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APY = Annual Percentage Yield. Rates effective as of 6/1/2023 and subject to change. Fees may reduce earnings.


Healthy Rewards Dividend* Learn More

Balance Minimum Required Opening Deposit Rate APY
$0 - $7,500 $25 2.00% 2.00%
$7,500+ $25 2.00% to 0.2697% 2.00% to 0.27%
All balances if qualifications not met $25 0.01% 0.01%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Healthy Rewards Dividend account each monthly qualification cycle:

  • Have a minimum of 15 debit card purchases using signature-based or PIN based post and settle
  • Enroll in and agree to receive e-Statements
  • Enroll in Online Banking
  • Minimum monthly direct deposit of $500.00
  • Purchases must be $5.00 or greater

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. 

Savings Accounts

Account Rate APY Minimum to Open
Share Savings 0.05% 0.05% $10
Club Account 0.05% 0.05% N/A
Youth Accounts 0.05% 0.05% $10
Teen Accounts 0.05% 0.05% $10

Money Market / IRA Money Market Learn More

Minimum Balance Rate APY
$2,500 0.50% 0.50%
$10,000 1.00% 1.00%
$25,000 1.10% 1.10%
$50,000 1.25% 1.25%

Dividends are compounded monthly for all money market accounts. If balance falls below the $2500 minimum a $10 fee will be assessed and interest will not be earned. IRA Money market accounts with balances below $2500 will earn 0.05% Annual Percentage Yield (APY).

Certificates / IRA Certificates Learn More

Term Minimum Deposit Rate APY
6 Month $1,000 1.24% 1.25%
12 Month $1,000 1.74% 1.75%
18 Month $1,000 1.99% 2.00%
24 Month $1,000 2.33% 2.35%
36 Month $1,000 2.72% 2.75%
48 Month $1,000 3.01% 3.05%
60 Month $1,000 3.20% 3.25%
14 Month** $1k - $99k 3.94% 4.00%
14 Month** $100K 4.34% 4.44%
22 Month** $1k -$99k 2.96% 3.00%
22 Month** $100k 3.45% 3.50%

 

A 90-day penalty of interest applies to the 6 and 12-month Certificates for early withdrawal.  A 180-day penalty of dividends applies to the 18, 22, 24, 36, 48, and 60-month certificates for early withdrawal

*APY is the annual percentage yield in effect 6/1/2023  

** CD is not available as an IRA Certificate of Deposit.

The terms listed are based on the required minimum deposit with all dividends paid quarterly to the certificate. The APY may vary if dividends are paid to any other account.

New Auto Loans 2023-2022 Learn More

Term (New Auto 2023-2022 ) APR (as low as)
Up to 12 Months 4.49%
Up to 24 Months 4.74%
Up to 36 Months 5.24%
Up to 48 Months 5.49%
Up to 60 Months 5.74%
Up to 72 Months 6.24%
Up to 84 Months 6.74%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan office for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month term on a 5.74% vehicle loan, the monthly payment would be about $19.21 per $1,000 borrowed.

Used Auto (Model year 2017-2021) Learn More

Term (Model year 2017-2021) APR (as low as)
Up to 12 Months 4.49%
Up to 24 Months 4.74%
Up to 36 Months 5.49%
Up to 48 Months 5.74%
Up to 60 Months 5.99%
Up to 72 Months 6.49%
Up to 84 Months 6.99%

 

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan office for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month-term on a 5.99% vehicle loan, the monthly payment would be about $19.33 per $1,000 borrowed.

Older Used Auto (Model year 2016-older) Learn More

Term (Model year 2016 & older) APR (as low as)
Up to 12 Months 6.74%
Up to 24 Months 6.74%
Up to 36 Months 6.74%
Up to 48 Months 6.99%
Up to 60 Months N/A
Up to 72 Months N/A

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan office for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 48-month term on a 6.99% vehicle loan, the monthly payment would be $23.94 per $1,000 borrowed.

New Motorcycle (Model year 2018 and newer) Learn More

Term (Model year 2018 and newer) APR (as low as)
Up to 12 Months 5.24%
Up to 24 Months 5.24%
Up to 36 Months 5.49%
Up to 48 Months 5.74%
Up to 60 Months 5.99%
Up to 72 Months 6.54%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan office for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month-term on a 5.99% motorcycle loan, the monthly payment would be about $19.33 per $1,000.00 borrowed.

Used Motorcycle (Model year 2013 - 2017) Learn More

Term (Model year 2011 - 2017) APR (as low as)
Up to 12 Months 6.24%
Up to 24 Months 6.24%
Up to 36 Months 6.49%
Up to 48 Months 6.74%
Up to 60 Months 6.99%
Up to 72 Months 7.54%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan officer for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month term on a 6.74% motorcycle loan, the monthly payment would be about $19.80 per $1,000.00 borrowed.

New Boat & Jet Ski (Model year 2018 and newer) Learn More

Term (Model year 2018 and newer) APR (as low as)
Up to 12 Months 5.24%
Up to 24 Months 5.49%
Up to 36 Months 5.74%
Up to 48 Months 5.99%
Up to 60 Months 6.24%
Up to 72 Months 7.04%
Up to 84 Months 8.04%
Up to 120 Months 9.04%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan office for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month-term on a 6.24% boat loan, the monthly payment would be about $19.44 per $1,000.00 borrowed.

Used Boat & Jet Ski (Model year 2013 - 2017) Learn More

Term (Model year 2012 - 2017) APR (as low as)
Up to 12 Months 5.24%
Up to 24 Months 5.49%
Up to 36 Months 5.74%
Up to 48 Months 6.24%
Up to 60 Months 6.49%
Up to 72 Months 7.04%
Up to 84 Months 8.04%
Up to 120 Months 9.04%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan office for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month-term on a 6.49% boat loan, the monthly payment would be $19.56 per $1,000.00 borrowed.

New RV (Model year 2018 and newer) Learn More

Term (Model year 2018 and newer) APR (as low as)
Up to 12 Months 5.49%
Up to 24 Months 5.74%
Up to 36 Months 5.99%
Up to 48 Months 6.49%
Up to 60 Months 6.74%
Up to 72 Months 7.29%
Up to 84 Months 8.29%
Up to 120 Months 9.29%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan officer for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month-term on a 6.74% RV loan, the monthly payment would be about $19.68 per $1,000.00 borrowed.

Used RV (Model year 2013 - 2017) Learn More

Term (Model year 2013 - 2017) APR (as low as)
Up to 12 Months 6.49%
Up to 24 Months 6.74%
Up to 36 Months 6.99%
Up to 48 Months 7.24%
Up to 60 Months 7.49%
Up to 72 Months 8.29%
Up to 84 Months 9.54%
Up to 120 Months 10.54%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan officer for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month-term on a 7.49% RV loan, the monthly payment would be about $20.03 per $1,000.00 borrowed.

New Snowmobile & ATV (Model year 2018 and newer) Learn More

Term (Model year 2018 and newer) APR (as low as)
Up to 12 Months 6.99%
Up to 24 Months 7.49%
Up to 36 Months 7.74%
Up to 48 Months 7.99%
Up to 60 Months 8.24%
Up to 72 Months 8.79%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan officer for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month-term on a 8.24 % snowmobile loan, the monthly payment would be about $20.39 per $1,000.00 borrowed.

Used Snowmobile & ATV (Model year 2013 - 2017) Learn More

Term (Model year 2013 - 2017) APR (as low as)
Up to 12 Months 7.99%
Up to 24 Months 8.74%
Up to 36 Months 8.74%
Up to 48 Months 8.99%
Up to 60 Months 9.24%
Up to 72 Months 10.04%

 

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan officer for details regarding how your rate is determined. All quoted rates and terms are subject to change. Payment example: Assuming a 60-month term on a 9.24% snowmobile loan, the monthly payment would be about $20.88 per $1,000.00 borrowed.

Signature Loans Learn More

Term APR (as low as)
Up to 12 Months 6.75%
Up to 24 Months 10.25%
Up to 36 Months 11.00%
Up to 48 Months 11.50%
Up to 60 Months 12.25%

APR is Annual Percentage Rate. Your annual percentage rate may vary based upon your credit worthiness. Please ask a loan office for details regarding how your rate is determined. All quoted rates and terms are subject to change.

Other Loans

Loan Terms APR (as low as)
Share Secured Loans Up to 60 months 2.99%
Certificate Secured Loans Length of term may vary 2.00% greater than the face rate on the collateralized certificate
Line of Credit Loans Revolving Credit line for up to $5,000.1 13.00% Fixed Rate
Visa Signature Rewards Up to $25,000 15.99%2
Visa Premier Up to $25,000 13.99%3

APR is the Annual Percentage Rate. Your annual percentage rate may vary based on your creditworthiness. Please ask a loan officer for details regarding how your rate is determined. All quoted rates and terms are subject to change.

1 Use as overdraft protection on all AHCU Checking Accounts or have the ability to write yourself a temporary loan at any time. You only pay interest on the amount you borrowed at the current APR. Min. draw is $100 and the payment is 5% of the loan balance.

2 AHCU VISA Signature Rewards Variable APR (Annual Percentage Rate) ranges from 15.99% - 17.99% dependent on creditworthiness. APR is Variable with market-based on Prime Rate. No Annual Fee. Click here for disclosure.

3 AHCU Visa Premier Variable APR (Annual Percentage Rate) ranges from 13.99% - 17.99% dependent on creditworthiness. No Annual Fee. Click here for disclosure.

Home Equity Loans Learn More

Type Terms APR
Fixed Rate5 - Up to 80% LTV 5 year As low as 6.00%
Fixed Rate5 - Up to 80% LTV 10 year As low as 6.25%
Fixed Rate5 - Up to 80% LTV 15 year As low as 6.50%
Fixed Rate5 - 81-100% LTV (appraisal required) 5 year As low as 7.00%
Fixed Rate5 - 81-100% LTV (appraisal required) 10 year As low as 7.50%
Fixed Rate5 - 81-100% LTV (appraisal required) 15 year As low as 8.00%
Line of Credit5, 6 Up to 80% LTV; Up to 15 years; Min $10,000 - Max $250,000 8.50% (Prime plus 0.25%)
Line of Credit5, 6 81-100% LTV; Up to 15 years; Min $10,000 - Max $250,000 10.00% (Prime plus 1.75%)
First Mortgage Home Equity5 Up to 80% LTV; Min $10,000 - Max $250,000 At the time of application, the interest rate will be quoted from CU Mortgage 10 Yr fixed rate with a floor limit of 3%

APR is the Annual Percentage Rate. Your annual percentage rate may vary based on your credit worthiness. Please ask a loan officer for details regarding how your rate is determined. All quoted rates and terms are subject to change.

5 Closing costs may vary dependent on the loan amount and individual terms of the Home Equity Loan. Larger amounts are available to qualified borrowers.

6 Variable rates are based on prime as published in the Wall Street Journal. Rates are subject to change monthly with a floor of 4% and will not exceed a cap of 12%.

Home Mortgage Loans

Please contact us at 651.383.4000 for current rates.