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Alpena Alcona Area Credit Union Online Banking
Home > Rates

Rates

Loan Rates

Credit Card Rates

Deposit Rates

Loan Rates
Effective Date: Thursday, April 27th, 2017
Rates may vary depending on each individual's credit history and underwriting factors.
Loan TypeAPR*DescriptionApply Now
Mortgages
Fixed Rate Mortgage 3.250% 10, 15, 20 and 30 year terms available.
Rate based on loan value, term and credit history.
80% financing available.

Apply Online

Balloon Mortgage 3.875% 5 and 7 year balloons with 30 year amortization.
Rate based on term and credit history.
80% financing available.

Apply Online

First Time Buyer 5.000% Rural Development Loan Program.
Rate based on term and credit history.
102% financing available.

Apply Online

Home Equity 2.990% Fixed Rate products available.
Rate based on product and credit history.
80% financing available.

Apply Online

Vacant Land 5.250% 10,15 fixed, 5 and 7 year balloon

Apply Online

Auto Loans
New Auto 2.950% Terms up to 84 months.
Rate based on term and credit history.
105% financing available.
Apply Online
Used Auto 3.950% Terms up to 72 months.
Rate based on age of auto, term and credit history.
105% financing available.
Apply Online
Recreational Loans
New Recreational Vehicles 2.450% Terms up to 144 months.
Rate based on credit history.
105% financing available.
Apply Online
Used Recreational Vehicles 3.750% Terms up to 144 months.
Rate based on credit history.
105% financing available.
Apply Online
New ATV's & Watercraft 2.450% Terms up to 72 months.
Rate based on term and credit history.
105% financing available.
Apply Online
Used ATV's & Watercraft 3.750% Terms up to 60 months.
Rate based on term and credit history.
105% financing available.
Apply Online
Personal Loans
Unsecured 5.950% My $ Loan for any purpose up to 48 months.
Rate based on credit history.
Apply Online
Overdraft Protection 15.000% Line of Credit.
Overdraft protection for share draft accounts.
Apply Online
Better Choice 25.000% Pay day loan alternative.
$24.95 application fee applies.
Apply Online
*APR = Annual Percentage Rate.

Credit Card Rates
Effective Date: Thursday, April 27th, 2017
Card TypeAPR*DescriptionApply Now

Visa Platinum*

 

10.96% In-house administered credit card program.

Apply Online

Visa Classic* 12.96% In-house administered credit card program.

Apply Online

Student Visa* 12.96% In-house administered credit card program.

Apply Online

*A 1.00% foreign transaction fee will apply on all foreign transactions.

Savings Rates
Effective Date: June 15, 2015
DescriptionMinimum BalanceDividend RateAPY*
Regular Share $5.00 0.150% 0.150%
Preferred Share $0.00 0.200% 0.200%
Christmas Club $0.00 0.150% 0.150%
Vacation Club $0.00 0.150% 0.150%
Share Draft $0.00 0.000% 0.000%
Traditional IRA $0.00 1.000% 1.000%
Roth IRA $0.00 1.000% 1.000%
Educational IRA $0.00 1.000% 1.000%
Health Savings Account $0.00 1.250% 1.260%
*APY = Annual Percentage Yield. Any fees incurred may reduce earning on the account.

Money Market
Effective Date: 03/30/2017
DescriptionMinimum BalanceInterest RateAPY*
Tier 1 $2,000.00 0.250% 0.250%
Tier 2 $99,999.99 0.250% 0.250%
*APY=Annual Percentage Yield. Any fees incurred may reduce earnings on the account.

Certificate Rates
Effective Date: April 24, 2017
DescriptionTermInterest RateAPY*Minimum Purchase
90 Day 90 Days 0.150% 0.150% $500.00
180 Day 180 Days 0.200% 0.200% $500.00
12 Month 12 Months 0.300% 0.300% $500.00
18 Month 18 Months 0.450% 0.450% $500.00
2 Year 24 Months 0.550% 0.550% $500.00
3 Year 36 Months 0.900% 0.900% $500.00
4 Year 48 Months 1.200% 1.210% $500.00
5 Year 60 Months 1.350% 1.360% $500.00
90 Day Youth 90 Days 0.150% 0.150% $100.00
180 Day Youth 180 Days 0.200% 0.200% $100.00
12 Month Youth 12 Months 0.300% 0.300% $100.00
18 Month Youth 18 Months 0.450% 0.450% $100.00
2 Year Youth 24 Months 0.550% 0.550% $100.00
3 Year Youth 36 Months 0.900% 0.900% $100.00
4 Year Youth 48 Months 1.200% 1.210% $100.00
5 Year Youth 60 Months 1.350% 1.360% $100.00
Save to Win 12 Months 0.500% 0.500% $25.00
*APY = Annual Percentage Yield. Any fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity.

Federally insured by NCUA.