APY = Annual Percentage Yield. Rates effective as of 4/1/2024 and subject to change. Fees may reduce earnings.
Dividend Checking Learn More
| Balance | Minimum Required Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $15,000 | $25 | 1.98% | 2.00% |
| $15,000+ | $25 | 1.98% 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 20 debit card purchases using signature-based or PIN based post and settle
- Enroll in and agree to receive e-Statement notifications
- 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 Learn More
| Minimum Balance | Rate | APY |
|---|---|---|
| $2,500 - $49,999 | 1.24% | 1.25% |
| $50,000 - $99,999 | 1.74% | 1.75% |
| $100,000 - $199,999 | 2.23% | 2.25% |
| $200,000+ | 2.48% | 2.50% |
Dividends are compounded monthly for all money market accounts. If balance falls below the $2500 minimum a $10 fee will be assessed. All Money market accounts with balances below $2500 will earn 0.05% Annual Percentage Yield (APY).
IRA Money Market Learn More
| Minimum Balance | Rate | APY |
|---|---|---|
| $2,500 - $49,999 | 1.24% | 1.25% |
| $50,000 - $99,999 | 1.74% | 1.75% |
| $100,000 - $199,999 | 2.23% | 2.25% |
| $200,000+ | 2.48% | 2.50% |
Dividends are compounded monthly for all money market accounts. All Money market accounts with balances below $2500 will earn 0.05% Annual Percentage Yield (APY).
Certificates / IRA Certificates Learn More
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
1 APY is the annual percentage yield in effect 4/1/2024
2 At least 50% of the CD investment must be from New Money (funds not on deposit at AHCU). If new money is less than 50%:
22-month CD APY will be 3.50% (3.44% Rate) at the same term.CD will automatically renew to an 18-month CD at the current rate of the time. Not eligible as an IRA CD.
3 At least 50% of the IRA CD investment must be from New Money (funds not on deposit at AHCU). If new money is less than 50%:
24-month IRA CD APY will be 4.00% (3.93% Rate) at the same term. Not eligible as a CD.
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 2024-2023 Learn More
| Term (New Auto 2024-2023 ) | APR (as low as) |
|---|---|
| Up to 12 Months | 5.74% |
| Up to 24 Months | 5.99% |
| Up to 36 Months | 6.49% |
| Up to 48 Months | 6.74% |
| Up to 60 Months | 6.99% |
| Up to 72 Months | 7.49% |
| Up to 84 Months | 7.99% |
APR is the Annual Percentage Rate. Your annual percentage rate may vary based on your creditworthiness. 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 6.99% vehicle loan, the monthly payment would be about $19.80 per $1,000 borrowed.
Used Auto (Model year 2022-2016) Learn More
| Term (Model year 2022-2016) | APR (as low as) |
|---|---|
| Up to 12 Months | 5.74% |
| Up to 24 Months | 5.99% |
| Up to 36 Months | 6.74% |
| Up to 48 Months | 6.99% |
| Up to 60 Months | 7.24% |
| Up to 72 Months | 7.74% |
| Up to 84 Months | 8.24% |
APR is the Annual Percentage Rate. Your annual percentage rate may vary based on your creditworthiness. 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 7.24% vehicle loan, the monthly payment would be about $19.92 per $1,000 borrowed.
Older Used Auto (Model year 2015-older) Learn More
| Term (Model year 2015 & older) | APR (as low as) |
|---|---|
| Up to 12 Months | 7.74% |
| Up to 24 Months | 7.74% |
| Up to 36 Months | 7.74% |
| Up to 48 Months | 7.99% |
| Up to 60 Months | 8.24% |
| Up to 72 Months | N/A |
APR is the Annual Percentage Rate. Your annual percentage rate may vary based on your creditworthiness. 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 8.24% vehicle loan, the monthly payment would be $20.39 per $1,000 borrowed.
New Rec Loans (Motorcycles/Boats/Jet Skis/Snowmobiles/ ATVs (Model year 2024 - 2018) Learn More
| Term (Model year 2024 -2018) | APR (as low as) |
|---|---|
| Up to 12 Months | 8.24% |
| Up to 24 Months | 8.74% |
| Up to 36 Months | 8.99% |
| Up to 48 Months | 9.24% |
| Up to 60 Months | 9.49% |
| Up to 72 Months | 9.99% |
| Up to 84 Months | 10.99% |
APR is 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. Payment Example: Assuming a 60-month term on a 9.49% recreation loan, the monthly payment would be about $21.00 per $1,000.00 borrowed.
Used Rec Loans (Motorcycles/Boats/Jet Skis/Snowmobiles/ATVs (Model year 2017 and older) Learn More
| Term (Model year 2017-Older) | APR (as low as) |
|---|---|
| Up to 12 Months | 9.24% |
| Up to 24 Months | 9.99% |
| Up to 36 Months | 9.99% |
| Up to 48 Months | 10.24% |
| Up to 60 Months | 10.49% |
| Up to 72 Months | 11.24% |
| Up to 84 Months | 12.24% |
APR is 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. Payment Example: Assuming a 60-month term on a 10.49% recreation loan, the monthly payment would be about $21.49 per $1,000.00 borrowed.
New RV (Model year 2024 - 2019) Learn More
| Term (Model year 2018 and newer) | APR (as low as) |
|---|---|
| Up to 12 Months | 6.99% |
| Up to 24 Months | 7.24% |
| Up to 36 Months | 7.49% |
| Up to 48 Months | 7.99% |
| Up to 60 Months | 8.24% |
| Up to 72 Months | 8.74% |
| Up to 84 Months | 9.74% |
| Up to 120 Months | 10.74% |
APR is 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. Payment Example: Assuming a 60-month term on an 8.24% RV loan, the monthly payment would be about $20.39 per $1,000.00 borrowed.
Used RV (Model year 2018 - 2014) Learn More
| Term (Model year 2018 - 2014) | APR (as low as) |
|---|---|
| Up to 12 Months | 8.24% |
| Up to 24 Months | 8.49% |
| Up to 36 Months | 8.74% |
| Up to 48 Months | 8.99% |
| Up to 60 Months | 9.24% |
| Up to 72 Months | 9.99% |
| Up to 84 Months | 11.24% |
| Up to 120 Months | 12.29% |
APR is 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. Payment Example: Assuming a 60-month term on a 9.24% RV 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 | 8.00% |
| Up to 24 Months | 11.50% |
| Up to 36 Months | 12.25% |
| Up to 48 Months | 12.75% |
| Up to 60 Months | 13.45% |
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 | 4.99% |
| Certificate Secured Loans | Length of term may vary | 4.00% 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 | 16.24%2 |
| Visa Premier | Up to $25,000 | 14.24%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 16.24% - 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 14.24% - 17.99% depending 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 6.90% |
| Fixed Rate5 - Up to 80% LTV | 10 year | As low as 7.25% |
| Fixed Rate5 - Up to 80% LTV | 15 year | As low as 7.50% |
| Fixed Rate5 - 81-100% LTV (appraisal required) | 5 year | As low as 7.75% |
| Fixed Rate5 - 81-100% LTV (appraisal required) | 10 year | As low as 8.00% |
| Fixed Rate5 - 81-100% LTV (appraisal required) | 15 year | As low as 8.50% |
| Line of Credit5, 6 | Up to 80% LTV; Up to 15 years; Min $10,000 - Max $250,000 | 8.75% (Prime plus 0.25%) |
| Line of Credit5, 6 | 81-100% LTV; Up to 15 years; Min $10,000 - Max $250,000 | 10.25% (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.
