|
| PROMOTIONAL RATES | DEPOSIT ACCOUNT RATES | LOAN RATES |
| Promotional Specials |
| ACCOUNT TYPE |
MINIMUM BALANCE |
ANNUAL PERCENTAGE RATE |
ANNUAL PERCENTAGE YIELD |
|
Accumulator - 12 Month
|
$5.00 per week
|
2.85%
|
2.88%
|
|
|
|
Deposit Account Rates
|
|
Share Rates Anticipated as of June 9, 2008
Certificate of Deposit Rates week of June 9, 2008
|
| Share Accounts |
| ACCOUNT TYPE |
MINIMUM BALANCE |
ANNUAL PERCENTAGE RATE |
ANNUAL PERCENTAGE YIELD |
| Regular Shares and Reg X |
100.00 |
0.25% |
0.25% |
| Youth |
$25 |
0.25% |
0.25% |
| Education |
$100 |
0.25% |
0.25% |
| Christmas and Vacation Clubs |
$100 |
0.25% |
0.25% |
| Draft |
$500 |
0.00% |
0.00% |
| |
| Money Market Accounts |
| ACCOUNT TYPE |
MINIMUM BALANCE |
ANNUAL PERCENTAGE RATE |
ANNUAL PERCENTAGE YIELD |
| Money Market Checking - Tier I |
$1,000 to $4,999.99 |
1.50%
|
1.51%
|
| Money Market Checking - Tier II |
$5,000 to $24,999.99 |
1.75%
|
1.76%
|
| Money Market Checking - Tier III |
$25,000 or more
|
2.00% |
2.01% |
| |
| IRA Accounts |
| ACCOUNT TYPE |
MINIMUM BALANCE |
ANNUAL PERCENTAGE RATE |
ANNUAL PERCENTAGE YIELD |
| IRA Shares |
$100 |
2.72% |
2.75% |
| IRA Conduit and Education |
$100 |
2.72% |
2.75% |
| IRA Roth-Contribution and Conduit |
$100 |
2.72% |
2.75% |
| IRA SEP Accounts |
$100 |
2.72% |
2.75% |
| |
| IRA Certificates |
| ACCOUNT TYPE |
MINIMUM BALANCE |
ANNUAL PERCENTAGE RATE |
ANNUAL PERCENTAGE YIELD |
| 6 Month Regular |
$250 |
1.87% |
1.88% |
| 12 Month Regular |
$250 |
1.87% |
1.88% |
| 6 Month Jumbo |
$250 |
1.94% |
1.95% |
| 12 Month Jumbo |
$250 |
2.92% |
2.95% |
| |
| Share Certificates: Regular |
| ACCOUNT TYPE |
MINIMUM BALANCE |
ANNUAL PERCENTAGE RATE |
ANNUAL PERCENTAGE YIELD |
| 3 Month |
$500 |
1.87% |
1.88% |
| 6 Month |
$500 |
1.87% |
1.88% |
| 9 Month |
$500 |
2.75% |
2.78% |
| 12 Month |
$500 |
2.85% |
2.88% |
| 18 Month |
$500 |
N/A |
N/A |
| 24 Month |
$500 |
3.00% |
3.03% |
| 30 Month |
$500 |
N/A |
N/A |
| 36 Month |
$500 |
3.10% |
3.14% |
| 48 Month |
$500 |
3.40% |
3.44% |
| 60 Month |
$500 |
3.50% |
3.55% |
| |
| Share Certificates: Jumbo |
| ACCOUNT TYPE |
MINIMUM BALANCE |
ANNUAL PERCENTAGE RATE |
ANNUAL PERCENTAGE YIELD |
| 3 Month |
$10,000 |
1.94% |
1.95% |
| 6 Month |
$10,000 |
1.94% |
1.95% |
| 9 Month |
$10,000 |
2.82% |
2.85% |
| 12 Month |
$10,000 |
2.92% |
2.95% |
| 18 Month |
$10,000 |
N/A |
N/A |
| 24 Month |
$10,000 |
3.07% |
3.11% |
| 30 Month |
$10,000 |
N/A |
N/A |
| 36 Month |
$10,000 |
3.17% |
3.21% |
| 48 Month |
$10,000 |
3.47% |
3.52% |
| 60 Month |
$10,000 |
3.57% |
3.62% |
PROMOTIONAL RATES | DEPOSIT ACCOUNT RATES | LOAN RATES | TOP
|
Loan Rates
|
|
Rates are subject to change.
Membership eligibility is required.
|
| Secured Loans (Autos, Boats, Motorcycles, etc.) |
| TERM |
LOWEST
ANNUAL PERCENTAGE RATE |
HIGHEST
ANNUAL PERCENTAGE RATE |
| 24 Months |
5.12% |
16.12% |
| 36 Months |
5.37% |
16.12% |
| 48 Months |
5.62% |
16.12% |
| 60 Months |
5.87% |
14.82% |
| 66 Months |
5.97% |
9.97% |
| 72 Months |
6.12% |
11.37% |
| 84 Months |
6.37% |
9.87% |
| Late Fee: |
You will be charged a late fee of $25.00 if you are over 10 days past due. |
| Collection Costs: |
You promise to pay all costs of collecting the amount you owe under promissory note to the extent permitted by State law. |
| As a condition of receiving collateral loans, you must obtain full insurance coverage on any secured loan. |
|
| |
| Share Secured Loans |
| TERM |
LOWEST
ANNUAL PERCENTAGE RATE |
|
| Unlimited repayment period |
5.12% |
|
| |
| Unsecured Loans |
| TERM |
LOWEST
ANNUAL PERCENTAGE RATE |
HIGHEST
ANNUAL PERCENTAGE RATE |
| 12 to 60 Months |
8.62% |
12.62% |
| |
|
|
| |
|
|
| |
| Home Equity Loans Up to 10 Years |
| PERCENT OF EQUITY |
TYPE |
LOWEST
ANNUAL PERCENTAGE RATE |
HIGHEST
ANNUAL PERCENTAGE RATE |
| Up to 80% |
Variable |
4.00% |
5.75% |
| Up to 80% |
Fixed |
4.00% |
5.50% |
| Up to 90% |
Variable |
5.00% |
6.50% |
| Up to 90% |
Fixed |
5.00% |
6.50% |
| Up to 100% |
Variable |
N/A |
N/A |
| Up to 100% |
Fixed |
N/A |
N/A |
| |
| First Mortgage Loans |
| Due to fluctuating rates, please call ACFCU for a First Mortgage Rate quote. |
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PROMOTIONAL RATES | DEPOSIT ACCOUNT RATES | LOAN RATES | TOP
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