711 4th Ave NE Austin MN 55912
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Austin City Employees
Credit Union

Loan Rates Savings Rates Certificate Rates

Effective as of: April 1, 2017
Current Loan Rates
SECURED AUTOMOBILES and TRUCKS - Maximum Loan $65,000
2014 -- 2017 - Financed at 100% of Retail Value
2010 - 2013 -- Financed at 90% of Retail Value (Maximum Term is 5 years)
TermInterest Rate as low as^Loan Special^
2 yrs/24 mos/104 wks3.70%*1.99%*
3 yrs/36 mos/156 wks3.70%*1.99%*
4 yrs/48 mos/208 wks3.95%*1.99%*
5 yrs/60 mos/260 wks4.45%*2.49%*
6 yrs/72 mos/312 wks4.95%*3.99%*
7 yrs/84 mos/364 wks ($50,000 to $65,000)5.95%*
2009 - Older-- Financed at 80% of Retail Value - Maximum Loan $50,000
TermInterest Rate as low as^
3 yrs/36 mos/156 wks5.00%*
4 yrs/48 mos/208 wks5.00%*
 
SECURED MOTORCYCLES, SNOWMOBILES, JET SKIS, and ATVS - Maximum Loan $65,000
2014 - 2017 -- Financed at 100% of Retail Value
2010 - 2013 -- Financed at 90% of Retail Value
TermInterest Rate as low as^Loan Special^
2 yrs/24 mos/104 wks4.20%*1.99%*
3 yrs/36 mos/156 wks4.20%*2.49%*
4 yrs/48 mos/208 wks4.45%*2.49%*
5 yrs/60 mos/260 wks4.95%*3.49%*
6 yrs/72 mos/312 wks5.45%*3.99%*
7 yrs/84 mos/364 wks ($50,000 - $65,000)6.45%*
2009 - Older -- Financed at 80% of Retail Value – Maximum Loan $50,000
TermInterest Rate as low as^
3 yrs/36 mos/156 wks5.50%*
4 yrs/48 mos/208 wks5.50%*
* Good on new loans to the Credit Union (not refinances or current ACECU loans)
** Salvage Title vehicles will be financed at 75% of Retail Value
^ Annual Percentage Rate - to qualify for the lowest quoted rate in each term, member must meet minimum credit score criteria
Rates are subject to change without notice
 
SECURED BOATS and RV'S - Maximum Loan $75,000
2014 - 2017 -- Financed at 100% of Retail Value
2010 - 2013 -- Financed at 90% of Retail Value
TermInterest Rate as low as ^Loan Special ^
2 yrs/24 mos/104 wks4.20%*1.99%*
3 yrs/36 mos/156 wks4.20%*2.49%*
4 yrs/48 mos/208 wks4.45%*2.49%*
5 yrs/60 mos/260 wks4.95%*3.49%*
6 yrs/72 mos/312 wks5.45%*3.99%*
7 yrs/84 mos/364 wks ($10,000 to $75,000)6.45%*
10 yrs/120 mos/520 wks ($10,000 to $75,000)6.95%*
2009 - Older -- Financed at 80% of Retail Value – Maximum Loan $50,000
TermInterest Rate as low as^
3 yrs/36 mos/156 wks5.50%*
4 yrs/48 mos/208 wks5.50%*
5 yrs/60 mos/260 wks5.50%*
6 yrs/72 mos/312 wks ($10,000 to $50,000)5.95%*
7 yrs/84 mos/364 wks ($10,000 to $50,000)6.95%*
*Good on new loans to the Credit Union (not refinances or current ACECU loans)
**Salvage Title vehicles will be financed at 75% of Retail Value
^ Annual Percentage Rate - to qualify for the lowest quoted rate in each term, member must meet minimum credit score criteria
 
SIGNATURE LOANS - Maximum amount is based on % of Annual Gross Income
TermInterest Rate as low as^
Open End Loans36 mos9.00%
Closed End Loans36 mos12.00%
 
HOME EQUITY LINE OF CREDIT - (New HELOC Loans September 15, 2009 and after)
Current Rate 5.0% until June 30, 2017
Maximum amount is $100,000 based on 80% of value - less any mortgage still owing.
Variable Rate - Adjusts semi-annually on January 1 and July 1 based on Wall Street Journal
Prime Rate plus 0% with a minimum rate of 5.0%.
Twenty-year mortgage - 10 year draw and 10 year re-payment`
 
VISA CARDS
Interest Rate as low as 9.9%^ with No Annual Fee and a 25-day Grace Period