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Vehicle Loans:
Maximum term is 84 months. If vehicle is 12 years old or older,
signature rates and terms are used. Anything over 100,000/36 months max
unless loan officer feels there is a good reason to go longer.
Motor Homes: Maximum term is 96 months. Loan Officer will use discretion in determining term,
considering collateral, loan amount and loan policy.
Classic Car: Value to be determined by NADA or appraisal. Loan Officer will use discretion in determining
term, maximum loan and interest rate.
CD Loans: Must match the term of the CD and rate is 1.5% above the rate being paid on the CD.
Share Secured: Variable share +2 with a floor of 6%
Agricultural and Commercial Loans Secured: 7.00% (2% above New York Prime, Variable Rate: 7%,
Unsecured: 4% over prime).
Quick Cash: 8.50% variable rate, revolving
Business Quick Cash Line of Credit: 7.25% variable rate, revolving (4% over prime).
Stock Secured Loans: Loan Officer discretion, based on amount of stocks being secured.
First Mortgage Loans: 6.5% - 5 year balloon, 7.25% - 10 year fixed, 7.75% - 15 year fixed.
Home Equity Loans: 6.00% Years maximum term (1% above New York Prime: Floor 6%).
Visa Credit Cards: 9.9% fixed rate, no annual fee.
Commercial Real Estate: 7.00% variable (maximum 2% over prime) or 12 years Ag & Commercial Operating secured 7.0%.
APY = Annual Percentage Yield
Savings
The dividend rates and Annual Percentage Yield (APY) are subject to
change, without notice. Savings account earnings could be reduced if fees are added.
CDs
The dividend rate and Annual Percentage Yield (APY) are subject to change, without notice, at anytime prior
to the issuance of the certificate. After the point of issuance dividend rates and Annual Percentage Yield (APY)
are fixed. Early withdrawal penalties apply. CD earnings could be reduced if fees are added.
IRA
This is a tiered account and the rate for each tier will apply only to one particular deposit balance range.
Dividend Rates and Annual Percentage Yields (APY) are subject to change, without notice, at anytime prior to
the issuance of the certificate. Early withdrawal penalties apply. IRA earnings could be reduced if fees are added.
Loans
All rates displayed are Annual Percent Rates (APR). Loan interest rates and terms provided above are only
estimates. Best rate may vary based on personal credit history and will be provided by Atlantic City Federal
Credit Union upon approval of a completed loan application. Rates are subject to change without notice.
Credit Cards
All rates displayed are Annual Percentage Rate (APR). Loan interest rates and terms provided above are only
estimates. Best Rate may vary based on personal credit history and will be provided by Atlantic City Federal
Credit Union upon approval of a completed loan application. Rates are subject to change without notice.
Mortgages
Rates posted are indications only and are subject to change without notice. Your actual rate and/or points
may be different, as many factors go into providing you with a mortgage loan. Those factors include, your
individual credit worthiness, term and Loan to Value criteria.
Rates effective as of: 7/1/2009.
Lending Rates effective as of:
5/11/2009.
All Rates are subject to change without notice, for an up-to-date rate listing please call 1-800-870-5159.
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