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Rates are subject to change. For the most current rates, please call America's Credit Union at (972) 494-5328 or (800) 543-2811.
-($5,000 minimum to open) Penalties for early withdrawal
Certificate of Deposit |
Interest
Rate * |
Annual
Percentage
Yield * |
6 months under $100,000 |
1.98% |
2.00% |
6 months $100,000 + |
1.98% |
2.00% |
12 months under $100,000 |
2.38% |
2.40% |
12 months $100,000 + |
2.38% |
2.40% |
18 months under $100,000 |
2.48% |
2.50% |
18 months $100,000 + |
2.48% |
2.50% |
24 months under $100,00 |
2.58% |
2.60% |
24 months $100,000 + |
2.58% |
2.60% |
36 months under $100,000 |
2.97% |
3.00% |
36 months $100,000 + |
2.97% |
3.00% |
Effective December 23, 2008
* Fees could reduce the earnings.
- ($2,000 Minimum to open) Penalties for early withdrawal
IRA Certificate of Deposit |
Interest
Rate * |
Annual
Percentage
Yield * |
6 months under $100,000 |
1.98% |
2.00% |
6 months $100,000 + |
1.98% |
2.00% |
12 months under $100,000 |
2.38% |
2.40% |
12 months $100,000 + |
2.38% |
2.40% |
18 months under $100,000 |
2.48% |
2.50% |
18 months $100,000 + |
2.48% |
2.50% |
24 months under $100,000 |
2.58% |
2.60% |
24 months $100,000 + |
2.58% |
2.60% |
36 months under $100,000 |
2.97% |
3.00% |
36 months $100,000 + |
2.97% |
3.00% |
Effective December 23, 2008
* Fees could reduce the earnings.
- Minimum to open is $2,500.
Minimum daily balance is $500. $3 monthly fee for dropping below $500.
No more than four checks a month, and no more than three non-check withdrawals per month.
Account
Type |
Interest
Rate* |
Annual
Percentage
Yield* |
Interest
Calculation
Method |
When
Interest
Paid |
Interest
Paid on
Amount Over |
Preferred
Money
Market |
0.20% |
0.20% |
Daily Balance |
Monthly |
$2,000.00 |
Effective March 14, 2008
* Fees could reduce the earnings. Rate/Yield on above account is subject to change daily.
- ($25 Minimum to open)
Interest is calculated using the daily balance method and is paid quarterly.
Account
Type |
Current
Interest
Rate* |
Current
Annual
Percentage
Yield* |
Interest
Paid on
Amounts |
IRA
Deposit
Account |
0.15% |
0.15% |
$200.00 -
$9,999.99 |
IRA
Deposit
Account |
0.25% |
0.25% |
$10,000.00 -
$24,999.99 |
IRA
Deposit
Account |
0.35% |
0.35% |
$25,000.00 -
and above |
Effective December 23, 2008
* Fees could reduce the earnings. Rate/Yield on above account is subject to change daily.
- $25.00 minimum to open
($5 minimum to open Club Accounts) Dividends are calculated using
the daily balance method and are paid quarterly.
Account
Type |
Current
Dividend
Rate * |
Current
Annual
Percentage
Yield * |
Dividends
Paid on
Amounts |
Regular
Savings |
0.15% |
0.15% |
$200.00 -
$9,999.99 |
Regular
Savings |
0.25% |
0.25% |
$10,000.00 -
$24,999.99 |
Regular
Savings |
0.35% |
0.35% |
$25,000.00 -
and above |
JAMMS,
JAMMS Jr. |
0.15% |
0.15% |
$25.00 -
$9,999.99 |
JAMMS,
JAMMS Jr. |
0.25% |
0.25% |
$10,000.00 -
$24,999.99 |
JAMMS,
JAMMS Jr. |
0.35% |
0.35% |
$25,000.00 -
and above |
Special
Savings |
0.15% |
0.15% |
$200.00 -
$9,999.99 |
Special
Savings |
0.25% |
0.25% |
$10,000.00 -
$24,999.99 |
Special
Savings |
0.35% |
0.35% |
$25,000.00 -
and above |
Christmas
Club |
0.10% |
0.10% |
$5.00
and above |
Vacation
Club |
0.10% |
0.10% |
$5.00
and above |
Effective December 23, 2008
* Fees could reduce the earnings. Rate/Yield on above accounts is subject to change daily.
America's Credit Union is backed by strong reserves.
It ranks among the highest capitalized financial institutions in the nation.
This credit union is federally insured by the National Credit Union Administration.
Length of Term |
Annual Percentage Rate
(APR) |
Up to 36 months |
4.85% - 9.50% |
37 to 48 months |
5.15% - 10.50% |
49 to 60 months |
5.40% - 10.99% |
61 - 72 months |
5.65% - 11.50% |
Effective December 31, 2008
Year Model |
Length of Term |
Annual
Percentage Rate
(APR) |
2008 - 2007 |
Up to 48 months |
6.20% - 10.99% |
2008 - 2007 |
49 - 60 months |
6.70% - 11.99% |
2006 - 2005 |
Up to 60 months |
7.20% - 11.99% |
2004 - 2003 |
Up to 48 months |
7.50% - 12.50% |
2002 & Older |
Up to 30 months |
7.90% - 12.75% |
Effective December 31, 2008
- (Fixed Loan Rate)
Up to 12 mo. 3.00% above regular share savings rate. |
13 to 24 mo. 3.50% above regular share savings rate. |
25 to 36 mo. 3.75% above regular share savings rate. |
|
| CD Secured 2.50% over CD rate |
Effective January 23, 2008
Stock-
Secured
Up to |
Annual
Percentage Rate
(APR) |
12 months |
5.99% |
24 months |
6.99% |
36 months |
7.99% |
Effective December 21, 2007
Loan Types |
Annual Percentage Rate
(APR) |
Alternate Used Auto |
16.99% |
Alternate New Auto |
14.99% |
Insurance 10 Months |
14.99% |
Signature - Up to 30 months |
7.99-13.99% |
|
8.99-13.99% |
Visa® |
14.90% |
Visa Gold® |
11.90% |
New Motorcycles |
10.99% |
UCC-1 |
11.99% |
Personal Watercraft |
9.99% |
Utility Trailer |
9.99% |
Effective March 31, 2008
Home Improvement
(FHA Maximum - $25,000)
Up to
|
Interest Rate
|
3 years |
5.50% |
5 years |
5.75% |
10 years |
5.99% |
Effective March 31, 2008
Home Equity
Up to
|
Interest Rate |
5 years |
5.85% |
10 years |
5.99% |
15 years |
6.50% |
Effective March 31, 2008
Mobile Homes
Up to |
Interest Rate |
10 years |
8.99% |
Effective December 21, 2007
- $35,000 Maximum
Unimproved
Property
Up to |
Interest Rate |
10 years |
9.99% |
Effective December 21, 2007
($300,000 - Under)
First Mortgage Real Estate |
Interest Rate |
Points |
5 years fixed or balloon* |
5.50% |
.0 |
10 years fixed or balloon* |
5.75% |
.0 |
15 years fixed or balloon* |
5.99% |
.0 |
Effective March 31, 2008
*Balloon notes may be amortized over 30 years
(over $300,000 to $600,000)
First Mortgage Jumbo Real Estate |
Interest Rate |
Points |
5 years fixed or balloon |
5.875% |
.0 |
10 years fixed or balloon |
5.99% |
.0 |
15 years fixed or balloon |
6.25% |
.0 |
Effective March 31, 2008
* For Real Estate Loan rates over $600,000, please see your America's Credit Union Mortgage Loan Officer.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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