Find A Location

Find a Shared Service Center »

Newsletter Sign Up

Sign up for our email newsletter and learn about upcoming events and promotions.

Current Rates

You'll find we have your best interest at heart! Our goal is to help as many of our members as possible, obtain the credit and reap the rewards that they deserve!

Deposits

Please note: Rates below are current as of February 1, 2014 and are subject to change without notice. Disclosures

Checking Accounts

Average Daily Balance Annual Percentage Yield Dividend Rate
Freedom Checking
AmeriCU's basic checking product, with no monthly fees, no minimum balance requirements and no per check charges. N/A N/A N/A
Performance Checking
For higher balance members, this checking option pays dividends compounded and 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. N/A 0.250% 0.250%
Privileged Checking
AmeriCU's special checking service, for members age 50 and better. There are no minimum balance fees, no per check charges, and members are eligible for discounts on other services. Plus, dividends are earned when you maintain an average daily balance of just $500 or more. N/A 0.250% 0.250%
iQ Checking
(For members 18-25 years of age) This checking account is designed for our student members getting started in the world of finance. There is no minimum balance required to open this account. Once member turns 26 years of age, the iQ Checking will automatically change to a Freedom Checking. N/A N/A N/A
Prestigious Checking
This is a tiered rate checking account. Dividends will be calculated based on the average daily balance. If the 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 minimum balance fee. Direct deposit is required. $5,000 - $9,999.99 0.150% 0.150%
$10,000 - $24,999.99 0.250% 0.250%
$25,000 and up 0.400% 0.399%
HSA Checking
NEW! AmeriCU is pleased to offer HSA Checking accounts to qualified individuals who are covered by a High Deductible Health Plan. HSAs are Health Savings Accounts which allow individuals to use pre-taxed dollars to be withdrawn tax-free to pay for qualified medical expenses at their own discretion. AmeriCU’s HSA Checking offer single and family options. Eligible account balances earn dividends, which are compounded and paid monthly. $25 to $2,499.99 0.200% 0.200%
$2,500.00 to $4,999.99 0.300% 0.300%
$5,000.00 to $9,999.99 0.400% 0.399%
$10,000.00 to $49,999.99 0.500% 0.499%
$50,000.00 to $99,999.99 0.600% 0.598%
$100,000.00 and up 0.700% 0.698%

Money Market Savings

Average Daily Balance Annual Percentage Yield Dividend Rate
For higher balance members, this variable rate savings option pays dividends compounded and 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 $4.00 monthly min. balance fee. Withdrawals limited to 6 per month. $2,500 - $9,999.99 0.200% 0.200%
$10,000 - $24,999.99 0.250% 0.250%
$25,000 - $49,999.99 0.300% 0.300%
$50,000 - $99,999.99 0.350% 0.349%
$100,000 and up 0.400% 0.399%

Savings

Average Daily Balance Annual Percentage Yield Dividend Rate
Share Savings
Minimum balance to open account $5.00 $50 - $999.99 0.100% 0.100%
$1,000 - $2,499.99 0.100% 0.100%
$2,500.00-$4,999.99 0.250% 0.250%
$5,000 and up 0.250% 0.250%
Stars & Stripes Club
AmeriCU's kids' savings account, especially designed for member age 0-12. $0.01 - $999.99 0.100% 0.100%
$1,000 - $2,499.99 0.100% 0.100%
$2,500.00-$4,999.99 0.250% 0.250%
$5,000 and up 0.250% 0.250%
Holiday & Vacation Clubs
Structured Savings account for special events. Min. balance to open account $5.00. $50 - $999.99 0.100% 0.100%
$1,000 - $2,499.99 0.100% 0.100%
$2,500.00-$4,999.99 0.250% 0.250%
$5,000 and up 0.250% 0.250%
Rising Stars Club
AmeriCU's teen savings account, specially designed for members age 13-17. $0.01 - $999.99 0.100% 0.100%
$1,000 - $2,499.99 0.100% 0.100%
$2,500.00-$4,999.99 0.250% 0.250%
$5,000 and up 0.250% 0.250%
HSA Savings
NEW! AmeriCU is pleased to offer HSA Savings accounts to individuals who are covered by a High Deductible Health Plan. HSAs are Health Savings Accounts which allow the use of pre-taxed dollars to be withdrawn tax-free to pay for qualified medical expenses at an individual’s own discretion. AmeriCU’s HSA Savings offer single and family options. Eligible account balances earn dividends, which are compounded and paid monthly. $25 to $2,499.99 0.200% 0.200%
$2,500.00 to $4,999.99 0.300% 0.300%
$5,000.00 to $9,999.99 0.400% 0.399%
$10,000.00 to $49,999.99 0.500% 0.499%
$50,000.00 to $99,999.99 0.600% 0.598%
$100,000.00 and up 0.700% 0.698%
Secured VISA Savings Share Accounts
Applicable for our secured VISA product only. $50 - $999.99 0.100% 0.100%
$1,000 - $2,499.99 0.100% 0.100%
$2,500.00-$4,999.99 0.250% 0.250%
$5,000 and up 0.250% 0.250%

IRA Savings Accounts

Average Daily Balance Annual Percentage Yield Dividend Rate
Traditional, Tax-Free Roth & Coverdell ESAs
Note-These are variable rate savings accounts. Rates are subject to change without notice. $50 - $999.99 0.250% 0.250%
$1,000-$2,499.99 0.300% 0.300%
$2,500-$4,999.99 0.350% 0.349%
$5,000 and up 0.400% 0.399%

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.

Loans

At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! The rates shown here are our very best, available to those with excellent credit. Loan rates are based on each applicant's credit history and may vary from those shown below.

Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us. 

Please note: rates below are current as of January 13, 2014 and are subject to change without notice. All rates shown as Annual Percentage Rate (APR). 

Payment Example:
A Typical New Auto Loan of $20,000 at 2.75% APR would have 60 monthly payments of $369.41 each, with total repayment of $22,164.22 (Includes Payment Protection Plan).

New Vehicle Loans


Model Years for Last Year, Current Year, and Next Year's vehicles (Minimum $5,000)

Term APR Amount
Up to 24 Months 2.75% Up to 120% of MSRP
25-36 months 2.75% Up to 120% of MSRP
37-48 months 2.75% Up to 120% of MSRP
49-60 months 2.75% Up to 120% of MSRP
61-66 months 3.00% Up to 120% of MSRP
67-72 months 3.25% Up to 120% of MSRP
73-84 months 4.50% Up to 120% of MSRP

Payment Example:
A Typical Used Auto Loan of $10,000 at 3.00% APR would have 36 monthly payments of $298.29 each, with total repayment of $10,738.08 (Includes Payment Protection Plan).

Used Vehicle Loans


Model Years for vehicles 2 to 5 years old. Previously Titled and Registered. (Minimum $5,000)

Term APR Amount
Up to 24 months 3.00% Up to 120% of NADA/SalesPrice-whichever is less
25-36 months 3.00% Up to 120% of NADA/SalesPrice-whichever is less
37-48 months 3.00% Up to 120% of NADA/SalesPrice-whichever is less
49-60 months 3.00% Up to 120% of NADA/SalesPrice-whichever is less
61-66 months 3.25% Up to 120% of NADA/SalesPrice-whichever is less
67-72 months 3.50% Up to 120% of NADA/SalesPrice-whichever is less

Payment Example:
A Typical Used Auto Loan of $8,000 at 7.50% APR would have 36 monthly payments of $255.61 each, with total repayment of $9,201.90 (Includes Payment Protection Plan).

Older Used Vehicle


Model Years for vehicles 6 to 9 years old (Minimum $5,000)

Term APR Amount
Up to 24 months 7.25% Up to 105% NADA/Sales Price-whichever is less
25-36 months 7.50% Up to 105% NADA/Sales Price-whichever is less
37-48 months 7.75% Up to 105% NADA/Sales Price-whichever is less
49-60 months 7.75% Up to 105% NADA/Sales Price-whichever is less
61-66 months 8.00% Up to 105% NADA/Sales Price-whichever is less

Payment Example:
A Typical Used Marine Loan of $50,000 at 4.75% APR would have 180 monthly payments of $389.04 each, with total repayment of $70,027.04.

Marine Loans **


New and Used (Maximum 10 years old)

Term APR Amount
240 months 4.49% $75,000 +
180 months 4.75% $50,000+
180 months 4.75% $25,000+
144 months 4.99% $10,000+

Payment Example:
A Typical RV Loan of $25,000 at 6.00% APR would have 180 monthly payments of $211.00 each, with total repayment of $37,977.02.

RV-Recreational Vehicle Loans **


New and Used (Maximum 15 years old)

Term APR Amount
240 months 5.75% $75,000+
180 months 6.00% $25,000+
144 months 6.25% $10,000+
72 months 7.75% $5,000+

Payment Example:
A Typical New Motorcycle/Snowmobile Loan of $15,000 at 3.50% APR would have 60 monthly payments of $285.30 each, with total repayment of $17,117.89. (Includes Payment Protection Plan.)

New Motorcycle and Snowmobile Loans


(Must be a Homeowner. Min. Loan Amount $5,000)

Term APR Amount
Up to 24 months 3.50% Up to 100% of MSRP
25-36 months 3.50% Up to 100% of MSRP
37-48 months 3.50% Up to 100% of MSRP
49-60 months 3.50% Up to 100% of MSRP
61-66 months 3.75% Up to 100% of MSRP
67-72 months 4.00% Up to 100% of MSRP

Payment Example:
A Typical Used Motorcycle/Snowmobile Loan of $8,000 at 3.75% APR would have 36 monthly payments of $243.34 each, with total repayment of $8,760.02. (Includes Payment Protection Plan.)

Used Motorcycle and Snowmobile Loans


(Must be a Homeowner. Min. Loan Amount $5,000)

Term APR Amount
Up to 24 months 3.75% Up to 100% of NADA Retail
25-36 months 3.75% Up to 100% of NADA Retail
37-48 months 3.75% Up to 100% of NADA Retail
49-60 months 3.75% Up to 100% of NADA Retail
61-66 months 4.00% Up to 100% of NADA Retail
67-72 months 4.25% Up to 100% of NADA Retail

Payment Example:
A Typical Personal Loan of $8,000 at 11.00% APR would have 36 monthly payments of $271.71 each, with total repayment of $9,781.40. (Includes Payment Protection Plan.)

Signature/Personal/Unsecured Loans


[Includes loans for Autos more than 9 yrs old and/or less than $5000, Home Improvement, Pool, Computer, ATV, Jet Ski, Farm Equipment, etc.]

Term APR Amount
Up to 24 months 10.75% Up to $40,000
25-36 months 11.00% Up to $40,000
37-48 months 11.25% Up to $40,000
49-60 months 11.50% Up to $40,000

Smart Line of Credit


The Smart Line will provide you with Fast Ca$h at a low APR of just 10.00%. Want an even greater value? We’ll convert your APR to 9.75% when you qualify for preferred pricing.

Term APR Amount Security
Open 9.75% Up to $5,000 Signature Only

VIP Line of Credit **

Term APR Amount Security
Open 15.90% Up to $5,000 Signature Only

Share Pledge **

Term APR Amount Security
Up to 144 months 4% above share rate Maximum amount of shares Any share account (except checking or (IRA)

Certificate Pledge **

Term APR Amount Security
Limited to date of certificate maturity 3% above certificate rate $500 up to certificate amount Certificate

Payment Example:
A Typical Home Improvement Loan of $5,000 at 6.25% APR would have 60 monthly payments of $100.83 each, with total repayment of $6,049.73 (Includes Payment Protection Plan.)

No Equity Home Improvement Loan **


Take advantage of a low-interest Home Improvement Loan from AmeriCU starting at 6.25% APR! Make home improvements without tapping into your home’s equity.

Term APR Amount
1-60 mos 6.25% Maximum Loan amount $50,000
61-144 mos 6.90% Maximim Loan Amount $50,000

** Product not eligible for MemberPlus relationship pricing.

Credit Cards

Please note: rates below are current as of March 1, 2013 and are subject to change without notice.

APR Annual Fee Late Fee Notes
Platinum VISA 7.90% 15.90% Cash Advances NONE Up to $25.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $5,000, Maximum credit line is $40,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
VISA Gold 10.90% 15.90% Cash Advances NONE Up to $25.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $2,500, Maximum credit line is $25,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
Classic VISA 13.90% 17.90% Cash Advances NONE Up to $20.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Finance Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
iQ VISA Gold 10.90% 15.90% Cash Advances NONE Up to $25.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $500. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
Classic MasterCard 12.90% 17.90% Cash Advances $12.00 Up to $20.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
Secured VISA 15.90% 17.90% Cash Advances NONE Up to $25.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.

APR = Annual Percentage Rate.

CU Reward Program lets you earn points for all eligible purchases. (Earn one reward point for every net dollar you spend. Each month, your statement details your point activity. Anytime, you can redeem your points for travel awards, brand name merchandise, or balance transfers in the CURewardsMall.)

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).

VISA® Agreement         MasterCard® Agreement

Please note that Credit Cards are not eligible for MemberPlus Relationship Pricing.

Certificates of Deposit (CDs)

Please note: rates below are current as of February 1, 2014 and are subject to change without notice. Disclosures

Dedicated Saver Share Certificate Minimum
Balance to Open
Annual
Percentage Yield
Dividend
Rate
3-12 Month Certificate
Core $ 50 0.400% 0.399%
Flex/Connect $ 50 0.450% 0.449%
Connect Plus $ 50 0.500% 0.499%
Partner $ 50 0.651% 0.649%
Share Certificates Minimum
Balance to Open
Annual
Percentage Yield
Dividend
Rate
32 - 89 Day Certificate
Core $ 1,000 0.100% 0.100%
Flex/Connect $ 1,000 0.150% 0.150%
Connect Plus $ 1,000 0.200% 0.200%
Partner $ 1,000 0.351% 0.350%
3 - 5 Month Certificate
Core $ 1,000 0.150% 0.150%
Flex/Connect $ 1,000 0.200% 0.200%
Connect Plus $ 1,000 0.250% 0.250%
Partner $ 1,000 0.401% 0.400%
6 - 11 Month Certificate
Core $ 1,000 0.400% 0.399%
Flex/Connect $ 1,000 0.450% 0.449%
Connect Plus $ 1,000 0.500% 0.499%
Partner $ 1,000 0.651% 0.649%
12 - 23 Month Certificate
Core $ 1,000 0.600% 0.598%
Flex/Connect $ 1,000 0.650% 0.648%
Connect Plus $ 1,000 0.701% 0.698%
Partner $ 1,000 0.852% 0.848%
24 - 35 Month Certificate
Core $ 1,000 0.700% 0.698%
Flex/Connect $ 1,000 0.750% 0.748%
Connect Plus $ 1,000 0.801% 0.798%
Partner $ 1,000 0.952% 0.948%
36 - 47 Month Certificate
Core $ 500 1.150% 1.143%
Flex/Connect $ 500 1.201% 1.193%
Connect Plus $ 500 1.251% 1.243%
Partner $ 500 1.403% 1.393%
48 - 59 Month Certificate
Core $ 500 1.400% 1.390%
Flex/Connect $ 500 1.451% 1.440%
Connect Plus $ 500 1.501% 1.490%
Partner $ 500 1.654% 1.640%
60 - 72 Month Certificate
Core $ 500 1.600% 1.587%
Flex/Connect $ 500 1.651% 1.637%
Connect Plus $ 500 1.702% 1.687%
Partner $ 500 1.854% 1.837%
Jumbo Certificate (3 month term)
Core $ 100,000 0.150% 0.150%
Flex/Connect $ 100,000 0.200% 0.200%
Connect Plus $ 100,000 0.250% 0.250%
Partner $ 100,000 0.401% 0.400%
Jumbo Certificate (6 month term)
Core $ 100,000 0.400% 0.399%
Flex/Connect $ 100,000 0.450% 0.449%
Connect Plus $ 100,000 0.500% 0.499%
Partner $ 100,000 0.651% 0.649%
Jumbo Certificate (12 month term)
Core $ 100,000 0.600% 0.598%
Flex/Connect $ 100,000 0.650% 0.648%
Connect Plus $ 100,000 0.701% 0.698%
Partner $ 100,000 0.852% 0.848%
IRA Certificate Accounts Minimum
Balance to Open
Annual
Percentage Yield
Dividend
Rate
3 - 5 month terms
Core $1,000 0.150% 0.150%
Flex/Connect $1,000 0.200% 0.200%
Connect Plus $1,000 0.250% 0.250%
Partner $1,000 0.401% 0.400%
6 - 11 month terms
Core $1,000 0.400% 0.399%
Flex/Connect $1,000 0.450% 0.449%
Connect Plus $1,000 0.500% 0.499%
Partner $1,000 0.651% 0.649%
12 - 23 month terms
Core $1,000 0.600% 0.598%
Flex/Connect $1,000 0.650% 0.648%
Connect Plus $1,000 0.701% 0.698%
Partner $1,000 0.852% 0.848%
24 - 35 month terms
Core $1,000 0.700% 0.698%
Flex/Connect $1,000 0.750% 0.748%
Connect Plus $1,000 0.801% 0.798%
Partner $1,000 0.952% 0.948%
36 - 47 month terms
Core $500 1.150% 1.143%
Flex/Connect $500 1.201% 1.193%
Connect Plus $500 1.251% 1.243%
Partner $500 1.403% 1.393%
48 - 59 month terms
Core $500 1.400% 1.390%
Flex/Connect $500 1.451% 1.440%
Connect Plus $500 1.501% 1.490%
Partner $500 1.654% 1.640%
60 - 72 month terms
Core $500 1.600% 1.587%
Flex/Connect $500 1.651% 1.637%
Connect Plus $500 1.702% 1.687%
Partner $500 1.854% 1.837%

Please Note: Rates below are current AS OF the date posted above and are subject to change without notice. Contact our Call Center at 800.388.2000 or 315.356.3000 to verify thereafter. A penalty may be imposed for early withdrawal of up to 3 months (90 days) worth of dividend for Certificates with a term of 12 months or less and a loss of up to 6 months (180 days) for Certificates with a term of more than 12 months. The minimum balance to earn APY is the same as the minimum opening deposit.

Home Equity

At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! The rates shown here are our very best, available to those with excellent credit. Loan rates are based on each applicant's credit history and may vary from those shown below and are also subject to underwriting guidelines.

Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us.

Please note: rates below are current as of February 3, 2014 and are subject to change without notice. All rates shown as Annual Percentage Rate (APR). 

Payment Example:
A typical loan of $25,000 at 4.75% APR would have 120 monthly payments of $289.19 with total repayment of $34,702.63. (Includes Payment Protection Plan.)

Home Equity Installment Loan

Term APR Amount Security
60 months 2.89% Up to 80% of appraised value, new money only. First Mortgage or Second Mortgage
120 months 3.99% Up to 80% of appraised value, new money only First Mortgage or Second Mortgage
120 months 4.25% Up to 80% of appraised value, first mortgage only. First Mortgage
120 months 4.75% Up to 80% of appraised value, less first mortgage. Second Mortgage
180 months 5.25% Up to 80% of appraised value, less first mortgage. Second Mortgage
180 months 4.25% Up to 80% of appraised value, first mortgage only. First Mortgage
240 months 4.75% Up to 80% of appraised value, first mortgage only. First Mortgage
360 months 5.00% Up to 80% of appraised value, first mortgage only. First Mortgage

FreedomQuest Home Equity Line of Credit **

Rate Cap: 15.00%; Rate Floor: 4.5%

Term APR Amount Payment Security
0 Months - 10th Year Prime - 1% Up to 80% of appraised value, less first mortgage Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. Lien on Property
11th - 25th Year Prime - 1% Up to 80% Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00 Lien on Property

Payment Example:
1st 6 mo. if LTV is 80% or less (from day of closing): Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater.
7th mo. to 10th year OR 0 Month to 10th year if LTV is 81% or greater: Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater.
11th to 25th year: Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00

*Prime rate as of 08/30/12 is 3.25% Annual Percentage Rate (APR). Minimum APR is 4.50%. Minimum line of credit is $15,000. Minimum draw at closing is $15,000. Rates can increase or decrease, but not to exceed 15.00% APR. Applications are subject to credit approval. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change. If loan is closed within 3 years, member reimburses closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $3,500.

Home Equity Line of Credit **

Rate Cap: 15.00%; Rate Floor: 4.50%

Term APR Amount Payment Security
1st 6 Months (from date of closing) 1.99% APR (otherwise 4.50% APR). No relationship discount pricing. Up to 80% of appraised value, less first mortgage Interest only. Member Makes payment on the interest due (+ insurance, if applicable) on the amount they have used. Lien on Property
7th Months - 10th Year 0 Months - 10th Year Prime + 0% Prime + 1% Prime + 2% (adjust monthly) Up to 80% 81-90% 91-100% Interest only. Member makes payment on the interest due (+ insurance, If applicable) on the amount used. Lien on Property
11th -25th years Prime + 0% Prime + 1% Prime + 2% (adjust monthly) Up to 80% 81-90% 91-100% The balance will be amortized over 15 years. The payment will be the principal and interest payment due (+ insurance, if applicable). Minimum payment $100. Lien on Property

** Product not eligible for MemberPlus relationship pricing.

Mortgages

Please note: rates below are current as of April 11, 2014 and are subject to change without notice. 

APR Rate Monthly payment per $1000*
30 Year Fixed Rate Conventional 4.397% 4.375% $4.99
15 Year Fixed Rate Conventional 3.415% 3.375% $7.09
7/1 Adjustable Rate (ARM) 3.055% 3.500% $4.49 (30-yr term assumed)
30 Year FHA/VA Fixed Rate 5.121% 4.125% $4.85

For more information on all available mortgage rates or to apply for a mortgage please click here.

Annual Percentage Rate (APR) based on $100,000 loan amount and no prepaid interest.

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 for details.

You are now leaving the AmeriCU website.

By accessing this link, you will be leaving AmeriCU's web site and entering an alternate web site not operated by the credit union. Although AmeriCU has approved this as a reliable partner site, please be advised that AmeriCU is not responsible for the content of the alternate web site. AmeriCU does not represent either the third party or the member if the two enter into a transaction; and the Privacy and security policies may differ from those practiced by the credit union.

Continue to external site. Stay on this page.