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RatesNEW 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.
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Model Year
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APR
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Maximum Term
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New 2011 - 2012
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2.75% - 14.50%
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60 Months
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New 2011 - 2012
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4.99% - 15.50%
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72 Months
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USED VEHICLES
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Model Year
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APR
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Maximum Term
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Used 2007 - 2011
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3.49% - 16.50%
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54 Months
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Used 2006 or Older
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3.49% - 15.50%
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36 Months
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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.
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Do you need help determining your loan payment? Get help from our
Financial Calculators.
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Browse low, average, and high retail values of auto, boats, motorcycles and more.
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 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.
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Model Year
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APR
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Maximum Term
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New 2011 - 2012
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9.50%
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120 Months
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New 2011 - 2012
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8.50%
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60 Months
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Used 2011 and Older
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9.75%
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120 Months
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Used 2011 and Older
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9.00%
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60 Months
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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.
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Loan to Value of Home
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APR
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Maximum Term
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81% - 95% Loan to Value
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6.50%
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60 Months
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81% - 95% Loan to Value
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7.00%
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61 - 120 Months
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81% - 95% Loan to Value
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7.30%
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121 - 180 Months
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Loan to Value of Home
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APR
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Maximum Term
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Up to 80% Loan to Value
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4.75%
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60 Months
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Up to 80% Loan to Value
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5.25%
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61 - 120 Months
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Up to 80% Loan to Value
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5.75%
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121 - 180 Months
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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.
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Category
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Amount
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APR
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Maximum Term
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Overdraft
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Up to $1,500
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17.0%
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24 Months
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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.
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Category
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Amount
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APR
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Maximum Term
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Share Secured
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$500 - $10,000
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4.50%
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60 Months
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Personal/Unsecured
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Up to $1,500
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8.50% - 17.99%
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12 Months
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Personal/Unsecured
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$1,501 - $3,000
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9.10% - 17.99%
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36 Months
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Personal/Unsecured
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$3,001 - $6,000
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9.10% - 17.99%
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42 Months
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Personal/Unsecured
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$6,001 - $10,000
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9.50% - 17.99%
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48 Months
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Personal/Unsecured
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$10,001 - $15,000*
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9.50% - 9.90%
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72 Months
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*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. |
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Category
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Amount
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APR
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Maximum Term
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Share Secured
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$500 - $10,000
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4.5%
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60 Months
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Category
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Amount
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APR
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Maximum Term
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Personal Secured
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Up to 80% of Book Value
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9.0%
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48 Months
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SHARE CERTIFICATES
 With higher interest than our regular share account and a term of your choice, share certificates are a great way to save.
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Term
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Minimum Deposit
to Open
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Rate
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APY
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12 Months
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$500
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0.40%
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0.40%
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18 Months
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$500
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0.50%
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0.50%
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24 Months
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$500
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0.70%
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0.70%
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Allegany County Schools FCU
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