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 2011 - 2012	Starting at 2.50%	60 Months
New 2011 - 2012	Starting at 3.50%	72 Months

USED VEHICLES

Model Year	APR	Maximum Term
Used 2007 - 2011	Starting at 3.00%	54 Months
Used 2006 or Older	Starting at 3.00%	36 Months

   





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 rates for campers, ATVs, motorcycles, snowmobiles and dirt bikes. Before you consider financing anywhere else, think about financing with ACSFCU.

Model Year	APR	Maximum Term
New and Used	Starting at 5.50%	48 Months
New and Used	Starting at 6.00%	72 Months
New and Used	Starting at 6.50%	120 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 (LTV)  of Home	APR	Maximum Term
81% - 90% LTV	5.25%	60 Months
81% - 90% LTV	5.75%	61 - 120 Months
81% - 90% LTV	6.25%	121 - 180 Months

Loan to Value (LTV) of Home	APR	Maximum Term
Up to 80% LTV	3.00%	60 Months
Up to 80% LTV	5.00%	61 - 120 Months
Up to 80% LTV	5.75%	121 - 180 Months

 

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	4.50%	60 Months
Personal/Unsecured	Up to $1,500	Starting at 7.00%	12 Months
Personal/Unsecured	$1,501 - $3,000	Starting at 8.00%	36 Months
Personal/Unsecured	$3,001 - $6,000	Starting at 8.50%	42 Months
Personal/Unsecured	$6,001 - $10,000	Starting at 9.00%	48 Months
Personal/Unsecured	$10,001 - $15,000*	Starting at 9.25%	72 Months

*A minimum credit score is required for a personal loan over $10,001. Please contact ACSFCU for details.

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	Starting 4.25%	60 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	Not Currently Available	Not Currently Available
12 Months	$500	0.40%	0.40%
18 Months	$500	0.50%	0.50%
24 Months	$500	0.70%	0.70%

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