Financial Wellness
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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 June 1, 2020 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 June 1, 2020 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 to $2,499.99 0.24% 0.24% $2,500.00 to $4,999.99 0.24% 0.24% $5,000.00 to $9,999.99 0.29% 0.29% $10,000.00 to $49,999.99 0.29% 0.29% $50,000.00 to $99,999.99 0.34% 0.34% $100,000.00 and up 0.34% 0.34% *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 June 1, 2020 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 June 1, 2020 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 0.01% 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% $5.00 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% $5.00 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 to $2,499.99 0.24% 0.24% $2,500.00 to $4,999.99 0.24% 0.24% $5,000.00 to $9,999.99 0.29% 0.29% $10,000.00 to $49,999.99 0.29% 0.29% $50,000.00 to $99,999.99 0.34% 0.34% $100,000.00 and up 0.34% 0.34% 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 June 1, 2020 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 010% 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.
Dedicated Saver Share Certificate
Please note: rates below are current as of June 1, 2020 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 0.03% 0.03% Flex / Connect $50 0.08% 0.08% Connect Plus $50 0.13% 0.13% Partner $50 0.18% 0.18% *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.
Share Certificates
Please note: rates below are current as of April 27, 2020 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 0.03% 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% 3-5 Month Terms 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% 6-11 Month Terms 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% 12-23 Month Terms Core $1,000 0.68% 0.68% Flex / Connect $1,000 0.73% 0.73% Connect Plus $1,000 0.78% 0.78% Partner $1,000 0.83% 0.83% 24-35 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% 36-47 Month Terms 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% 48-59 Month Terms 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% 60-72 Month Terms 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% Jumbo Certificate (3 Month Term) Core $100,000 0.13% 0.13% Flex / Connect $100,000 0.18% 0.18% Connect Plus $100,000 0.23% 0.23% Partner $100,000 0.28% 0.28% Jumbo Certificate (6 Month Term) Core $100,000 0.29% 0.29% Flex / Connect $100,000 0.34% 0.34% Connect Plus $100,000 0.39% 0.39% Partner $100,000 0.44% 0.44% Jumbo Certificate (12 Month Term) Core $100,000 0.78% 0.78% Flex / Connect $100,000 0.83% 0.83% Connect Plus $100,000 0.88% 0.88% Partner $100,000 0.93% 0.93% *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!
IRA Share Certificates
Traditional, Tax-Free Roth & Coverdell ESAS Minimum Balance to Open APY* Dividend Rate 3-5 Month Terms 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% 6-11 Month Terms 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% 12-23 Month Terms Core $1,000 0.73% 0.73% Flex / Connect $1,000 0.78% 0.78% Connect Plus $1,000 0.83% 0.83% Partner $1,000 0.88% 0.88% 24-35 Month Terms 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% 36-47 Month Terms 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% 48-59 Month Terms 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% 60-72 Month Terms 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 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.
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 June 1, 2020.
Used Vehicle Loans
Used Vehicles 1 to 3 years old 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 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 June 1, 2020.
Older Used Vehicle Loans
Older Used Vehicle Loans 4 to 6 years Term* APR* Up to 48 months as low as 2.74% 49-60 months as low as 2.99% 61-72 months as low as 3.24% 73-84 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 older used auto loan of $20,000 at 2.74% APR would have 48 monthly payments of $440.43 each month, with total repayment of $21,140.49 Rates current as of June 1, 2020.
New Motorcycle Loans
New Motorcycle 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% *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 June 1, 2020.
Used Motorcycle Loans
Used Motorcycle Loans 1 to 3 years old 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% *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 June 1, 2020
Older Used Motorcycle Loans
Older Used Motorcycle Loans 4 to 6 years old Term* APR* Up to 48 months as low as 3.74% 49-60 months as low as 3.99% 61-72 months as low as 4.24% 73-84 months as low as 4.74% *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 older used RV loan of $25,000 at 3.74% APR would have 48 monthly payments of $ 561.64 each month, with total repayment of $26,958.37. Rates current as of June 1, 2020.
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 June 1, 2020.
Used Recreational Vehicles
Used Recreational Vehicle Loans 1 to 3 years old 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 June 1, 2020
Older Used Recreational Vehicles
Older Used Recreational Vehicle Loans 4 to 6 years old Term* APR* Up to 48 months as low as 3.74% 49-60 months as low as 3.99% 61-72 months as low as 4.24% 73-84 months as low as 4.74% 85-120 months as low as 4.99% 121-180 months as low as 5.24% 181-240 months as low as 5.49% *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 older used RV loan of $25,000 at 3.74% APR would have 48 monthly payments of $ 561.64 each month, with total repayment of $26,958.37. Rates current as of June 1, 2020.
New Marine Loans
New Marine Loans Term* APR* Up to 48 months as low as 3.24% 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 3.24% APR would have 48 monthly payments of $556.06 each month, with total repayment of $26,690.87. Rates current as of June 1, 2020
Used Marine Loans
Used Marine Loans 1 to 3 years old 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 June 1, 2020
Older Used Marine Loans
Older Used Marine Loans 4 to 6 years old Term* APR* Up to 48 months as low as 4.74% 49-60 months as low as 4.99% 61-72 months as low as 5.24% 73-84 months as low as 5.74% 85-120 months as low as 5.99% 121-180 months as low as 6.24% 181-240 months as low as 6.49% *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 older used Marine loan of $25,000 at 4.74% APR would have 48 monthly payments of $ 572.80 each month, with total repayment of $27,494.25. Rates current as of June 1, 2020
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 4.99% 61-72 months as low as 5.24% 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 3.24% APR would have 48 monthly payments of $333.64 each month, with total repayment of $16,014.72. Rates current as of June 1, 2020
Used Snowmobile, ATV & Jet Ski Loans
Used Snowmobile, ATV & Jet Ski Loans 1 to 3 years old 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 June 1, 2020
Older Used Snowmobile, ATV & Jet Ski Loans
Older Used Snowmobile, ATV & Jet Ski Loans 4 to 6 years old Term* APR* Up to 48 months as low as 5.24% 49-60 months as low as 5.49% 61-72 months as low as 5.74% 73-84 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 Older Used Recreation Equipment loan of $15,000 at 5.24% APR would have 48 monthly payments of $347.08 each month, with total repayment of $16,659.57. Rates current as of June 1, 2020
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 June 1, 2020
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 June 1, 2020 and are subject to change without notice.
Please note: rates below are current as of June 1, 2020 and are subject to change without notice.
| Card | APR* | Annual Fee |
|---|---|---|
| VISA Signature Rewards** | As low as 7.24% | $0 |
| VISA Traditional Platinum** | As low as 6.24% | $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 June 1, 2020, 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.
Home Equity Loans & Lines
Term APR* Payment per $1,000 60 months as low as 3.50% $18.19 *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 Home Equity loans are secured by a loan on property.
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% Up to 80% 120 months As low as rate 300 Prime Rate Up to 100% 120 months *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 shown are based on a combined loan-to-value (CLTV) up to 80.00%. The rate you receive may vary based on your specific CLTV and MemberPlus Relationship, if applicable. Home Equity loans are secured by a lien on your property. Prime Rate is 3.25% as of 3/16/2020.
Payment Example: 1st 6 months if CLTV is 80% or less (from date of closing): Interest Only Payment (plus Credit Life and Disability Insurance, if applicable) on the amount used or $25.00, whichever is greater. The 7th month through the 120th month OR 0 months through the 120th month if the CLTV is greater than 80.00%: Interest Only Payment (plus Credit Life and Disability Insurance, if applicable) on the amount used or $25.00, whichever is greater. The 121st month through the 300th month the outstanding balance will be amortized over 180 months. The payment will be the principal and interest payment due (plus Credit Life and Disability Insurance, if applicable) or $100.00, whichever is greater.
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).
Please note: rates below are current as of June 1, 2020 and are subject to change without notice.
| Mortgages | APR* | Rate | Monthly payment per $1000 |
|---|---|---|---|
| 30 Year Fixed Rate Conventional | as low as 3.371% | as low as 3.250% | $4.35 |
| 15 Year Fixed Rate Conventional | as low as 2.966% | as low as 2.750% | $6.79 |
| AmeriCU Dream Mortgage 30 Year Fixed Rate | as low as 4.030% | as low as 3.875% | $4.70 |
*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 June 1, 2020 and are subject to change without notice. View disclosures.
Please note: Rates below are current as of June 1, 2020 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 | 0.03% | 0.03% |
| 3 - 5 Months Terms | $1,000 | 0.03% | 0.03% |
| 6 - 11 Months Terms | $1,000 | 0.19% | 0.19% |
| 12 - 23 Months Terms | $1,000 | 0.68% | 0.68% |
| 24 - 35 Months Terms | $1,000 | 0.75% | 0.75% |
| 36 - 47 Months Terms | $500 | 0.83% | 0.83% |
| 48 - 59 Months Terms | $500 | 0.85% | 0.85% |
| 60 - 72 Months Terms | $500 | 0.88% | 0.88% |
| 3 Month Jumbo | $100,000 | 0.13% | 0.13% |
| 6 Month Jumbo | $100,000 | 0.29% | 0.29% |
| 12 Month Jumbo | $100,000 | 0.78% | 0.78% |
*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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