Rates



Today’s Rates

To ensure timely service, please call to schedule an appointment with a loan officer.

Loan

Closed-End LoansTermAPR* as Low asRequirements
Auto Loan Special (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)up to 60 Months1.75% & 90-Day No PayDirect Deposit with Auto Pay from Advantage Plus Cash Reward Checking
Auto Loan Special (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)up to 60 Months1.99% & 90-Day No PayAdvantage Plus Cash Reward Checking
Auto Loan Special (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)up to 84 Months2.25% & 90-Day No PayDirect Deposit with Auto Pay from Advantage Plus Cash Reward Checking
Auto Loan Special (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)up to 84 Months2.49% & 90-Day No PayAdvantage Plus Cash Reward Checking
Auto Loan Special (Used, 2014-2018, 125% Financing or Maximum $2,500.00 above Retail)up to 60 Months2.49% & 90-Day No PayDirect Deposit with Auto Pay from Advantage Plus Cash Reward Checking
Auto Loan Special (Used, 2014-2018, 125% Financing or Maximum $2,500.00 above Retail)up to 60 Months2.74% & 90-Day No PayAdvantage Plus Cash Reward Checking
Auto Loan Special (Used, 2014-2018 > $8,000.00, 125% Financing or Maximum $2,500.00 above Retail)up to 72 Months2.99% & 90-Day No PayDirect Deposit with Auto Pay from Advantage Plus Cash Reward Checking
Auto Loan Special (Used, 2014-2018 > $8,000.00, 125% Financing or Maximum $2,500.00 above Retail)up to 72 Months3.25% & 90-Day No PayAdvantage Plus Cash Reward Checking
Auto Loan Special (Used, 2014-2018 > $16,000.00, 125% of Clean Loan or Maximum $2,500.00 above Retail)up to 84 Months2.99% & 90-Day No PayDirect Deposit with Auto Pay from Advantage Plus Cash Reward Checking
Auto Loan Special (Used, 2014-2018 > $16,000.00, 125% of Clean Loan or Maximum $2,500.00 above Retail)up to 84 Months3.25% & 90-Day No PayAdvantage Plus Cash Reward Checking
Auto Loan (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)12-36 Months2.49%
Auto Loan (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)37-48 Months2.74%
Auto Loan (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)49-60 Months2.99%
Auto Loan (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)61-72 Months3.24%
Auto Loan (New, 2019 & Newer, 125% Financing or Maximum $2,500.00 above Retail)73-84 Months3.49%
Auto Loan (Used, 2014-2018, 125% Financing or Maximum $2,500.00 above Retail)36 Months2.99%
Auto Loan (Used, 2014-2018, 125% Financing or Maximum $2,500.00 above Retail)48 Months3.24%
Auto Loan (Used, 2014-2018, 125% Financing or Maximum $2,500.00 above Retail)60 Months3.49%
Auto Loan (Used, 2014-2018 > $8,000.00, 125% Financing or Maximum $2,500.00 above Retail)72 Months3.74%
Auto Loan (Used, 2014-2018 > $16,000.00, 125% of Clean Loan or Maximum $2,500.00 above Retail)84 Months3.99%
Auto Loan (Used, 2011-2013, 125% Financing or Maximum $2,500.00 above Clean Loan Value)60 Months4.24%
Auto Loan (Used, 2011-2013 > $8,000, 125% Financing or Maximum $2,500.00 above Clean Loan Value)72 Months4.49%
Auto Loan (Used, Older than 2011, 125% Financing or Maximum $2,500.00 above Clean Loan Value)60 Months5.24%
Boat, Trailer, Pop-Up, or Camper Loan (New)12-60 Months5.24%
Boat, Trailer, Pop-Up, or Camper Loan (New)72 Months5.74%
Trailer, Pop-Up, or Camper Loan (New > $10,000.00)84 Months5.99%
Boat, Trailer, Pop-Up, or Camper Loan (Used 2014-2020)12-60 Months6.24%
Boat, Trailer, Pop-Up, or Camper Loan (Used 2014-2020)72 Months6.74%
Boat, Trailer, Pop-Up, or Camper Loan (Older than 2014)60 Months6.99%
Money Maker Money Market Secured LoanUp to 60 Months3.00% above money market rate
Money Maker Money Market Secured Loan61-120 Months4.00% above money market rate
Motor Cycle Loan (New and Used)12-84 Months0.50% greater than New or Used Vehicle
Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (New)12-60 Months5.24%
Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (New)72 Months5.74%
Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (Used)12-60 Months6.24%
Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (Used)72 Months6.74%
Special Signature Loan (Maximum $5,000.00)12 Months3.24%
Special Signature Loan (Maximum $5,000.00)24 Months3.49%
Special Signature Loan (Maximum $5,000.00)36 Months3.99%
Signature Loan12 Months 7.49%
Signature Loan24 Months7.49%
Signature Loan36 Months7.49%
Signature Loan48 Months7.49%
Signature Loan60 Months7.49%
Signature Loan30, 60, 90 Day Notes8.99%
Motor Home Loan (New, 80% Financing)12-144 Months6.49%
Motor Home Loan (Used 2011-2020, 80% Financing)12-144 Months6.99%
Motor Home Loan (Older than 2011, 80% Financing)12-120 Months7.99%
Share Secured LoanUp to 60 Months3.00% above share rate
Share Secured Loan61-120 Months4..00% above share rate
Share Certificate Secured LoanUp to 60 MonthsIf loan ends before CT matures, 3.00% above CT rate
Share Certificate Secured LoanUp to 60 MonthsIf loan ends after CT matures, 4.00% above CT rate
UCC Secured Bobcat, Tractor, Etc. Loan (New, Signature)12-60 Months5.24%
UCC Secured Bobcat, Tractor, Etc. Loan (New, Signature)72 Months5.74%
UCC Secured Bobcat, Tractor, Etc. Loan (Used, Signature)12-60 Months6.24%
UCC Secured Bobcat, Tractor, Etc. Loan (Used, Signature)72 Months6.74%

*APR = Annual Percentage Rate. Rates and terms are accurate as of September 1, 2020 and subject to change without notice. Risk based lending rules apply. Per $1,000.00 borrowed, the approximate monthly payment is $17.33 at 1.55% APR for 60 months, assuming credit life and disability insurance is not elected. Prior to obtaining a loan, member must have an ACT 1st FCU savings account with at least $5.00 on deposit. Please call today for specific financing terms.

Auto Loan Specials are for purchases and for refinances within 30 days of purchase only.

Real Estate Loan

Real Estate LoansTermAPR* as Low as
First MortgageSelect the link to the leftSelect the link to the left
Home Equity - 1st Lien (Maximum 80% of Appraisal minus Liens)5 Years2.25%
Home Equity - 1st Lien (Maximum 80% of Appraisal minus Liens)10 Years2.75%
Home Equity - 1st Lien (Maximum 80% of Appraisal minus Liens)15 Years3.25%
Home Equity - 2nd or Junior Lien (Maximum 80% of Appraisal minus Liens)5 Years3.00%
Home Equity - 2nd or Junior Lien (Maximum 80% of Appraisal minus Liens)10 Years3.75%
Home Equity - 2nd or Junior Lien (Maximum 80% of Appraisal minus Liens)15 Years4.25%

APR = Annual Percentage Rate. Rates and terms are accurate as of September 1, 2020 and subject to change without notice. Home Equity Loans are approved for 80% of the appraised value of the primary residence, minus any current liens against the property. Risk based lending rules apply. Per $1,000.00 borrowed, the approximate monthly payment is $17.66 at 2.30% APR for 60 months. This payment amount does not include taxes and insurance premiums. Your actual payment obligation will be greater. For a home equity loan, this approximate monthly payment assumes debt protection is not elected. Prior to obtaining a loan, member must have an ACT 1st FCU savings account with at least $5.00 on deposit. Please call today for specific financing terms.

Please consult a tax adviser for information regarding the deductibility of interest and charges.

Share Savings

Share Savings AccountsDividendAPY*Term
Regular Shares $5.00 - $10,000.00 ($5.00 minimum deposit required)0.05%0.05%n/a
Regular Shares $10,000.00 - <$50,000.000.10%0.10%n/a
$50,000.00 and Greater0.15%0.15%n/a
Share Draft Account (Non-Dividend Bearing)0.00%0.00%n/a
Share Draft Account (Dividend Bearing) $2,500.00 and Greater0.10%0.10%n/a
Advantage Plus Cash Reward Checking (Qualified - up to $10,000.00)3.10%3.14%n/a
Advantage Plus Cash Reward Checking (Qualified - Greater than $10,000.00)0.10%0.10%n/a
Advantage Plus Cash Reward Checking (Not Qualified)0.10%0.10%n/a
Business Basic/Non-Profit
Share Draft
0.00%0.00%n/a
Business Executive Share Draft0.05%0.05%n/a
Christmas Club Account0.15%0.15%n/a
Summer Savings Account0.15%0.15%n/a
Vacation Club Account0.15%0.15%n/a
Money Market Account  - Tiered ($2,500.00 minimum deposit required)
$2,500.00 - $14,999.990.15%0.15%n/a
$15,000.00 - $29,999.990.20%0.20%n/a
$30,000.00 - $74,999.990.25%0.25%n/a
$75,000.00 - $149,999.990.35%0.35%n/a
$150,000.00 - $249,999.990.50%0.50%n/a
$250,000.00 - $499,999.990.65%0.65%n/a
$500,000.00 and Greater0.90%0.90%n/a

APY = Annual Percentage Yield. Rates accurate as of September 1, 2020 and subject to change without notice, even after member opens the account. A $5.00 deposit is required to open a savings account. A savings account must be opened prior to opening any other account. A $2500.00 minimum deposit is required to open a money market account. Money market and club accounts may be subject to an early withdrawal penalty. Dividends are calculated on the average daily balance, and compounded and posted monthly. Yield applies when dividend is reinvested into the account. Fees, if any, may reduce earnings. All accounts must be open at the end of the dividend calculation period in order to earn a dividend.

Individual Retirement Account

Individual Retirement AccountsDividendAPY*Term
Individual Retirement Account $.01-$99,999.991.501.51n/a
Individual Retirement Account $100,000.00-$199,999.992.002.02n/a
Individual Retirement Account $200,000.00 and Greater2.502.53n/a

APY = Annual Percentage Yield. Rates accurate as of September 1, 2020, and subject to change without notice before or after opening an IRA. Prior to opening an IRA, member must have an ACT 1st FCU savings account with at least $5.00 on deposit. IRA dividends are calculated on the average daily balance, and compounded and posted monthly. Fees, if any, may reduce earnings. Yield applies when dividend is reinvested into the account. All accounts must be open at the end of the dividend calculation period in order to earn a dividend. Early withdrawals are subject to IRS regulations.

Share Certificate

Share CertificatesDividendAPY*Term
Share Certificate  6-Month Term (Minimum Deposit $500.00)0.45%0.45%6 Months
Share Certificate 12-Month Term (Minimum Deposit $500.00)0.75%0.75%12 Months
Share Certificate 18-Month Term (Minimum Deposit $500.00)0.90%0.90%18 Months
Share Certificate 24-Month Term $500.00 - $49,999.990.95%0.95%24 Months
Share Certificate 24-Month Term $50,000.00 -
< $99,999.99
1.00%1.01%24 Months
Share Certificate 24-Month Term $100,000.00 and Greater1.05%1.06%24 Months
Share Certificate 36-Month Term $500.00 - $49,999.991.10%1.11%36 Months
Share Certificate 36-Month Term $50,000.00 - $99,999.991.15%1.16%36 Months
Share Certificate 36-Month Term $100,000.00 and Greater1.20%1.21%36 Months
Share Certificate 48-Month Term $500.00 - $49,999.991.25%1.26%48 Months
Share Certificate 48-Month Term $50,000.00 - $99,999.991.30%1.31%48 Months
Share Certificate 48-Month Term $100,000.00 and Greater1.35%1.36%48 Months
Share Certificate 60-Month Term $500.00 - $49,999.991.40%1.41%60 Months
Share Certificate 60-Month Term $50,000.00 - $99,999.991.45%1.46%60 Months
Share Certificate 60-Month Term $100,000.00 and Greater1.50%1.51%60 Months

APY = Annual Percentage Yield. Rates accurate as of September 1, 2020, and subject to change without notice. APY is fixed for the term of the certificate. Minimum balance of $500.00 required to open a share certificate and earn the advertised APY. Prior to opening a share certificate, member must have an ACT 1st FCU savings account with at least $5.00 on deposit. Share certificate dividends are calculated on the average daily balance, and compounded and posted monthly. Yield applies when dividend is reinvested into the account. Fees, if any, may reduce earnings. All accounts must be open at the end of the dividend calculation period in order to earn a dividend. A penalty of 90 days worth of dividends may be imposed for early withdrawal of 6, 10 or 12 month certificates. A penalty of 180 days worth of dividends may be imposed for early withdrawal of 15, 18, 24, 36, 48 or 60 month certificates.

Home Equity Line of Credit

Open-End LoanAPR* as Low as
Home Equity Line of Credit (HELOC), (Maximum Credit Line 80% of appraised value)3.00%

*Annual Percentage Rate based on March 16, 2020 prime rate minus 0.25%. This is a variable rate and is subject to change monthly with a cap set at .50% per change. The maximum rate that may be charged is 5% above the initial rate. Line of credit is equal to 80% of appraised home value less amount of any existing liens. Payments will be calculated on a 120 month amortization. The minimum payment amount is $100.00. Payment is subject to change annually in December and will only adjust upward. A $75.00 application fee and $50.00 annual fee will apply. Prior to obtaining a Home Equity Line of Credit, member must have an ACT 1st FCU savings account with at least $5.00 on deposit. Further restrictions and requirements may apply.

Please consult a tax adviser for information regarding the deductibility of interest and charges.

 

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