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: January 01, 2024
Current Loan Rates
SECURED AUTOMOBILES and TRUCKS
2021 -- 2024 - Financed at 100% of Retail Value
2017 - 2020 -- Financed at 90% of Retail Value
TermInterest Rate as low as^
2 yrs/24 mos/104 wks 5.00%*
3 yrs/36 mos/156 wks 5.25%*
4 yrs/48 mos/208 wks 5.50%*
5 yrs/60 mos/260 wks 5.75%*
6 yrs/72 mos/312 wks 6.50%*
7 yrs/84 mos/364 wks 7.00%*
2016 - Older-- Financed at 80% of Retail Value
TermInterest Rate as low as^
3 yrs/36 mos/156 wks 7.00%*
4 yrs/48 mos/208 wks 7.25%*
 
SECURED MOTORCYCLES, SNOWMOBILES, JET SKIS, and ATVS
2021 - 2024 -- Financed at 100% of Retail Value
2017 - 2020 -- Financed at 90% of Retail Value
TermInterest Rate as low as^
2 yrs/24 mos/104 wks 5.50%*
3 yrs/36 mos/156 wks 6.00%*
4 yrs/48 mos/208 wks 6.25%*
5 yrs/60 mos/260 wks 7.00%*
6 yrs/72 mos/312 wks 7.50%*
7 yrs/84 mos/364 wks 8.00%*
2016 - Older -- Financed at 80% of Retail Value
TermInterest Rate as low as^
3 yrs/36 mos/156 wks 8.00%*
4 yrs/48 mos/208 wks 8.50%*
* 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
2021 - 2024 -- Financed at 100% of Retail Value
2017 - 2020 -- Financed at 90% of Retail Value
TermInterest Rate as low as ^
2 yrs/24 mos/104 wks 5.50%*
3 yrs/36 mos/156 wks 5.75%*
4 yrs/48 mos/208 wks 6.00%*
5 yrs/60 mos/260 wks 7.00%*
6 yrs/72 mos/312 wks 7.50%*
7 yrs/84 mos/364 wks 8.00%*
10 yrs/120 mos/520 wks 8.50%*
2016 - Older -- Financed at 80% of Retail Value
TermInterest Rate as low as^
3 yrs/36 mos/156 wks 7.00%*
4 yrs/48 mos/208 wks 7.25%*
5 yrs/60 mos/260 wks 7.75%*
6 yrs/72 mos/312 wks 8.00%*
7 yrs/84 mos/364 wks 8.25%*
*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 6.0%
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