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Current Rates

Share Accounts

BALANCE
RATE
APY*
> $25.00
0.05%
0.05%
Christmas Club (max. balance $5000.00)
0.25% (floor)
0.25% (floor)

Share Draft Accounts

BALANCE
FEE
RATE
APY*
$0.00 - $999.99
FREE
0.00%
0.00%
> $1,000.00
FREE
0.05%
0.05%

Money Market Accounts

BALANCE
TIER
RATE
APY*
$2,000 - $15,000
Tier 1
0.10%
0.10%
$15,000 - $25,000
Tier 2
0.12%
0.12%
$25,000 - $75,000
Tier 3
0.16%
0.16%
$75,000 - $100,000
Tier 4
0.20%
0.20%
> $100,000
Tier 5
0.25%
0.25%

IRA Accounts

BALANCE
RATE
APY*
> $1.00
0.35%
0.35%

Share and IRA Certificates

BALANCE
TERM
RATE
APY*
> $500.00
6 Month
0.30%
0.30%
> $500.00
12 Month
0.55%
0.55%
> $500.00
24 Month
0.95%
0.95%
> $500.00
36 Month
1.35%
1.35%
> $500.00
48 Month
1.55%
1.55%
> $500.00
60 Month
1.85%
1.85%

Lending Rates

  1. Loan Types Covered include all new and used: motorized vehicles, airplanes, recreational vehicles, boats and travel trailers. All signature loans other than Quick Cash.
  2. Scoring: Loan applicants will be assigned grades form the Expiran Fair Isaac score given on the applicants credit report as shown.

Secured Loans -- Cars, Trucks, Streetbikes & Campers

CREDIT RATING
Credit Rating
Interest Rate * APR
Loan Terms
750+
A+
*2.75%
49 - 60 months
700 - 749
A
*3.00%
49 - 60 months
640 - 699
B
*4.50%
49 - 60 months
580 - 639
C
*7.50%
49 - 60 months
520 - 579
D
*9.50%
49 - 60 months

*APR – Annual Percentage Rate.  The rates shown above are for terms up to 60 months and are for listed collateral with the age from 2009-2017.  Longer terms and older collateral will cause the interest rate to increase.

All interest rates are subject to change without notice.  Ask one of our Loan Officers for details.  These rates are effective as of June 9, 2016.

*Motorcycles, snowmobiles, horse trailers, utility trailers, ATV’s, jet skis, boats.

*Call for rates and terms.

Visa Classic: 10.9% fixed rate, no annual fee.
Visa Platinum: (with approved credit) 9.5% fixed rate, no annual fee.


*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.

 

 

 
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Copyright © 2011 Atlantic City Federal Credit Union 1-800-870-5159 | Equal Opportunity Lender | Equal Housing Lender | Federally Insured by NCUA
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