Rates
Loan Rates
Loan rates effective 03-16-2010.
Loan rates and fees subject to change at any time
Please call American Community Federal Credit Union for an actual
formal quote.
Loan Calculator
|
Use this loan calculator
to help you determine the loan financing amount and payment
options that are best for you.
Just fill out 3 of the 4 fields to obtain the results for
the remaining field. Don't use punctuation when entering
your data, except for the decimal point in the interest
rate field.
These results are approximate and are intended as a decision-making
aid only. The accuracy of the results is not guaranteed
by the Financial Institution.
|
Savings Rates
Rates subject to change without prior notice.
Call for up to the minute detail.
Effective 07/15/2010
APR = Annual Percentage Rate
APY = Annual Percentage Yield
|
Share Certificates |
| |
Minimum
Balance |
APR |
APY |
| 91 days |
$500 |
0.45% |
0.4508% |
|
$10,000 |
0.55 |
0.5511 |
|
$30,000 |
0.57 |
0.5712 |
|
$50,000 |
0.59 |
0.5913 |
|
$100,000 |
0.59 |
0.5913 |
| 6 months |
$500 |
0.50 |
0.5009 |
|
$10,000 |
0.60 |
0.6014 |
|
$30,000 |
0.63 |
0.6315 |
|
$50,000 |
0.65 |
0.6516 |
|
$100,000 |
0.66 |
0.6616 |
| 12 months |
$500 |
0.85 |
0.8527 |
|
$10,000 |
0.90 |
0.9030 |
|
$30,000 |
0.95 |
0.9534 |
|
$50,000 |
0.97 |
0.9735 |
|
$100,000 |
1.00 |
1.0038 |
| 24 months |
$500 |
1.10 |
1.1045 |
|
$10,000 |
1.15 |
1.1550 |
|
$30,000 |
1.25 |
1.2559 |
|
$50,000 |
1.35 |
1.3569 |
|
$100,000 |
1.35 |
1.3569 |
| 36 months |
$500 |
1.50 |
1.5085 |
|
$10,000 |
1.55 |
1.5590 |
|
$30,000 |
1.60 |
1.6096 |
|
$50,000 |
1.65 |
1.6602 |
|
$100,000 |
1.70 |
1.7109 |
| 60 months |
$500 |
2.50 |
2.5236 |
|
$10,000 |
2.55 |
2.5745 |
|
$30,000 |
2.60 |
2.6255 |
|
$50,000 |
2.65 |
2.6765 |
|
$100,000 |
2.65 |
2.6765 |
|
Money Market
|
| Minimum Balance |
APR |
APY |
|
$2,500
|
0.30% |
0.30% |
|
$10,000
|
0.40 |
0.40 |
|
$50,000
|
0.50 |
0.50 |
|
$100,000
|
0.75 |
0.75 |
Disclosure of Account Fees
| Description |
Fee |
| Returned Draft for Nonsufficient funds |
$30.00 |
| Stop Payment |
20.00 |
| Drafts Presented on Closed Accounts |
5.00 |
| Account Research per hour |
20.00 min. |
| Replacement Plastic Cards (Debit or
Credit) |
10.00 |
| Tax Levy |
100.00 |
| Statement Copies |
$2.00 |
| Wire Transfer |
15.00 |
| International Wire Transfer |
40.00 |
| Account Closed Within 60 Days of Opening |
5.00 |
| Account Reinstatement (within 1 year) |
25.00 |
| Early Withdrawal of Christmas Club |
10.00 |
| Dormant Account Fee |
5.00 |
| More Than 5 ATM Uses In 1 Month |
1.00 per use |
| More Than 15 online "hits"
each |
.50 |
| Skip a Month |
$25.00 |
| Replacement Debit PIN Numbers |
$5.00 |
| Credit Union drafts |
$2.00 |
| Printed account status
per page |
$1.00
$2.00 if faxed |
-
Automatic transfers form Shares to Share
Draft are limited to six times per month.
-
Additional transfers will cost $5.00 each
except when done in person.
-
Fees are subject to change.
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