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 1st June 2023 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 1st June 2023 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 1st June 2023 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 0.25% 0.25% $10,000.00 – $24,999.99 0.40% 0.40% $25,000.00 – $49,999.99 0.50% 0.50% $50,000.00 – $99,999.99 0.60% 0.60% $100,000.00 – $249,999.99 0.80% 0.80% $250,000.00 – $999,999.99 0.90% 0.90% $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 1st June 2023 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 1st June 2023 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 18-Month $1,000 4.00% 3.92% 12-Month $1,000 3.50% 3.44% *Annual Percentage Yields (APYs) current as of May 8, 2023 and are subject to change without notice. Minimum balance of $1,000 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. 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 1st June 2023 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 1st June 2023 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 0.25% 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% 6 Month Certificate Core $1,000 4.50% 4.40% Flex / Connect $1,000 4.50% 4.40% Connect Plus $1,000 4.50% 4.40% Partner $1,000 4.50% 4.40% 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 2.28% 2.25% Flex / Connect $1,000 2.33% 2.30% Connect Plus $1,000 2.38% 2.35% Partner $1,000 2.43% 2.40% 36 Month Certificate Core $500 2.28% 2.25% Flex / Connect $500 2.33% 2.30% Connect Plus $500 2.38% 2.35% Partner $500 2.43% 2.40% 48 Month Certificate Core $500 2.53% 2.50% Flex / Connect $500 2.58% 2.55% Connect Plus $500 2.63% 2.60% Partner $500 2.69% 2.65% 60 Month Certificate Core $500 2.53% 2.50% Flex / Connect $500 2.58% 2.55% Connect Plus $500 2.63% 2.60% Partner $500 2.69% 2.65% *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 0.25% 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% 6 Month Certificate Core $1,000 4.50% 4.40% Flex / Connect $1,000 4.50% 4.40% Connect Plus $1,000 4.50% 4.40% Partner $1,000 4.50% 4.40% 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 4.00% 3.92% Flex / Connect $1,000 4.00% 3.92% Connect Plus $1,000 4.00% 3.92% Partner $1,000 4.00% 3.92% 36 Month Certificate Core $500 2.28% 2.25% Flex / Connect $500 2.33% 2.30% Connect Plus $500 2.38% 2.35% Partner $500 2.43% 2.40% 48 Month Certificate Core $500 2.53% 2.50% Flex / Connect $500 2.58% 2.55% Connect Plus $500 2.63% 2.60% Partner $500 2.69% 2.65% 60 Month Certificate Core $500 2.53% 2.50% Flex / Connect $500 2.58% 2.55% Connect Plus $500 2.63% 2.60% Partner $500 2.69% 2.65% *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.
Vehicle Loans
Vehicles Term* APR* Up to 48 as low as 6.24% 49-60 months as low as 6.49% 61-72 months as low as 6.74% 73-84 months as low as 7.24% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical auto loan of $20,000 at 6.24% APR would have 48 monthly payments of $471.90 each month, with total repayment of $22,651.41. Rates current as of 1st June 2023.
(PaySaver) Vehicle Loans
(PaySaver) Vehicle Term* APR* Up to 48 as low as 7.24% 49-60 months as low as 7.49% 61-72 months as low as 7.74% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical auto loan of $30,000 at 7.24% APR would have 48 monthly payments of $471.00 each month, and would include a balloon payment due at loan maturity of $14,606.00. Rates current as of 1st June 2023.
Motorcycle Loans
Motorcycle Loans Term* APR* Up to 48 months as low as 6.24% 49-60 months as low as 6.49% 61-72 months as low as 6.74% 73-84 months as low as 7.24% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Motorcycle loan of $20,000 at 6.24% APR would have 48 monthly payments of $471.90 each month, with total repayment of $22,651.41. Rates current as of 1st June 2023.
Recreational Vehicles
Recreational Vehicle Loans Term* APR* Up to 48 months as low as 7.24% 49-60 months as low as 7.49% 61-72 months as low as 7.74% 73-84 months as low as 8.24% 85-120 months as low as 8.49% 121-180 months as low as 8.74% 181-240 months as low as 8.99% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical RV loan of $25,000 at 7.24% APR would have 48 monthly payments of $601.44 each month, with total repayment of $28.869.40. Rates current as of 1st June 2023.
Marine Loans
Marine Loans Term* APR* Up to 48 months as low as 8.24% 49-60 months as low as 8.49% 61-72 months as low as 8.74% 73-84 months as low as 9.24% 85-120 months as low as 9.49% 121-180 months as low as 9.74% 181-240 months as low as 9.99% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Marine loan of $25,000 at 8.24% APR would have 48 monthly payments of $613.14 each month, with total repayment of $29,430.88. Rates current as of 1st June 2023.
Snowmobile, ATV, & Jet Ski Loans
Snowmobile, ATV & Jet Ski Loans Term* APR* Up to 48 months as low as 7.24% 49-60 months as low as 7.24% 61-72 months as low as 8.24% 73-84 months as low as 9.74% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Recreation Equipment loan of $15,000 at 7.24% APR would have 48 monthly payments of $360.87 each month, with total repayment of $17,321.58. Rates current as of 1st June 2023.
Residential Equipment
Residential Equipment Term* APR* Up to 48 months as low as 7.24% 49-60 months as low as 7.24% 61-72 months as low as 8.24% 73-84 months as low as 9.74% *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Residential Equipment loan of $15,000 at 7.24% APR would have 48 monthly payments of $360.87 each month, with total repayment of $17,321.58. Rates current as of 1st June 2023.
Signature, Personal & Unsecured Loans
Signature, Personal & Unsecured Loans Term* APR* Up to 24 months as low as 8.49% 25-36 months as low as 8.99% 37-48 months as low as 9.49% 49-60 months as low as 9.99% *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 8.49% APR would have 48 monthly payments of $123.22 each month, with total repayment of $5,914.46. Rates current as of 1st June 2023.
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 1st June 2023 and are subject to change without notice.
AmeriCONNECT Visa Signature Rewards Card
AmeriCONNECT Visa Signature Rewards Card** APR* Annual Fee Introductory Variable APR for purchases within the first 12 months of opening 0% $0 Introductory Variable APR for balance transfers within the first 60 days of opening 0% $0 Standard Variable APR 15.90%-17.99% $0 *APR = Annual Percentage Rate. Rates and terms are accurate as of 1st June 2023, 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.
**0% Introductory APR is valid on purchases made within the first 12-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When the introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. A 3% APR balance transfer fee will be applied to any balance transfers made within the first 60 days of account opening. The APR range for purchases and balance transfers following the introductory period is 15.90%-17.99%. Rates are determined by creditworthiness and other factors at time of application. 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 is $10.00 or 3% of the amount of each cash advance, whichever is greater. 20,000 Bonus Reward Points applied when $1,000 is spent in the first 90-days.
AmeriCONNECT Visa Rewards Card
AmeriCONNECT Visa Rewards Card** APR* Annual Fee Introductory Variable APR for purchases within the first 12 months of opening 0% $0 Introductory Variable APR for balance transfers within the first 60 days of opening 0% $0 Standard Variable APR 17.90%-17.99% $0 *APR = Annual Percentage Rate. Rates and terms are accurate as of 1st June 2023, 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.
**0% Introductory APR is valid on purchases made within the first 12-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When the introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. A 3% APR balance transfer fee will be applied to any balance transfers made within the first 60 days of account opening. The APR range for purchases and balance transfers following the introductory period is 17.90%-17.99%. Rates are determined by creditworthiness and other factors at time of application. 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 is $10.00 or 3% of the amount of each cash advance, whichever is greater. 10,000 Bonus Reward Points applied when $500 is spent in the first 90-days.
AmeriCONNECT Visa Card
AmeriCONNECT Visa Card** APR* Annual Fee Introductory Variable APR for purchases within the first 6 months of opening 1.99%-4.99% $0 Introductory Variable APR for balance transfers within the first 60 days of opening 1.99%-4.99% $0 Standard Variable APR 12.90%-17.99% $0 *APR = Annual Percentage Rate. Rates and terms are accurate as of 1st June 2023, 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.
**1.99-4.99% Introductory APR is based on credit score and is valid on purchases made within the first 6-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. The APR range for purchases and balance transfers following the introductory period is 12.90%-17.99%. Rates are determined by creditworthiness and other factors at time of application. 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.
AmeriCONNECT Visa Secured Card
AmeriCONNECT Visa Secured Card** APR* Annual Fee Non-Variable APR As low as 15.90% $0 *APR = Annual Percentage Rate. Rates and terms are accurate as of 1st June 2023, 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.
**Rates are determined by creditworthiness and other factors at time of application. The Annual Percentage Rate (APR) for purchases and balance transfers is 15.90%. 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.
Please note: rates below are current as of 1st June 2023 and are subject to change without notice.
Home Equity Loan
Term APR* Payment per $1,000 60 months as low as 5.50% $19.11 120 months as low as 6.00% $11.11 180 months as low as 6.50% $8.72 240 months as low as 7.00% $7.76 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 3.99% (After first 6 months, the APR will be 8.25% to 11.75% 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. Prime Rate is 8.25% APR, effective May 4, 2023. 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 8.74% 61-84 months as low as 8.99% 85-108 months as low as 9.24% 109-120 months as low as 9.49% 121-180 months as low as 9.74% 181-240 months as low as 10.74% *A typical Home Renovation Loan of $5,000 at 8.74% APR would have 48 monthly payments of $123.81 each month, with total repayment of $5,942.82. Rates as of 1st June 2023.
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 1st June 2023 and are subject to change without notice.
Please note: rates below are current as of 1st June 2023 and are subject to change without notice.
*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 0.25% 0.25% $10,000 - $24,999.99 0.40% 0.40% $25,000 - $49,999.99 0.50% 0.50% $50,000 - $99,999.99 0.60% 0.60% $100,000 - $249,999.99 0.80% 0.80% $250,000 - $999,999.99 0.90% 0.90% $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 1st June 2023 and are subject to change without notice. View disclosures.
Please note: Rates below are current as of 1st June 2023 and are subject to change without notice.
| Select Business Certificates | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| 60 Day Term | $1,000 | 0.03% | 0.03% |
| 3 Months Term | $1,000 | 0.25% | 0.25% |
| 6 Months Term | $1,000 | 4.50% | 4.40% |
| 12 Months Term | $1,000 | 2.53% | 2.50% |
| 24 Months Term | $1,000 | 4.00% | 3.92% |
| 36 Months Term | $500 | 2.28% | 2.25% |
| 48 Months Term | $500 | 2.53% | 2.50% |
| 60 Months Term | $500 | 2.53% | 2.50% |
*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.