Rates


Vehicle Loans

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 Category

Year 

Maximum Term 

APR 

 New Auto

2007 - 2008 

60 Months
72 Months

5.99%
6.99%

 Used Auto

2006 - 2007 

54 Months

6.50%

 Used Auto

2003 - 2005

48 Months

6.50%

 Used Auto

2001 - 2002

36 Months

6.50%

 Used Auto

2000 and Older

30 Months

6.50%

New Travel Trailers and Motor Homes

2007 - 2008

60 Months
120 Months

8.50%
9.50%

Used Travel Trailers and Motor Homes

2006 and Older

60 Months
120 Months

9.00%
9.75%

 Personal Secured 
$1,500 - $10,000

Auto as Collateral
80% of Book Value 

48 Months 

9.00% 

 

Unsecured Loans

 Category

Maximum Term 

APR 

Share Secured
$500 - $10,000

60 Months

4.5%

Personal-Unsecured
Up to $1,500

12 Months

From
8.9%

Personal-Unsecured
$1,501 - $3,000

36 Months

From
9.5%

Personal-Unsecured
$3,001 - $6,000

42 Months

From
9.5%

Personal-Unsecured
$6,001 - $10,000

48 Months

From
9.9%

Overdraft Protection
Up to $1,500

24 Months

 17.0%



Home Equity Loans

Up to 80% Loan to Value

  Terms

Rate

Up to 60 Months

6.00%

61 - 120 Months

6.50%

121 - 180 Months

6.75%

81% to 95% Loan to Value

  Terms

Rate

Up to 60 Months

6.50%

61 - 120 Months

7.00%

121 - 180 Months

7.30%




Share Certificates

Maturity Date

Interest Rate 

APY 

6 Months

2.25%

2.28%

12 Months

2.50%

2.53%

18 Months

2.75%

2.78%

24 Months

 2.80%

2.84%

(All Share Certificates require a minimum balance of $500.00)


Allegany County Schools FCU
27 West Main Street
Fillmore , New York 14735
585.567.4103
Fax: 585.567.8993
tara@acsfcu.com