Loan Rates

 

Rates current as of March 22, 2019

Transportation Loan Rates
TermNew & Used
*A.P.R. as low
as1
Est. Pmt. Per $1kMinimum ValueOther Details
New & Used Automobiles
0-36 Months2.99%$29.09Vehicles older than 7 years prior to current year receive the "Classic" automobile rate
37-48 Months3.24%$22.25
49-60 Months3.24%$18.08
61-72 Months3.49%$15.42$15,000
73-84 Months3.99%$13.67$40,000
Classic Automobiles
0-48 Months****"Classic" Automobiles are those greater than 7 model years old. Rates are calculated on the table above plus a 2.00% premium.
New & Used Boats, RVs, and Campers
0-36 Months5.49%$30.20Boat loans are not available in all states. Contact a member representative for details.
37-48 Months5.49%$23.26
49-60 Months5.49%$19.10$5,000
61-72 Months6.74%$16.93$20,000
73-120 Months6.74%$11.49$20,000
121-144 Months6.99%$10.29$40,000
New & Used Motorcycles / ATVs
0-36 Months5.49%$30.20
37-48 Months5.49%$23.26
49-60 Months5.49%$19.10$5,000
61-72 Months6.74%$16.93$20,000
*A.P.R. = Annual Percentage Rate
1As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment discount, which is also reflected in the advertised rate.
Personal Loan Rates
Term *A.P.R. as low as Est. Pmt. Per $1kOther Details
12 Month9.49%$87.71Maximum amount of $20,000 or 20% of base salary
24 Month9.99%$46.16
36 Month10.49%$32.51
48 Month10.99%$25.85
*A.P.R. = Annual Percentage Rate
Mortgage Program Rates
TypeMaximum Term*A.P.R. as low asMinimum Monthly PaymentMinimum Loan AmountAdditional AdvancesAdditional Information
Choice Home Equity1,215 Years4.50%$76.51$10,0004$500 minimumNo prepayment penalty
No closing costs
Offered in most states
Easy-Refinance1,315 YearsCall for current rates$25k to $484,350Not AvailableCash-out option available
$1,000 fixed closing costs
First MortgageACU offers low-rate first mortgages in most states.
Rates change daily. Call the Credit Union at 800-245-8112 to check current rates.
*A.P.R. = Annual Percentage Rate
1 Rate offered will be based on combination of factors including credit score and loan-to-value ratio.
2 Variable rate is subject to change semi-annually.
3 Easy refinance not eligible for 0.50% discount for electronic payment. However, rate bonus of -0.50% will be applied to members with active ACU checking.
4 Maximum line-of-credit is the lesser of: 90% of the Market Value less 1st Mortgage OR $250,000.
Share Secured
TypeTerm*A.P.R. as low as1Est. Pmt. Per $1kOther Details
Share Equity36 Months6.24%$30.53Maximum loan amount is 150% above the amount of shares pledged.
48 Months6.49%$23.71
60 Months6.49%$19.56
Share Secured120 Months2.55%$9.34*A.P.R. will be the current rate of the share/money market account offered as security plus 2.00%
Certificate Secured120 Months** ** The *A.P.R. will be the dividend rate being paid on the Certificate offered as security (Index) plus 2.00%. Failure to renew will result in default under the Plan. When the Certificate is renewed, the *A.P.R. will change to reflect the new dividend rate. Any increase in the *A.P.R. will result in higher payments. The *A.P.R. and daily periodic rate will be disclosed on the voucher at the time of the advance.
*A.P.R. = Annual Percentage Rate
1 Electronic discount of 0.50% does not apply to share secured, certificate secured, or share equity loans.
VISA Credit Card
Card*A.P.R. as low asTerms/Conditions
Visa Platinum9.99%Variable rate; Minimum $500 line of credit; No annual fee, no balance transfer fee, no foreign transaction fee; Cash advance fee is 2% of the advance amount.
*A.P.R. = Annual Percentage Rate

Note: As Low As rate may include a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Est. Pmt. Per $1k indicates the estimated monthly payment per $1,000 financed at the lowest stated rate over the maximum term listed for that row. Not all applicants will qualify for the lowest rates. Rates current as of March 22, 2019.

Transportation Loan Rates
TermNew & Used
*A.P.R. as low as 1
Minimum Value
New & Used Automobiles
0-36 Months2.99%
37-48 Months3.24%
49-60 Months3.24%
61-72 Months3.49%$15,000
73-84 Months3.99%$40,000
Classic Automobiles
0-48 Months**
New & Used Boats, RVs, and Campers
0-36 Months5.49%
37-48 Months5.49%
49-60 Months5.49%$5,000
61-72 Months6.74%$20,000
73-120 Months6.74%$20,000
121-144 Months6.99%$40,000
New & Used Motorcycles / ATVs
0-36 Months5.49%
37-48 Months5.49%
49-60 Months5.49%$5,000
61-72 Months6.74%$20,000
A.P.R. = Annual Percentage Rate
Estimated Payment per $1,000 financed with Rate of 3.24% at 60 months = $18.08
Vehicles greater than 7 model years old receive the "classic" automobile rate.
1As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment discount, which is also reflected in the advertised rate.
Personal Loan Rates
Term *A.P.R. as low as Other Details
12 Month9.49%Maximum amount of $20,000 or 20% of base salary
24 Month9.99%
36 Month10.49%
48 Month10.99%
*A.P.R. = Annual Percentage Rate
Estimated payment per $1,000 financed at 9.49% for 12 months = $87.71
Mortgage Program Rates
TypeMaximum Term*A.P.R. as low as
Choice Home Equity1,215 Years4.50%
Easy-Refinance1,315 YearsCall for current rates
First MortgageACU offers low-rate first mortgages in most states.
Rates change daily. Call the Credit Union at 800-245-8112 to check current rates.
Est. Payment per $10,000 financed at 4.50% for 15 years = $76.51
Choice Home Equity Loam Amounts from $10K to 250K OR 90% of market value less 1st mortgage.
Additional Advances $500 minimum. No prepayment penalty, No closing costs, Offered in most states.
Easy-Refi Mortgage- Cash-out option available. $1,000 fixed closing costs
*A.P.R. = Annual Percentage Rate
1 Rate offered will be based on combination of factors including credit score and loan-to-value ratio.
2 Variable rate is subject to change semi-annually.
3Easy refinance not eligible for 0.50% discount for electronic payment. However, rate bonus of -0.50% will be applied to members with active ACU checking.
Share Secured
TypeTerm*A.P.R. as low as 4
Share Equity136 Months6.24%
48 Months6.49%
60 Months6.49%
Share Secured2120 Months2.55%
Certificate Secured3120 Months**
Estimated payment per $1,000 at 6.24% for 36 Months = $30.53
1Maximum loan amount is 150% above the amount of shares pledged.
2*A.P.R. = Annual Percentage Rate, and will be the current rate of the share/money market account offered as security plus 2.00%
3The *A.P.R. will be the dividend rate being paid on the Certificate offered as security (Index) plus 2.00%. Failure to renew will result in default under the Plan. When the Certificate is renewed, the *A.P.R. will change to reflect the new dividend rate. Any increase in the *A.P.R. will result in higher payments. The *A.P.R. and daily periodic rate will be disclosed on the voucher at the time of the advance.
4Electronic discount of 0.50% does not apply to share secured, certificate secured, or share equity loans.
VISA Credit Card
Card*A.P.R. as low asTerms/Conditions
Visa Platinum9.99%Variable rate; Minimum $500 line of credit; No annual fee, no balance transfer fee, no foreign transaction fee; Cash advance fee is 2% of the advance amount.
*A.P.R. = Annual Percentage Rate

Note: As Low As rate may include a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Est. Pmt. Per $1k indicates the estimated monthly payment per $1,000 financed at the lowest stated rate over the maximum term listed for that row. Not all applicants will qualify for the lowest rates. Rates current as of March 22, 2019.

* APR- Annual Percentage Rate

Address

1300 Central Ave.

Ashland, KY 41101

 

Call Us

1-800-245-8112

(606) 329-5489