Rates

NEW VEHICLES
ACSFCU has the loan to get you into the vehicle that you want. We have competitive rates and terms to meet your needs. Based on the value of the vehicle, we offer 100 percent financing with $0 down.

 Model Year

APR 

Maximum Term 

 New 2009 - 2010

*3.75% - 13.25%

60 Months 

 New 2009 - 2010

*5.75% - 11.25%

72 Months

USED VEHICLES

 Model Year

APR 

Maximum Term 

 Used 2005 - 2009

 *4.49% - 13.99%

54 Months 

 Used 2004 or Older

 *4.49% - 13.99%

36 Months

   *New and Used Auto Loan Promational Rates

PRE-APPROVED LOANS
Avoid the financing hassles of purchasing a vehicle by getting a pre-approved loan with ACSFCU. Knowing what you can afford before you begin shopping can take the mystery out of financing your vehicle.

 Do you need help determining your loan payment? Get help from our 
Financial Calculators


Browse low, average, and high retail values of auto, boats, motorcycles and more.

NEW/USED RECREATIONAL VEHICLES AND MOTOR HOMES
ACSFCU has competitive new and used RV rates and terms. Before you consider financing anywhere else, think about financing with ACSFCU.

 Model Year

APR 

Maximum Term 

New 2009 - 2010

     9.50%     

120 Months 

New 2009 - 2010

 8.50%

60 Months

Used 2008 and Older

9.75% 

120 Months 

 Used 2008 and Older

9.00% 

60 Months 



HOME EQUITY LOANS
A home equity loan is an ideal way to use the equity you have built up in your home for a variety of purposes. You can use the funds for college expenses, bill consolidation, home improvements and much more. ACSFCU's fixed rates give you the benefit of a low interest rate over the life of the loan.

Loan to Value of Home

APR

Maximum Term

Up to 80% Loan to Value

*4.75%

60 Months

Up to 80% Loan to Value

*5.25%

61 - 120 Months

Up to 80% Loan to Value

*5.75% 

121 - 180 Months 

Loan to Value of Home

APR

Maximum Term

81% - 95% Loan to Value

6.50%

60 Months

81% - 95% Loan to Value

7.00%

61 - 120 Months

81% - 95% Loan to Value

7.30% 

121 - 180 Months 

 

 


*Home Equity Loan Promotional Rates Valid Through October 1 , 2010.                                                

OVERDRAFT PROTECTION
Overdraft protection is an added measure of protection to your personal checking account. It offers convenience and peace of mind, knowing funds are available in the event of a calculating error.

Category

 Amount

APR

Maximum Term

Overdraft

Up to $1,500

17.0%

24 Months

 




PERSONAL LOANS
A personal signature loan is just that - personal. You may use the money for anything you wish. It's quick and easy to apply, with no collateral required.

Category

 Amount

APR

Maximum Term

Share Secured

$500 - $10,000

4.5%

60 Months

 Personal/Unsecured

Up to $1,500

8.5% - 17.99%

12 Months

 Personal/Unsecured

$1,501 - $3,000

9.1% - 17.99% 

36 Months

 Personal/Unsecured

$3,001 - $6,000

9.1% - 17.99% 

42 Months

 Personal/Unsecured

$6,001 - $10,000 

9.5% - 17.99% 

48 Months

 

 

 

 

SHARE SECURED LOANS
Pledge the funds in your share account as collateral in exchange for
a lower loan rate. You can borrow up to 100 percent of your share balance. You must maintain a share balance equivalent to the loan balance until the loan is paid off.
PERSONAL SECURED LOAN WITH COLLATERAL
Get a lower personal loan rate by providing approved collateral (such as a paid-off vehicle) to secure your loan. Up to 80 percent of the book value can be borrowed.

Category

 Amount

APR

Maximum Term

Share Secured

$500 - $10,000

4.5%

60 Months

Category

 Amount

APR

Maximum Term

Personal Secured

Up to 80% of Book Value

9.0%

48 Months


 

 

SHARE CERTIFICATES
With higher interest than our regular share account and a term of your choice, share certificates are a great way to save.

Term

Minimum Deposit 
to Open

Rate 

APY

6 Months

$500

1.00%

1.01%

12 Months

$500

1.25%

1.26%

18 Months

$500

1.75%

1.76%

24 Months

$500

1.80%

1.81%

 

 

 

 


Allegany County Schools FCU