
Financial Wellness
You face important financial decisions every day. Give yourself the tools you need to be prepared! Learn about financial wellness.
AmeriCU offers our members some of the highest deposit rates, lowest loan rates, and best service around! And with our MemberPlus program, you can get extra benefits from your membership! Learn more about MemberPlus.
Rates current as of November 14, 2019 and are subject to change without notice.
Discover why thousands of people make the switch to AmeriCU every year! Whether you’re looking for a checking or savings account, want to invest in your future with an IRA, need a great rate on a mortgage or home equity loan, or something else – you’ve come to the right place. AmeriCU is here to provide you the right financial services to live life, dream big and achieve financial success.
Please note: Rates below are current as of November 14, 2019 and are subject to change without notice. View Disclosures.
Checking Account | Minimum to Earn APY | APY* | Dividend Rate |
---|---|---|---|
Freedom Checking | N/A | 0.00% | 0.00% |
Performance Checking** | $2,500 | 0.30% | 0.30% |
Privileged Checking*** | $500 | 0.55% | 0.55% |
IQ Checking**** | N/A | 0.00% | 0.00% |
Prestigious Checking***** | $5,000 – $9,999.99 | 0.55% | 0.55% |
$10,000 – $24,999.99 | 0.55% | 0.55% | |
$25,000 and up | 0.55% | 0.55% | |
HSA Checking****** | $25 to $2,499.99 | 1.25% | 1.24% |
$2,500.00 to $4,999.99 | 1.25% | 1.24% | |
$5,000.00 to $9,999.99 | 1.25% | 1.24% | |
$10,000.00 to $49,999.99 | 1.25% | 1.24% | |
$50,000.00 to $99,999.99 | 1.25% | 1.24% | |
$100,000.00 and up | 1.25% | 1.24% |
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
**Pays dividends compounded & paid monthly when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $5.00 monthly minimum balance fee.
***For members age 50 and older. No minimum balance fees, no per check charges, discounts on other services. Dividends are earned when you maintain an average daily balance of $500 or more.
****For members 18-25 years of age. No minimum balance required to open. Once member turns 26, IQ Checking will automatically change to Freedom Checking.
*****Dividends calculated based on the average daily balance. If average daily balance falls below $5,000 during the dividend period, you will not earn dividends for the period and your account will be assessed a $10.00 minimum balance fee. Direct deposit is required.
******Available to qualified individuals covered by a High Deductible Health Plan. HSAs are Health Savings Accounts. Single and family options available. Eligible account balances earn dividends, which are compounded and paid monthly.
Please note: Rates below are current as of November 14, 2019 and are subject to change without notice. View Disclosures.
Minimum to Earn APY | APY* | Dividend Rate |
---|---|---|
$0.01 – $499.99 | 0.65% | 0.65% |
$500.00 – $999.99 | 0.65% | 0.65% |
$1,000.00 – $2,499.99 | 0.75% | 0.75% |
$2,500.00 – $9,999.99 | 0.75% | 0.75% |
$10,000.00 – $24,999.99 | 0.80% | 0.80% |
$25,000.00 – $49,999.99 | 0.90% | 0.90% |
$50,000.00 – $99,999.99 | 0.95% | 0.95% |
$100,000.00 – $249,999.99 | 1.00% | 1.00% |
$250,000.00 – $999,999.99 | 1.10% | 1.09% |
$1,000,000.00 and up | 1.10% | 1.09% |
*APY = Annual Percentage Yield. This variable rate savings option pays dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
Please note: Rates below are current as of November 14, 2019 and are subject to change without notice. View Disclosures.
Savings | Minimum to Earn APY | APY* | Dividend Yield |
---|---|---|---|
Share Savings | |||
$5.00 min. balance to open. | $50 - $999.99 | 0.45% | 0.45% |
$1,000 - $2,499.99 | 0.45% | 0.45% | |
$2,500.00 - $4,999.99 | 0.70% | 0.70% | |
$5,000 and up | 0.70% | 0.70% | |
Stars & Stripes Share Savings | |||
For members age 0-12. | $0.01 - $999.99 | 0.45% | 0.45% |
$5.00 min. balance to open. | $1,000 - $2,499.99 | 0.45% | 0.45% |
$2,500.00 - $4,999.99 | 0.70% | 0.70% | |
$5,000 and up | 0.70% | 0.70% | |
Holiday & Vacation Clubs | |||
$50 - $999.99 | 0.75% | 0.75% | |
$1,000 - $2,499.99 | 0.75% | 0.75% | |
$2,500.00 - $4,999.99 | 0.75% | 0.75% | |
$5,000 and up | 0.75% | 0.75% | |
Rising Stars Share Savings | |||
For members age 13-17. | $0.01 - $999.99 | 0.45% | 0.45% |
$5.00 min. balance to open. | $1,000 - $2,499.99 | 0.45% | 0.45% |
$2,500.00 - $4,999.99 | 0.70% | 0.70% | |
$5,000 and up | 0.70% | 0.70% | |
Health Savings Accounts** | |||
$25 to $2,499.99 | 1.25% | 1.24% | |
$2,500.00 to $4,999.99 | 1.25% | 1.24% | |
$5,000.00 to $9,999.99 | 1.25% | 1.24% | |
$10,000.00 to $49,999.99 | 1.25% | 1.24% | |
$50,000.00 to $99,999.99 | 1.25% | 1.24% | |
$100,000.00 and up | 1.25% | 1.24% | |
Secured Visa Savings Share Accounts*** | |||
$50 - $999.99 | 0.45% | 0.45% | |
$1,000 - $2,499.99 | 0.45% | 0.45% | |
$2,500.00 - $4,999.99 | 0.70% | 0.70% | |
$5,000 and up | 0.70% | 0.70% |
*APY = Annual Percentage Yield. Savings accounts have variable rates and, if applicable, pay dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings.
**Available to qualified individuals covered by a High Deductible Health Plan. HSAs are Health Savings Accounts. Single and family options available.
***Available to members with our Secured VISA product only.
Please note: Rates below are current as of November 14, 2019 and are subject to change without notice. View Disclosures.
Traditional, Tax-Free Roth & Coverdell ESAS | Minimum to Earn APY | APY* | Dividend Rate |
---|---|---|---|
Note-These are variable rate savings accounts. Rates are subject to change without notice. | $50 - $999.99 | 0.70% | 0.70% |
$1,000 - $2,499.99 | 0.70% | 0.70% | |
$2,500 - $4,999.99 | 0.70% | 0.70% | |
$5,000 and up | 0.70% | 0.70% |
*APY = Annual Percentage Yield. These accounts have variable rates and, if applicable, pay dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings.
Note: Savings, Money Market and Checking accounts are variable rate accounts. Rates are subject to change without notice. Applicable fees could reduce earnings on the account. The rate may change after the account is opened.
Please note: rates below are current as of November 14, 2019 and are subject to change without notice. View Disclosures
Dedicated Saver Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
---|---|---|---|
3-12 Month Certificate | |||
Core | $50 | 0.80% | 0.80% |
Flex / Connect | $50 | 0.85% | 0.85% |
Connect Plus | $50 | 0.90% | 0.90% |
Partner | $50 | 0.95% | 0.95% |
*APY = Annual Percentage Rate. Rates are current as of the date posted above and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. The amount of early withdrawal penalty for your account is all accrued dividends up to 90 days’ dividends but not less than seven (7) days’ dividends. For accounts with terms of 12 months or longer, the amount of early withdrawal penalty for your account is all accrued dividends up to 180 days’ dividends but not less than seven (7) days’ dividends. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU. Learn more about MemberPlus.
Please note: rates below are current as of November 14, 2019 and are subject to change without notice. View Disclosures.
Share Certificates | Minimum Balance to Open | APY* | Dividend Rate |
---|---|---|---|
32-89 Day Terms | |||
Core | $1,000 | 0.25% | 0.25% |
Flex / Connect | $1,000 | 0.30% | 0.30% |
Connect Plus | $1,000 | 0.35% | 0.35% |
Partner | $1,000 | 0.40% | 0.40% |
3-5 Month Terms | |||
Core | $1,000 | 0.75% | 0.75% |
Flex / Connect | $1,000 | 0.80% | 0.80% |
Connect Plus | $1,000 | 0.85% | 0.85% |
Partner | $1,000 | 0.90% | 0.90% |
6-11 Month Terms | |||
Core | $1,000 | 1.30% | 1.29% |
Flex / Connect | $1,000 | 1.35% | 1.34% |
Connect Plus | $1,000 | 1.40% | 1.39% |
Partner | $1,000 | 1.45% | 1.44% |
12-23 Month Terms | |||
Core | $1,000 | 2.70% | 2.66% |
Flex / Connect | $1,000 | 2.75% | 2.71% |
Connect Plus | $1,000 | 2.80% | 2.76% |
Partner | $1,000 | 2.85% | 2.81% |
18 Month Terms | |||
Core | $1,000 | 2.75% | 2.71% |
Flex/Connect | $1,000 | 2.80% | 2.76% |
Connect Plus | $1,000 | 2.85% | 2.81% |
Partner | $1,000 | 2.90% | 2.86% |
24-35 Month Terms | |||
Core | $1,000 | 2.85% | 2.81% |
Flex / Connect | $1,000 | 2.90% | 2.86% |
Connect Plus | $1,000 | 2.95% | 2.91% |
Partner | $1,000 | 3.00% | 2.96% |
36-47 Month Terms | |||
Core | $500 | 2.95% | 2.91% |
Flex / Connect | $500 | 3.00% | 2.96% |
Connect Plus | $500 | 3.06% | 3.01% |
Partner | $500 | 3.11% | 3.06% |
48-59 Month Terms | |||
Core | $500 | 3.05% | 3.00% |
Flex / Connect | $500 | 3.10% | 3.05% |
Connect Plus | $500 | 3.15% | 3.10% |
Partner | $500 | 3.20% | 3.15% |
60-72 Month Terms | |||
Core | $500 | 3.15% | 3.10% |
Flex / Connect | $500 | 3.20% | 3.15% |
Connect Plus | $500 | 3.25% | 3.20% |
Partner | $500 | 3.30% | 3.25% |
Jumbo Certificate (3 Month Term) | |||
Core | $100,000 | 0.75% | 0.75% |
Flex / Connect | $100,000 | 0.80% | 0.80% |
Connect Plus | $100,000 | 0.85% | 0.85% |
Partner | $100,000 | 0.90% | 0.90% |
Jumbo Certificate (6 Month Term) | |||
Core | $100,000 | 1.30% | 1.29% |
Flex / Connect | $100,000 | 1.35% | 1.34% |
Connect Plus | $100,000 | 1.40% | 1.39% |
Partner | $100,000 | 1.45% | 1.44% |
Jumbo Certificate (12 Month Term) | |||
Core | $100,000 | 2.70% | 2.66% |
Flex / Connect | $100,000 | 2.75% | 2.71% |
Connect Plus | $100,000 | 2.80% | 2.76% |
Partner | $100,000 | 2.85% | 2.81% |
*APY = Annual Percentage Rate. Rates are current as of the date posted above and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. A penalty may be imposed for accounts with terms of less than 12 months, the amount of early withdrawal penalty for your account is all accrued dividends up to 90 days’ dividends but not less than seven (7) days’ dividends. For accounts with terms of 12 months or longer, the amount of early withdrawal penalty for your account is all accrued dividends up to 180 days’ dividends but not less than seven (7) days’ dividends. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU. Learn more about MemberPlus. Open your Share Certificate online!
Traditional, Tax-Free Roth & Coverdell ESAS | Minimum Balance to Open | APY* | Dividend Rate |
---|---|---|---|
3-5 Month Terms | |||
Core | $1,000 | 0.65% | 0.65% |
Flex / Connect | $1,000 | 0.70% | 0.70% |
Connect Plus | $1,000 | 0.75% | 0.75% |
Partner | $1,000 | 0.80% | 0.80% |
6-11 Month Terms | |||
Core | $1,000 | 1.01% | 1.00% |
Flex / Connect | $1,000 | 1.06% | 1.05% |
Connect Plus | $1,000 | 1.11% | 1.10% |
Partner | $1,000 | 1.16% | 1.15% |
12-23 Month Terms | |||
Core | $1,000 | 2.65% | 2.62% |
Flex / Connect | $1,000 | 2.71% | 2.67% |
Connect Plus | $1,000 | 2.76% | 2.72% |
Partner | $1,000 | 2.81% | 2.77% |
24-35 Month Terms | |||
Core | $1,000 | 2.85% | 2.81% |
Flex / Connect | $1,000 | 2.90% | 2.86% |
Connect Plus | $1,000 | 2.95% | 2.91% |
Partner | $1,000 | 3.00% | 2.96% |
36-47 Month Terms | |||
Core | $500 | 2.95% | 2.91% |
Flex / Connect | $500 | 3.00% | 2.96% |
Connect Plus | $500 | 3.06% | 3.01% |
Partner | $500 | 3.11% | 3.06% |
48-59 Month Terms | |||
Core | $500 | 3.00% | 2.96% |
Flex / Connect | $500 | 3.06% | 3.01% |
Connect Plus | $500 | 3.11% | 3.06% |
Partner | $500 | 3.16% | 3.11% |
60-72 Month Terms | |||
Core | $500 | 3.05% | 3.00% |
Flex / Connect | $500 | 3.10% | 3.05% |
Connect Plus | $500 | 3.15% | 3.10% |
Partner | $500 | 3.20% | 3.15% |
*APY = Annual Percentage Rate. Rates are current as of the date posted above and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. A penalty may be imposed for accounts with terms of less than 12 months, the amount of early withdrawal penalty for your account is all accrued dividends up to 90 days’ dividends but not less than seven (7) days’ dividends. For accounts with terms of 12 months or longer, the amount of early withdrawal penalty for your account is all accrued dividends up to 180 days’ dividends but not less than seven (7) days’ dividends. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU. Learn more about MemberPlus.
At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! The rates shown here are our very best. Loan rates are based on each applicant’s credit history and may vary from those shown below.
The rate you receive may vary based on your MemberPlus Relationship with us. Learn more about MemberPlus.
Please note: rates below are current as of November 14, 2019 and are subject to change without notice. The rate you pay will be determined by the amount and term of loan and your credit history.
New Autos | Term | APR* | Amount Financed |
---|---|---|---|
2018 - 2020 Model Years | Up to 48 months | as low as 2.49% | Up to 125% of MSRP |
49 - 66 months | as low as 2.74% | Up to 125% of MSRP | |
67 - 75 months | as low as 3.24% | Up to 125% of MSRP | |
76 - 84 months | as low as 3.74% | Up to 125% of MSRP |
*APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical new auto loan of $20,000 at 2.74% APR would have 66 monthly payments of $326.81 each month, with total repayment of $21,569.44.
Used Autos | Term | APR* | Amount Financed |
---|---|---|---|
Model Years 2-5 Years Old | Up to 48 months | as low as 2.99% | Lesser of up to 125% of NADA or Sales Price |
Previously titled and registered. | 49 - 66 months | as low as 3.24% | Lesser of up to 125% of NADA or Sales Price |
67 - 75 months | as low as 3.74% | Lesser of up to 125% of NADA or Sales Price |
*APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical used auto loan of $15,000 at 3.24% APR would have 66 monthly payments of $248.46 each month, with a total repayment of $16,397.98.
Older Used Autos | Term | APR* | Amount Financed |
---|---|---|---|
Model Years 6-9 Years Old | Up to 48 months | as low as 3.49% | Lesser of up to 105% NADA or Sales Price |
49 - 66 months | as low as 3.74% | Lesser of up to 105% NADA or Sales Price |
*APR = Annual Percentage Rate. Minimum $5,000. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical older used auto loan of $10,000 at 3.49% APR would have 48 monthly payments of $223.54 each, with total repayment of $10,729.64.
New RV & Marine | Term | APR* | Amount Financed |
---|---|---|---|
2018 - 2020 Model Years | up to 66 months | as low as 3.99% | $5,000+ |
67 - 84 months | as low as 4.99% | $25,000+ | |
85 - 144 months | as low as 5.99% | $50,000+ |
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical New RV or Marine Loan of $25,000 at 4.99% APR would have 84 monthly payments of $353.26 each, with total repayment of $29,673.29.
Used RV & Marine | Term | APR* | Amount Financed |
---|---|---|---|
2014 - 2017 Model Years | up to 66 months | as low as 4.99% | $5,000+ |
67 - 84 months | as low as 5.99% | $25,000+ | |
85 - 144 months | as low as 6.99% | $50,000+ |
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A Typical Used RV or Marine Loan of $25,000 at 5.99% APR would have 84 monthly payments of $365.13 each, with total repayment of $30,670.24.
Older Used RV & Marine | Term | APR* | Amount Financed |
---|---|---|---|
2010 - 2013 Model Years | up to 66 months | as low as 9.25% | $5,000+ |
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loans for RVs and Marine up to 10 years old. A Typical Older Used RV or Marine Loan of $5,000 at 9.25% APR would have 66 monthly payments of $96.95 each, with total repayment of $6,398.44.
NEW Snowmobile, ATV & Jet Ski | Term | APR* | Amount Financed |
---|---|---|---|
2018 - 2020 Model Years | Up to 48 months | as low as 4.25% | Up to 125% of MSRP |
49 - 66 months | as low as 4.50% | Up to 125% of MSRP | |
67 - 75 months | as low as 5.50% | Up to 125% of MSRP | |
76 - 84 months | as low as 6.00% | Up to 125% of MSRP |
*APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical new Snowmobile/ATV/Jet Ski loan of $15,000 at 4.50% APR would have 66 monthly payments of $256.99 each, with total repayment of $16,961.33.
Used Snowmobile, ATV & Jet Ski | Term | APR* | Amount Financed |
---|---|---|---|
2014 - 2017 Model Years | Up to 48 months | as low as 5.25% | Up to 125% of NADA Retail |
49 - 66 months | as low as 5.50% | Up to 125% of NADA Retail | |
67 - 75 months | as low as 6.50% | Up to 125% of NADA Retail | |
76 - 84 months | as low as 7.00% | Up to 125% of NADA Retail |
*APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical used Snowmobile/ATV/Jet Ski loan of $10,000 at 5.50% APR would have 66 monthly payments of $175.94 each, with total repayment of $11,611.86.
Older Snowmobile, ATV & Jet Ski | Term | APR* | Amount Financed |
---|---|---|---|
2010 - 2013 Model Years | Up to 48 months | as low as 7.75% | Up to 105% of NADA Retail |
49-66 months | as low as 8.00% | Up to 105% of NADA Retail |
*APR = Annual Percentage Rate. Maximum minimum $5,000 on terms up to 66 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical older used Snowmobile/ATV/Jet Ski loan of $10,000 at 8.00% APR would have 66 monthly payments of $187.86 each, with total repayment of 12,398.67.
New Motorcycle | Term | APR* | Amount Financed |
---|---|---|---|
2018 - 2020 Model Years | Up to 48 months | as low as 3.25% | Up to 125% of MSRP |
49 - 66 months | as low as 3.50% | Up to 125% of MSRP | |
67 - 75 months | as low as 4.50% | Up to 125% of MSRP | |
76 - 84 months | as low as 5.00% | Up to 125% of MSRP |
*APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical new Motorcycle loan of $15,000 at 3.50% APR would have 66 monthly payments of $250.20 each, with total repayment of $16,512.76.
Used Motorcycle | Term | APR* | Amount Financed |
---|---|---|---|
2014 - 2017 Model Years | Up to 48 months | as low as 4.25% | Up to 125% of NADA Retail |
49 - 66 months | as low as 4.50% | Up to 125% of NADA Retail | |
67 - 75 months | as low as 5.50% | Up to 125% of NADA Retail | |
76 - 84 months | as low as 6.00% | Up to 125% of NADA Retail |
*APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical used Motorcycle loan of $10,000 at 4.50% APR would have 66 monthly payments of $171.34 each, with total repayment of $11,307.91.
Older Used Motorcycle | Term | APY* | Amount Financed |
---|---|---|---|
2010 - 2013 Model Years | Up to 48 months | as low as 6.75% | Up to 105% of NADA Retail |
49-66 months | as low as 7.00% | Up to 105% of NADA Retail |
*APR = Annual Percentage Rate. Maximum minimum $5,000 on terms up to 66 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical older used Motorcycle loan of $10,000 at 7.00% APR would have 66 monthly payments of $183.06 each, with total repayment of $12,081.25.
Term | APR* | Amount Financed |
---|---|---|
Up to 24 months | as low as 7.00% | Up to $50,000 |
25 - 36 months | as low as 8.00% | Up to $50,000 |
37 - 48 months | as low as 9.00% | Up to $50,000 |
49 - 60 months | as low as 10.00% | Up to $50,000 |
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical Unsecured Loan of $5,000 at 7.00% APR would have 24 monthly payments of $223.90 each, with total repayment of $5,373.49.
Term | APR* | Amount Financed |
---|---|---|
Up to 144 months | 4% above share rate | Maximum amount of shares |
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Secured by any share account (except checking or IRA). A typical Share Pledge of $2,000 at 4.70% APR would have 24 monthly payments of $84.48 each with total repayment of $2099.43. Not eligible for Member Relationship Pricing.
Term | APR* | Amount Financed |
---|---|---|
Limited to date of certificate maturity | 3% above certificate rate | $500 up to certificate amount |
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Secured by a share certificate account. A typical Certificate Pledge of $2,000 at 5.81% APR would have 24 monthly payments of $88.48 each with total repayment of $2,123.33. Not eligible for Member Relationship Pricing.
APR* | Amount Financed |
---|---|
as low as 10.25% | up to $5,000 |
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Please note: rates below are current as of November 14, 2019 and are subject to change without notice.
Card | APR* | Annual Fee |
---|---|---|
VISA Signature Rewards** | As low as 8.48% | $0 |
VISA Traditional Platinum** | As low as 7.90% | $0 |
MasterCard*** | As low as 12.90% | $0 |
Secured VISA Platinum**** | As low as 15.90% | $0 |
*APR = Annual Percentage Rate. Rates and terms are accurate as of November 14, 2019, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay. Credit Cards are not eligible for MemberPlus Relationship Pricing. Learn more about MemberPlus.
** Standard APR may vary and is based on Prime Rate. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. See full terms and disclosures.
***Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. See full terms and disclosures.
****Open a secured savings account with AmeriCU for $500+ to get a Secured VISA®. The credit limit on your Secured VISA® = the balance in your Secured Savings Account (in increments of $100 up to $5,000). Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. See full terms and disclosures.
At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve!
Loan rates are based on each applicant’s credit history and may vary from those shown below and are also subject to underwriting guidelines. Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us. Rates are subject to change without notice. All rates shown as Annual Percentage Rate (APR).
Payment Example: 1st 6 months if LTV is 80% or less (from day of closing): Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. 7th mo. to 10th year OR 0 Month to 10th year if LTV is 81% or greater: Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. 11th to 25th year: Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00.
Term | APR* | Payment Per $1000 |
---|---|---|
60 months | as low as 3.25% | $18.08 |
120 months | as low as 3.75% | $10.01 |
180 months | as low as 4.25% | $7.52 |
240 months | as low as 4.75% | $6.46 |
360 months | as low as 5.25% | $5.52 |
*APR = Annual Percentage Rate. Loan rates and terms are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a loan-to-value (LTV) up to 80%. Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us. 1st Lien Home Equity loans are secured by a loan on property.
Term | APR* | Payment Per $1000 |
---|---|---|
60 months | as low as 3.75% | $18.30 |
120 months | as low as 4.50% | $10.36 |
180 months | as low as 4.50% | $7.65 |
*APR = Annual Percentage Rate. Loan rates and terms are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a loan-to-value (LTV) up to 80%. Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us. 2nd Lien Home Equity loans are secured by a loan on property.
Home Equity Line of Credit | Term | Loan to Value | APR* |
---|---|---|---|
Introductory Rate | First 6 months | Up to 80% | 1.99% |
Variable Rate | 7th month - 10th year | Up to 80% | Prime + 0% |
0 months - 10th year | 81 - 90% | Prime + 1% | |
0 months - 10th year | 91 - 100% | Prime + 2% | |
11th month - 25th year | Up to 80% | Prime + 0% | |
11th month - 25th year | 81 - 90% | Prime + 1% | |
11th month - 25th year | 91 - 100% | Prime + 2% |
*APR = Annual Percentage Rate. Rates and terms are accurate as of November 14, 2019 and are subject to change without notice. The advertised rate is available on Home Equity Lines of Credit with an 80% loan-to-value, less first mortgage. After first 6 months, rate is variable based on the prime rate published in the Wall Street Journal plus a margin (0% APR). If the introductory rate were not offered, the rate would be the Prime Rate which is 4.75% as of November 14, 2019. Minimum line of credit is $7,500. Rates can increase or decrease, but not fall below 2.75% APR or exceed 15.00% APR. Applications are subject to credit approval. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change without notice. If the loan is closed within 3 years, the member reimburses closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1,500. A Home Equity Line of Credit is secured by a lien on property. Product not eligible for MemberPlus relationship pricing. Equal Housing Lender. Federally insured by NCUA. Membership restrictions apply.
Payment Example: 1st 6 months if LTV is 80% or less (from day of closing): Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. 7th mo. to 10th year OR 0 Month to 10th year if LTV is 81% or greater: Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. 11th to 25th year: Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00.
Please note: rates below are current as of November 14, 2019 and are subject to change without notice.
Mortgages | APR* | Rate | Monthly payment per $1000 |
---|---|---|---|
30 Year Fixed Rate Conventional | as low as 3.754% | as low as 3.625% | $4.56 |
15 Year Fixed Rate Conventional | as low as 3.336% | as low as 3.125% | $6.97 |
7/1 Adjustable Rate (ARM) | as low as 3.321% | as low as 2.875% | $4.15 (30-yr term assumed) |
30 Year FHA/VA Fixed Rate | as low as 4.171% | as low as 3.750% | $4.63 |
*APR = Annual Percentage Rate (APR) based on $100,000 loan amount and no prepaid interest. Rates are subject to change without notice. Mortgage insurance may be required, which could increase your APR. Payments do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. (Biweekly payments also available; however, rates and terms may differ from those listed above.) Rates, terms and conditions are subject to change without notice. Consult your Mortgage Officer. The interest rate for your mortgage is set at the time you apply. You must carry property insurance. All loans subject to credit approval. For adjustable rate mortgage (ARM) loans, the APR may increase after consummation, and with each rate change, the payment will also change. For fixed rate loans, the APR will not increase for the term of the loan. Other mortgage options are available. Call 800.388.2000 for details.
Visit your local AmeriCU Financial Center or contact a member of our Business Team for our current Business Rates.
Please note: Rates below are current as of November 14, 2019 and are subject to change without notice. View disclosures.
Minimum to Earn APY | APY* | Dividend Rate |
---|---|---|
$0.01 - $499.99 | 0.75% | 0.75% |
$500.00 - $999.99 | 0.75% | 0.75% |
$1,000 - $2,499.99 | 0.75% | 0.75% |
$2,500 - $9,999.99 | 0.75% | 0.75% |
$10,000 - $24,999.99 | 0.85% | 0.85% |
$25,000 - $49,999.99 | 0.85% | 0.85% |
$50,000 - $99,999.99 | 0.90% | 0.90% |
$100,000 - $249,999.99 | 1.00% | 1.00% |
$250,000 - $999,999.99 | 1.04% | 1.04% |
$1,000,000 and up | 1.04% | 1.04% |
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
Minimum to Earn APY | APY* | Dividend Rate |
---|---|---|
$50 - $999.99 | 0.75% | 0.75% |
$1,000 - $2,499.99 | 0.75% | 0.75% |
$2,500 - $4,999.99 | 0.75% | 0.75% |
$5,000 and up | 0.75% | 0.75% |
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
Minimum to Earn APY | APY* | Dividend Rate |
---|---|---|
No minimum balance | 0.50% | 0.50% |
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
Minimum to Earn APY | APY* | Dividend Rate |
---|---|---|
$2,500.00 | 0.50% | 0.50% |
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened. Pays dividends compounded & paid monthly when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $15.00 monthly minimum balance fee.
Minimum to Earn APY | APY* | Dividend Rate |
---|---|---|
$5,000 - 9,999.99 | 0.60% | 0.60% |
$10,000 - 24,999.99 | 0.60% | 0.60% |
$25,000 and up | 0.60% | 0.60% |
APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened. Pays dividends compounded & paid monthly when you maintain the required average daily balance of $5,000 or more. If your average daily balance falls below $5,000, there is a $25.00 monthly minimum balance fee.
Please note: Rates below are current as of November 14, 2019 and are subject to change without notice. View disclosures.
Select Business Certificates | Minimum Balance to Open | APY* | Dividend Rate |
---|---|---|---|
32 - 89 Day Terms | $1,000 | 0.25% | 0.25% |
3 - 5 Months Terms | $1,000 | 0.75% | 0.75% |
6 - 11 Months Terms | $1,000 | 1.30% | 1.29% |
12 - 23 Months Terms | $1,000 | 2.70% | 2.66% |
24 - 35 Months Terms | $1,000 | 2.85% | 2.81% |
36 - 47 Months Terms | $500 | 2.95% | 2.91% |
48 - 59 Months Terms | $500 | 3.05% | 3.00% |
60 - 72 Months Terms | $500 | 3.15% | 3.10% |
3 Month Jumbo | $100,000 | 0.75% | 0.75% |
6 Month Jumbo | $100,000 | 1.30% | 1.29% |
12 Month Jumbo | $100,000 | 2.70% | 2.66% |
*APY = Annual Percentage Rate. Rates are current as of the date posted above and are subject to change without notice. The minimum balance to earn APY is the same as the minimum opening deposit. A penalty may be imposed for early withdrawal.
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