Rates

Loan Rates

Loan Applications are available when you login to Online Banking. If you need help signing up or accessing our online banking site, please contact us. We're here to help.

All Collateral Loan Rates

All rates are APR (Annual Percentage Rate)

Collateral Loan Rates
Effective Date: Wednesday, January 22nd, 2020
Term	APR	% Down	Minimum Loan Amount
36 Months	2.49%-16.50%	0%	$0.00
48 Months	2.49%-16.50%	0%	$0.00
60 Months	2.49%-16.50%	0%	$0.00
66 Months	2.49%-17.50%	0%	$20,000.00
72 Months	2.49%-17.50%	0%	$25,000.00
84 Months	3.99%-18.00%	0%	$30,000.00
120 Months	5.50%-18.00%	Collateral Over $30,000 (boats, travel trailers, etc.)	$30,000.00

Repayment Schedule

New or Current Year: 36-84 Months
Used Vehicles 2018 - 2013: 36-72 Months
Used Vehicles 2012 - 2010: 36-60 Months
Used Vehicles 2009 & Older: 36 Months

Prices cannot exceed NADA Value (with the exception of the purchase of GAP Insurance)

No annual Fee VISA Cards:

VISA: 12.00% APR
VISA Gold: 9.60% APR
VISA Platinum: 7.80% APR
Student VISA 12.00% APR

Personal Loans

Open-ended loans 7.80%-18.00% APR - 42 Months
Closed-ended loans 7.80%-18.00% APR - 60 Months

** Signature Loan and VISA limit combinations cannot exceed $15,000.00

Share Rates

Aeroquip Credit Union is committed to helping you achieve your financial goals.

Current Rates - Certificates of Deposit:

Certificates of Deposit
Effective Date: Wednesday, January 22nd, 2020
Term	Interest Rate	Annual Percentage Yield
6 Months	0.40%	0.40%
1 Year	0.50%	0.50%
2 Years	1.00%	1.00%
3 Years	1.25%	1.25%
4 Years	1.50%	1.50%
5 Years	2.50%	2.50%

Minimum certificate amount to earn the above stated Annual Percentage Yield is $1,000.00. Rates are reviewed weekly. Please contact Aeroquip Credit Union to obtain current rate information. A penalty will be charged for early withdrawals.

Current Rates - Share Savings Program

Last quarter, ACU paid a dividend of 0.10% on savings with an Annual Percentage Yield of 0.10%
Last quarter, ACU paid a dividend of 0.05% on sharedrafts, with an Annual Percentage Yield of 0.05%
Last quarter, ACU paid a dividend of 0.10% on Christmas and Vacation Club accounts, with an Annual Percentage Yield of 0.10%

Rates subject to change quarterly.

**Fees may reduce earnings on accounts.

Current Rates - Money Market Accounts

Money Market Accounts
Effective Date: Wednesday, January 22nd, 2020
Term	APR*	APYE*
$2,500.00-$9,999.99	0.10%	0.10%
$10,000.00-$24,999.99	0.15%	0.15%
$25,000.00 & above	0.20%	0.20%

Rates are determined by the Board of Directors and may change at any time.

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