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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: Tuesday, August 14th, 2018
Rates may vary depending on each individual's credit history and underwriting factors.
Loan TypeAPR*DescriptionApply Now
Mortgages
Fixed Rate Mortgage 4.000% 10, 15, 20, and 30 year terms available.
Rate based on loan value, term and credit history.
80% financing available.

Apply Online

Balloon Mortgage 4.000% 5.5, 7, and 10 year balloons with 30 year amortization.
Rate based on term and credit history.
80% financing available.

Apply Online

First Time Buyer 5.500% Rural Development Loan Program.
Rate based on term and credit history.
102% financing available.

Apply Online

Home Equity 3.990% Fixed Rate products available.
Rate based on product and credit history.
80% financing available.

Apply Online

Vacant Land 6.000% 10,15, and 20 year fixed rate terms available. 5.5, 7, and 10 year balloon terms avaialble

Apply Online

Auto Loans
New Auto 2.950% Terms up to 72 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 2.950% Terms up to 60 months.
Rate based on credit history.
105% financing available.
Apply Online
Used Recreational Vehicles 3.950% Terms up to 84 months.
Rate based on credit history.
105% financing available.
Apply Online
New ATV's & Watercraft 2.950% Terms up to 72 months.
Rate based on term and credit history.
105% financing available.
Apply Online
Used ATV's & Watercraft 3.950% Terms up to 60 months.
Rate based on term and credit history.
105% financing available.
Apply Online
Personal Loans
Unsecured 6.950% 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: Tuesday, August 14th, 2018
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: july 1, 2018
DescriptionMinimum BalanceInterest RateAPY*
Tier 1 $2,000.00 0.500% 0.500%
Tier 2 $100,000.00 0.550% 0.550%
*APY=Annual Percentage Yield. Any fees incurred may reduce earnings on the account.

Certificate Rates
Effective Date: 08/01/2018
DescriptionTermInterest RateAPY*Minimum Purchase
90 Day 90 Days 0.250% 0.250% $500.00
180 Day 180 Days 0.500% 0.500% $500.00
12 Month 12 Months 0.750% 0.750% $500.00
18 Month 18 Months 1.000% 1.000% $500.00
2 Year 24 Months 1.250% 1.260% $500.00
3 Year 36 Months 1.500% 1.510% $500.00
4 Year 48 Months 2.000% 2.020% $500.00
5 Year 60 Months 2.750% 2.780% $500.00
90 Day Youth 90 Days 0.250% 0.250% $100.00
180 Day Youth 180 Days 0.500% 0.500% $100.00
12 Month Youth 12 Months 0.750% 0.750% $100.00
18 Month Youth 18 Months 1.000% 1.000% $100.00
2 Year Youth 24 Months 1.250% 1.260% $100.00
3 Year Youth 36 Months 1.500% 1.510% $100.00
4 Year Youth 48 Months 2.000% 2.020% $100.00
5 Year Youth 60 Months 2.750% 2.780% $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.