Current Rates
Our Current Rates
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 2nd July 2022 and are subject to change without notice.
Personal Rates
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.
Checking Accounts
Please note: Rates below are current as of 2nd July 2022 and are subject to change without notice. View Disclosures.
Checking Account Minimum to Earn APY APY* Dividend Rate Freedom Checking 0.00 0.00% 0.00% Performance Checking** $2,500 0.01% 0.01% Privileged Checking*** $500 0.10% 0.10% IQ Checking**** N/A 0.00% 0.00% Prestigious Checking***** $5,000 – $9,999.99 0.03% 0.03% $10,000 – $24,999.99 0.10% 0.10% $25,000 and up 0.15% 0.15% HSA Checking****** $25.00 to $2,499.99 0.70% 0.70% $2,500.00 to $4,999.99 0.70% 0.70% $5,000.00 to $9,999.99 0.70% 0.70% $10,000.00 to $49,999.99 0.70% 0.70% $50,000.00 to $99,999.99 0.70% 0.70% $100,000.00 and up 0.70% 0.70% *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.
Money Market Savings
Please note: Rates below are current as of 2nd July 2022 and are subject to change without notice. View Disclosures.
Minimum to Earn APY APY* Dividend Rate $0.01 – $499.99 0.01% 0.01% $500.00 – $999.99 0.01% 0.01% $1,000.00 – $2,499.99 0.03% 0.03% $2,500.00 – $9,999.99 0.07% 0.07% $10,000.00 – $24,999.99 0.15% 0.15% $25,000.00 – $49,999.99 0.25% 0.25% $50,000.00 – $99,999.99 0.35% 0.35% $100,000.00 – $249,999.99 0.70% 0.70% $250,000.00 – $999,999.99 0.80% 0.80% $1,000,000.00 and up 1.00% 1.00% *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.
Savings
Please note: Rates below are current as of 2nd July 2022 and are subject to change without notice. View Disclosures.
Savings Minimum to Earn APY APY* Dividend Yield Share Savings $0.01 min. balance to open. $50 - $999.99 0.01% 0.01% $1,000 - $2,499.99 0.03% 0.03% $2,500.00 - $4,999.99 0.05% 0.05% $5,000 and up 0.10% 0.10% Stars & Stripes Share Savings For members age 0-12. $0.01 - $999.99 0.01% 0.01% $0.01 min. balance to open. $1,000 - $2,499.99 0.03% 0.03% $2,500.00 - $4,999.99 0.05% 0.05% $5,000 and up 0.10% 0.10% Holiday & Vacation Clubs $50 - $999.99 0.01% 0.01% $1,000 - $2,499.99 0.03% 0.03% $2,500.00 - $4,999.99 0.05% 0.05% $5,000 and up 0.10% 0.10% Rising Stars Share Savings For members age 13-17. $0.01 - $999.99 0.01% 0.01% $0.01 min. balance to open. $1,000 - $2,499.99 0.03% 0.03% $2,500.00 - $4,999.99 0.05% 0.05% $5,000 and up 0.10% 0.10% Health Savings Accounts** $25.00 to $2,499.99 0.70% 0.70% $2,500.00 to $4,999.99 0.70% 0.70% $5,000.00 to $9,999.99 0.70% 0.70% $10,000.00 to $49,999.99 0.70% 0.70% $50,000.00 to $99,999.99 0.70% 0.70% $100,000.00 and up 0.70% 0.70% Secured Visa Savings Share Accounts*** $50 - $999.99 0.01% 0.01% $1,000 - $2,499.99 0.03% 0.03% $2,500.00 - $4,999.99 0.05% 0.05% $5,000 and up 0.10% 0.10% *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.
IRA Savings Accounts
Please note: Rates below are current as of 2nd July 2022 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 0.01% 0.01% $1,000 - $2,499.99 0.03% 0.03% $2,500 - $4,999.99 0.05% 0.05% $5,000 and up 0.10% 0.10% *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.
Share Certificate Special
Share Certificate Special Minimum Balance to Open APY* Dividend Rate 12-Month Term $1,000 1.77% 1.75% *Annual Percentage Yields (APYs) are current as of June 21, 2022 and are subject to change without notice. Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. To obtain the stated APY, the minimum balance is $1,000. If you close your account before accrued dividends are credited, accrued dividends will not be paid. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Fees may reduce earnings. After an account is opened, withdrawals of principal are subject to early withdrawal penalties as stated in the Rate Schedule. Withdrawals of dividends are not subject to penalty. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA.
Dedicated Saver Share Certificate
Please note: rates below are current as of 2nd July 2022 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 0.19% 0.19% Flex / Connect $50 0.24% 0.24% Connect Plus $50 0.29% 0.29% Partner $50 0.34% 0.34% *APY = Annual Percentage Yield. 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. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. 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.
Share Certificates
Please note: rates below are current as of 2nd July 2022 and are subject to change without notice. View Disclosures.
Share Certificates Minimum Balance to Open APY* Dividend Rate 60 Day Certificate Core $1,000 0.03% 0.03% Flex / Connect $1,000 0.08% 0.08% Connect Plus $1,000 0.13% 0.13% Partner $1,000 0.18% 0.18% 3 Month Certificate Core $1,000 0.03% 0.03% Flex / Connect $1,000 0.08% 0.08% Connect Plus $1,000 0.13% 0.13% Partner $1,000 0.18% 0.18% 6 Month Certificate Core $1,000 0.19% 0.19% Flex / Connect $1,000 0.24% 0.24% Connect Plus $1,000 0.29% 0.29% Partner $1,000 0.34% 0.34% 12 Month Certificate Core $1,000 0.80% 0.80% Flex / Connect $1,000 0.85% 0.85% Connect Plus $1,000 0.90% 0.90% Partner $1,000 0.95% 0.95% 24 Month Certificate Core $1,000 0.80% 0.80% Flex / Connect $1,000 0.85% 0.85% Connect Plus $1,000 0.90% 0.90% Partner $1,000 0.95% 0.95% 36 Month Certificate Core $500 0.83% 0.83% Flex / Connect $500 0.88% 0.88% Connect Plus $500 0.93% 0.93% Partner $500 0.98% 0.98% 48 Month Certificate Core $500 0.85% 0.85% Flex / Connect $500 0.90% 0.90% Connect Plus $500 0.95% 0.95% Partner $500 1.01% 1.00% 60 Month Certificate Core $500 0.88% 0.88% Flex / Connect $500 0.93% 0.93% Connect Plus $500 0.98% 0.98% Partner $500 1.04% 1.03% *APY = Annual Percentage Yield. 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. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. 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!
IRA Share Certificates
Traditional, Tax-Free Roth & Coverdell ESAS Minimum Balance to Open APY* Dividend Rate 3 Month Certificate Core $1,000 0.08% 0.08% Flex / Connect $1,000 0.13% 0.13% Connect Plus $1,000 0.18% 0.18% Partner $1,000 0.23% 0.23% 6 Month Certificate Core $1,000 0.24% 0.24% Flex / Connect $1,000 0.29% 0.29% Connect Plus $1,000 0.34% 0.34% Partner $1,000 0.39% 0.39% 12 Month Certificate Core $1,000 0.85% 0.85% Flex / Connect $1,000 0.90% 0.90% Connect Plus $1,000 0.95% 0.95% Partner $1,000 1.00% 1.00% 24 Month Certificate Core $1,000 0.85% 0.85% Flex / Connect $1,000 0.90% 0.90% Connect Plus $1,000 0.95% 0.95% Partner $1,000 1.00% 1.00% 36 Month Certificate Core $500 0.88% 0.88% Flex / Connect $500 0.93% 0.93% Connect Plus $500 0.98% 0.98% Partner $500 1.04% 1.03% 48 Month Certificate Core $500 0.90% 0.90% Flex / Connect $500 0.95% 0.95% Connect Plus $500 1.01% 1.00% Partner $500 1.06% 1.05% 60 Month Certificate Core $500 0.93% 0.93% Flex / Connect $500 0.98% 0.98% Connect Plus $500 1.04% 1.03% Partner $500 1.09% 1.08% *APY = Annual Percentage Yield. 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. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. 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.
New Vehicle Loans
New Vehicles Term* APR* Up to 48 as low as 2.24% 49-60 months as low as 2.49% 61-72 months as low as 2.74% 73-84 months as low as 3.24% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new auto loan of $20,000 at 2.24% APR would have 48 monthly payments of $436.01 each month, with total repayment of $20,928.07. Rates current as of 2nd July 2022.
Used Vehicle Loans
Used Vehicles Term* APR* Up to 48 months as low as 2.49% 49-60 months as low as 2.74% 61-72 months as low as 2.99% 73-84 months as low as 3.49% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. Offer is nontransferable and is not valid on existing AmeriCU loans. A typical used auto loan of $20,000 at 2.49% APR would have 48 monthly payments of $438.23 each month, with total repayment of $21,034.76. Rates current as of 2nd July 2022.
New (PaySaver) Vehicle Loans
New (PaySaver) Vehicle Term* APR* Up to 48 as low as 3.24% 49-60 months as low as 3.49% 61-72 months as low as 3.74% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new auto loan of $30,000 at 3.24% APR would have 47 monthly payments of $519 each month, and would include a balloon payment due at loan maturity of $8,150. Rates current as of 2nd July 2022.
Used (PaySaver) Vehicle Loans
Used (PaySaver) Vehicles Term* APR* Up to 48 months as low as 3.49% 49-60 months as low as 3.74% 61-72 months as low as 3.99% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new auto loan of $15,000 at 3.49% APR would have 47 monthly payments of $227 each month, and would include a balloon payment due at loan maturity of $5,800. Rates current as of 2nd July 2022.
New Motorcycle Loans
New Motorcycle Loans Term* APR* Up to 48 months as low as 2.24% 49-60 months as low as 2.49% 61-72 months as low as 2.74% 73-84 months as low as 3.24% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new Motorcycle loan of $20,000 at 2.24% APR would have 48 monthly payments of $436.01 each month, with total repayment of $20,928.07. Rates current as of 2nd July 2022.
Used Motorcycle Loans
Used Motorcycle Loans Term* APR* Up to 48 months as low as 2.49% 49-60 months as low as 2.74% 61-72 months as low as 2.99% 73-84 months as low as 3.49% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical used Motorcycle loan of $20,000 at 2.24% APR would have 48 monthly payments of $ 436.01 each month, with total repayment of $20,928.07. Rates current as of 2nd July 2022.
New Recreational Vehicles
New Recreational Vehicle Loans Term* APR* Up to 48 months as low as 3.24% 49-60 months as low as 3.49% 61-72 months as low as 3.74% 73-84 months as low as 4.24% 85-120 months as low as 4.49% 121-180 months as low as 4.74% 181-240 months as low as 4.99% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new RV loan of $25,000 at 3.24% APR would have 48 monthly payments of $556.06 each month, with total repayment of $26,690.87. Rates current as of 2nd July 2022.
Used Recreational Vehicles
Used Recreational Vehicle Loans Term* APR* Up to 48 months as low as 3.49% 49-60 months as low as 3.74% 61-72 months as low as 3.99% 73-84 months as low as 4.49% 85-120 months as low as 4.74% 121-180 months as low as 4.99% 181-240 months as low as 5.24% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical used RV loan of $25,000 at 3.49% APR would have 48 monthly payments of $ 558.57 each month, with total repayment of $26,824.52. Rates current as of 2nd July 2022.
New Marine Loans
New Marine Loans Term* APR* Up to 48 months as low as 4.24% 49-60 months as low as 4.49% 61-72 months as low as 4.74% 73-84 months as low as 5.24% 85-120 months as low as 5.49% 121-180 months as low as 5.74% 181-240 months as low as 5.99% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new Marine loan of $25,000 at 4.24% APR would have 48 monthly payments of $567.18 each month, with total repayment of $27,224.26. Rates current as of 2nd July 2022.
Used Marine Loans
Used Marine Loans Term* APR* Up to 48 months as low as 4.49% 49-60 months as low as 4.74% 61-72 months as low as 4.99% 73-84 months as low as 5.49% 85-120 months as low as 5.74% 121-180 months as low as 5.99% 181-240 months as low as 6.24% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical used Marine loan of $25,000 at 4.49% APR would have 48 monthly payments of $ 569.98 each month, with total repayment of $27,358.99. Rates current as of 2nd July 2022.
New Snowmobile, ATV, & Jet Ski Loans
New Snowmobile, ATV & Jet Ski Loans Term* APR* Up to 48 months as low as 3.24% 49-60 months as low as 3.24% 61-72 months as low as 4.24% 73-84 months as low as 5.74% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new Recreation Equipment loan of $15,000 at 4.74% APR would have 48 monthly payments of $343.68 each month, with total repayment of $16,496.64. Rates current as of 2nd July 2022.
Used Snowmobile, ATV & Jet Ski Loans
Used Snowmobile, ATV & Jet Ski Loans Term* APR* Up to 48 months as low as 4.99% 49-60 months as low as 5.24% 61-72 months as low as 5.49% 73-84 months as low as 5.99% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Used Recreation Equipment loan of $15,000 at 4.99% APR would have 48 monthly payments of $345.38 each month, with total repayment of $16,577.97. Rates current as of 2nd July 2022.
Signature, Personal & Unsecured Loans
Signature, Personal & Unsecured Loans Term* APR* Up to 24 months as low as 5.99% 25-36 months as low as 6.49% 37-48 months as low as 6.99% 49-60 months as low as 7.49% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history and underwriting factors and are subject to change without notice. Applications are subject to credit approval. A typical unsecured loan of $5,000 at 5.99% APR would have 48 monthly payments of $117.41 each month, with total repayment of $5,635.30. Rates current as of 2nd July 2022.
Share Pledge
Term APR* Up to 144 months 4% above share rate *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.
Certificate Pledge
Term APR* Limited to date of certificate maturity 3% above certificate rate *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.
Personal Line of Credit
At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! Your rate may vary from those shown below based on the amount and term of loan and your credit history.
The rate you receive may also vary based on your MemberPlus Relationship with us. Learn more about MemberPlus.
Please note: rates below are current as of 2nd July 2022 and are subject to change without notice.
Please note: rates below are current as of 2nd July 2022 and are subject to change without notice.
| Card | APR* | Annual Fee |
|---|---|---|
| VISA Signature Rewards** | As low as 7.49% | $0 |
| VISA Traditional** | As low as 6.49% | $0 |
| MasterCard*** | As low as 12.90% | $0 |
| Secured VISA**** | As low as 15.90% | $0 |
*APR = Annual Percentage Rate. Rates and terms are accurate as of 2nd July 2022, 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.
** 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. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.
See full terms and disclosures.
***Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater. We will no longer be opening new MasterCard accounts as of 8/6/21.
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. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.
Home Equity Loan
Term APR* Payment per $1,000 60 months as low as 3.25% $18.08 120 months as low as 3.50% $9.89 180 months as low as 3.75% $7.28 240 months as low as 4.25% $6.20 1st lien- Home Equity Loan
*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% The rate you receive may vary based on your MemberPlus Relationship with us. 1st Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.2nd lien- Home Equity loan
*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 100% The rate you receive may vary based on your MemberPlus Relationship with us. 2nd Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.Home Equity Line of Credit
Home Equity Line of Credit Term in Months APR* Loan to Value Draw Period Introductory Rate First 6 months as low as 1.99% (After first 6 months, the APR will be 4.25% to 8.25% APR*) Up to 80% 120 months As low as rate 300 Prime Rate Up to 100% 120 months *APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Minimum line of credit is $7,500. The introductory rate is available on Home Equity Lines of Credit with a loan-to-value ratio, less first mortgage, of no more than 80%. After first 6 months, the variable APR may vary monthly based on the Prime Rate published in the Wall Street Journal and may be subject to change thereafter in accordance with the line of credit documents, not to exceed 15% 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. Up to 100% LTV: The advertised rate is available on Home Equity Lines of Credit with a loan-to-value ratio, less first mortgage, of no more than 100%. The variable rate APR would be equal to the Prime Rate, and may increase or decrease but not to exceed 15.00% APR. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. A Home Equity Line of Credit is secured by a lien on real property. Property insurance is required to open a Home Equity Line of Credit. Product not eligible for MemberPlus relationship pricing. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
Home Renovation Loan
Home Renovation Loan Term* APR* Up to 60 months as low as 5.99% 61-84 months as low as 6.24% 85-108 months as low as 6.49% 109-120 months as low as 6.74% 121-180 months as low as 6.99% 181-240 months as low as 7.99% *A typical Home Renovation Loan of $30,000 at 6.74% APR would have 120 monthly payments of $344.42 each month, with total repayment of $41,328.80. Rates as of 2nd July 2022.
Home Improvement Loan
Home Improvement Loan Term* APR* Up to 24 months as low as 5.99% 25-36 months as low as 6.49% 37-48 months as low as 6.99% 49-60 months as low as 7.49% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history and underwriting factors and are subject to change without notice. Applications are subject to credit approval. A typical unsecured loan of $5,000 at 5.99% APR would have 48 monthly payments of $117.41 each month, with total repayment of $5,635.30. Rates current as of 2nd July 2022.
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. 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). Rates below are current as of 2nd July 2022 and are subject to change without notice.
Please note: rates below are current as of 2nd July 2022 and are subject to change without notice.
| Mortgages | APR* | Rate | Monthly payment per $1000 |
|---|---|---|---|
| 30 Year Fixed Rate Conventional | as low as 5.794% | as low as 5.625% | $5.76 |
| 15 Year Fixed Rate Conventional | as low as 5.281% | as low as 5.000% | $7.91 |
| AmeriCU Veterans Fixed Rate Mortgage | as low as 5.804% | as low as 5.625% | $5.76 |
*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.
Business Rates
Visit your local AmeriCU Financial Center or contact a member of our Business Team for our current Business Rates.
Select Business Tiered Money Market Account
Minimum to Earn APY APY* Dividend Rate $0.01 - $499.99 0.01% 0.01% $500.00 - $999.99 0.01% 0.01% $1,000 - $2,499.99 0.03% 0.03% $2,500 - $9,999.99 0.07% 0.07% $10,000 - $24,999.99 0.15% 0.15% $25,000 - $49,999.99 0.25% 0.25% $50,000 - $99,999.99 0.35% 0.35% $100,000 - $249,999.99 0.70% 0.70% $250,000 - $999,999.99 0.80% 0.80% $1,000,000 and up 1.00% 1.00% *APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
Select Business Savings Account
Minimum to Earn APY APY* Dividend Rate $50 - $999.99 0.01% 0.01% $1,000 - $2,499.99 0.03% 0.03% $2,500 - $4,999.99 0.05% 0.05% $5,000 and up 0.10% 0.10% *APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
Select Business Freedom Checking
Minimum to Earn APY APY* Dividend Rate No minimum balance 0.00% 0.00% *APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
Select Business Value Checking
Minimum to Earn APY APY* Dividend Rate $2,500.00 0.01% 0.01% *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.
Select Business Premier Checking
Minimum to Earn APY APY* Dividend Rate $5,000 - 9,999.99 0.03% 0.03% $10,000 - 24,999.99 0.10% 0.10% $25,000 and up 0.15% 0.15% 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 2nd July 2022 and are subject to change without notice. View disclosures.
Please note: Rates below are current as of 2nd July 2022 and are subject to change without
| Select Business Certificates | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| 60 Day Term | $1,000 | 0.03% | 0.03% |
| 3 Months Term | $1,000 | 0.03% | 0.03% |
| 6 Months Term | $1,000 | 0.19% | 0.19% |
| 12 Months Term | $1,000 | 0.68% | 0.68% |
| 24 Months Term | $1,000 | 0.75% | 0.75% |
| 36 Months Term | $500 | 0.83% | 0.83% |
| 48 Months Term | $500 | 0.85% | 0.85% |
| 60 Months Term | $500 | 0.88% | 0.88% |
*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.