Rates & Resources

• Savings & Checking Rates
• Certificate of Deposit Rates
• Loan Rates
• Auto Loan Rates 
• Personal Loan Rates
• Home Equity Loan Rate

            

Savings & Checking
Effective Date: Tuesday, February 7th, 2012
	APR	APY	Minimum to Earn Interest
Savings	0.25%	0.25%	200.00
Power Checking	0.30%	0.30%	$2,000 - $9,999
	0.35%	0.35%	$10,000 - $24,999
	0.45%	0.45%	$25,000 - $49,999
	0.65%	0.65%	OVER $50,000
Money Market	0.30%	0.30%	$2000 - $10,000
	0.35%	0.35%	$10,000.01 - $25,000
	0.50%	0.50%	$25,000.01 - $50,000
	0.75%	0.75%	$50,000.01 - $99,999.99
	0.75%	0.75%	SUPER MONEY MARKET - BALANCE OVER 100k
Christmas Club	1.00%	1.00%	5.00
IRA	1.00%	1.00%	$500.00
Health Savings Account	1.49%	1.50%	$1.01 - $1000.00
	2.96%	3.00%	$1000.01 - $5000.00
	3.21%	3.26%	$5000.01 - $25,000.00
	3.45%	3.51%	$25,000.01 and over

Certificates of Deposit
Effective Date: Tuesday, February 7th, 2012
Term	APR	APY	Minimum Balance
6 Months	0.40%	0.40%	$500.00
12 Months	0.61%	0.61%	$500.00
18 Months	0.95%	0.95%	$500.00
24 Months	1.00%	1.00%	$500.00
36 Months	1.05%	1.06%	$500.00
48 Months	1.20%	1.21%	$500.00
60 Months	1.85%	1.86%	$500.00
Save to Win - 12 Month	1.00%	1.01%	$25.00
To Open a CD - click here!

Auto Loan Rates
Effective Date: Tuesday, February 7th, 2012
All loan rates shown below are "As Low As." Individual rates are based on credit performance.
	APR	Term
New Autos	3.49%	36 Months
	3.49%	48 Months
	3.49%	60 Months
	3.99%	72 Months
Used Autos
2009-2011	3.99%	Up to 60 Months
2007-2008	3.99%	Up to 48 Months
2004-2006	3.99%	Up to 48 Months
2001-2003	5.99%	Up to 48 Months
Older Models	7.99%	Up to 48 Months
Classic Cars	6.99%	Up to 60 Months
Includes: autos, vans, and trucks. Will finance up to 95% of the retail value according to the NADA.

Loan Rates
Effective Date: Tuesday, February 7th, 2012
	APR	Term
Motorcycle Loan - New	4.90%	60 Months
Motorcycle Loan - Used	5.90%	60 Months
Boat Loan - New	4.90%	180 Months
Boat Loan - Used	5.90%	180 Months
Recreational Vehicles - New & Used	5.90%	180 Months
Travel Trailers - New	7.50%	Based on Loan Amount
Travel Trailers - Used	7.75%	Based on Loan Amount
Motor Homes - New	7.50%	Up to 120 Months
Includes first three model years. Will finance 100% of the selling price.
Motor Homes - Used	7.75%	Up to 84 Months
Four thru nine model years old. Will finance 95% of the retail value according to the NADA.
Mobile Homes	10.90%	Loans secured 100% by regular shares will carry a 10.9% APR.

Personal Loans
Effective Date: Tuesday, February 7th, 2012
	APR	Term
Share Secured	6.90%	Loans secured 100% by regular shares will carry a 6.9% APR rate with a maximum repayment of 60 months.
Signature Loans	11.90%	Loans secured 100% by regular shares will carry a 6.9% APR rate with a maximum repayment of 60 months.

Home Equity Loan Rates
Effective Date: Tuesday, February 7th, 2012
Term	Rate	Payoff Period
15 Year with 5 Year Balloon	5.75%	180 Months
15 Year with 7 Year Balloon	5.75%	180 Months
10 Year Fixed	5.99%	120 Months
15 Year Fixed	5.99%	180 Months
20 year Fixed	6.25%	240 Months
HELOC	5.75%	120-180 Months
*Based on 80% of home value.

Account fees may reduce earnings on savings accounts.
When a titled vehicle is used as security on a loan, full coverage insurance with a loss payable clause to AAC Credit Union is to be supplied by the member's insurance company. This is for both the member's and the Credit Union's protection.