Rates
Secured Automobiles
2022 - 2025 -- Financed at 100% of Retail Value
2018 - 2021 -- Financed at 90% of Retail Value
| Term | Interest Rate as low as¹ |
|---|---|
| 2 years/24 months/104 weeks | 5.00%* |
| 3 years/36 months/156 weeks | 5.25%* |
| 4 yrs/48 months/208 weeks | 5.50%* |
| 5 years/60 months/260 weeks | 5.75%* |
| 6 years/72 months/312 weeks | 6.50%* |
| 7 years/84 months/364 weeks | 7.00%* |
2017 - Older -- Financed at 80% of Retail Value
| Term | Interest Rate as low as¹ |
|---|---|
| 3 years/36 months/156 weeks | 7.00%* |
| 4 years/48 months/208 weeks | 7.25%* |
Secured Motorcycles, Snowmobiles, Jet Skis, and ATVs
2022 - 2025 -- Financed at 100% of Retail Value
2018 - 2021 -- Financed at 90% of Retail Value
| Term | Interest Rate as low as¹ |
|---|---|
| 2 years/24 months/104 weeks | 5.50%* |
| 3 years/36 months/156 weeks | 6.00%* |
| 4 years/48 months/208 weeks | 6.25%* |
| 5 years/60 months/260 weeks | 7.00%* |
| 6 years/72 months/312 weeks | 7.50%* |
| 7 years/84 months/364 weeks | 8.00%* |
2017 - Older -- Financed at 80% of Retail Value
| Term | Interest Rate as low as¹ |
|---|---|
| 3 years/36 months/156 weeks | 8.00%* |
| 4 years/48 months/208 weeks | 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.
¹Annual Percentage Rate - to qualify for the lowest quoted rate in each term, members must meet minimum credit score criteria.
Rates are subject to change without notice.
Secured Boats and RVs
2022 - 2025 -- Financed at 100% of Retail Value
2018 - 2021 -- Financed at 90% of Retail Value
| Term | Interest Rate as low as¹ |
|---|---|
| 2 years/24 months/104 weeks | 5.50%* |
| 3 years/36 months/156 weeks | 5.75%* |
| 4 years/48 months/208 weeks | 6.00%* |
| 5 years/60 months/260 weeks | 7.00%* |
| 6 years/72 months/312 weeks | 7.50%* |
| 7 years/84 months/364 weeks | 8.00%* |
| 10 years/120 months/520 weeks | 8.50%* |
2017 - Older -- Financed at 80% of Retail Value
| Term | Interest Rate as low as¹ |
|---|---|
| 3 years/36 months/156 weeks | 7.00%* |
| 4 years/48 months/208 weeks | 7.25%* |
| 5 years/60 months/260 weeks | 7.75%* |
| 6 years/72 months/312 weeks | 8.00%* |
| 7 years/84 months/364 weeks | 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.
¹Annual Percentage Rate - to qualify for the lowest quoted rate in each term, members must meet minimum credit score criteria.
Signature Loans - Maximum Amount is Based on % of Annual Gross Income
| Type | Term | Interest Rate as low as¹ |
|---|---|---|
| Open End Loans | 36 months | 9.00% |
| Closed End Loans | 36 months | 12.00% |
¹Annual Percentage Rate - to qualify for the lowest quoted rate in each term, members must meet minimum credit score criteria.
Home Equity Line of Credit
Current Rate 6.0% APR*
Maximum amount is $100,000 based on 80% of value - less any mortgage still owing.
Prime Rate plus 0% APR* with a minimum rate of 5.0% APR*.
Twenty-year mortgage - 10-year draw and 10 year re-payment.
Visa Cards
Interest Rate as low as 9.9%¹ with no annual fee and a 25-day Grace Period.
¹Annual Percentage Rate - to qualify for the lowest quoted rate in each term, members must meet minimum credit score criteria.
Savings Rates
Effective as of January 1, 2025
| Offering | Minimum Balance | Dividend Rate | APY** | Compounding/Crediting |
|---|---|---|---|---|
| Shares | $5 | 0.25% | 0.25% | Quarterly |
| IRA Share Account | $5 | 0.25% | 0.25% | Quarterly |
Term Share Certificate Rates
Effective as of January 1, 2025