Rates

0.30% APR discount and 90-Day No Pay available with Direct Deposit and Auto Pay from an Advantage Plus Cash Checking account.
0.15% APR discount with a Checking Account that includes at least one direct deposit and a scheduled automatic payment (does not include originated loan payment)

0.05% APR discount with GAP coverage
0.05% APR discount with Payment Protection
0.05% APR discount available with Mechanical Repair Coverage.
The 0.05% APR discount can be added together to give a total of 0.15% APR discount if all 3 (GAP, Payment Protection, and Mechanical Repair Coverage) are added to the loan.

These discounts do not apply for a Mortgage Loan, Home Equity Loan, Home Equity Line of Credit (HELOC), Member Business Loan or Share Secured Loan. Also, there is no additional 0.15% APR discount and 90-Day No Pay available on the auto loan special rates, as this discount has already been incorporated.

*APR = Annual Percentage Rate. Rates and terms are accurate as of September 1st, 2023, 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.

APR = Annual Percentage Rate. Rates and terms are accurate as of September 1st, 2023, 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.

APY = Annual Percentage Yield. Rates accurate as of September 1st, 2023, 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.

APY = Annual Percentage Yield. Rates accurate as of September 1st, 2023, 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.

APY = Annual Percentage Yield. Rates accurate as of September 1st, 2023, 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.

*Annual Percentage Rate based on September 1st, 2023, 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.