AHCU Rates
AHCU is owned by members, not stockholders. We return profits to you, our member-owners, in the form of better rates and fewer fees.
Savings & Investment Rates
Effective 1/01/2026
Dividend Checking Rates
| Balance | Rate | APY* |
|---|---|---|
| $0 – $5,000 | 4.89% | 5.00% |
| $5,000+ | 0.10% | 0.10% |
The Minimum Required opening balance for all Dividend-Earning Checking Accounts is $100.
*APY = Annual Percentage Yield.
Must have a minimum of 12 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 $1,000.00. Purchases must be $5.00 or greater. Earnings fall to 0.01% if these qualifications not met.
Savings Rates
| Account | Rate | APY* |
|---|---|---|
| Share Savings | 0.05% | 0.05% |
| Club Account | 0.05% | 0.05% |
| Youth Accounts | 0.05% | 0.05% |
| Teen Accounts | 0.05% | 0.05% |
The Minimum Balance required to open a Savings Account (excluding Club Accounts that do not have a minimum balance) is $10.
*APY = Annual Percentage Yield.
Money Market / IRA Money Market Rates
| Minimum | Rate | APY* |
|---|---|---|
| $2,500 | 1.97% | 2.00% |
| $50,000 | 2.22% | 2.25% |
| $100,000 | 2.47% | 2.50% |
| $200,000 | 2.72% | 2.75% |
- Dividends are compounded monthly for all money market accounts
- Non-IRA money market accounts below $2,500 accessed $10.000 fee
- All money market accounts below $2,500 will earn 0.05% APY*
CD / IRA CD Rates
| Term | Rate | APY* |
|---|---|---|
| 6 Month | 2.47% | 2.50% |
| 12 Month | 2.72% | 2.75% |
| 18 Month | 2.96% | 3.00% |
| 24 Month | 2.96% | 3.00% |
| 36 Month | 2.96% | 3.00% |
| 48 Month | 2.96% | 3.00% |
| 60 Month | 3.20% | 3.25% |
|
7 Month Special |
3.92% | 4.00% |
|
7 Month Special |
2.96% | 3.00% |
| 12 Month Student | 2.96% | 3.00% |
The Minimum Balance required to open a regular Certificate is $1,000.
*APY = Annual Percentage Yield.
- A 90-day penalty of dividends applies to the 6 and 12 month certificates for early withdrawal. A 180-day penalty of dividends applies to the 14, 18, 22, 24, 36, 48 and 60 month certificates for early withdrawal.
- 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.
If You Are Already a Member
Current members can simply log into online banking, click (+) add account and then choose the service you need.
Loan Rates
All quoted rates and terms are in effect as of Effective 1/01/2026 and subject to change. ‘As low as’ APR rates vary based on collateral, credit worthiness, and term. Some rates below reflect a 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how our rates are determined and find out how much your relationship with AHCU can save you!
New Auto Loans (2026-2025)
| Term | APR* (as low as) |
|---|---|
| Up to 12 Months | 4.74% |
| Up to 24 Months | 4.74% |
| Up to 36 Months | 4.74% |
| Up to 48 Months | 4.99% |
| Up to 60 Months | 5.24% |
| Up to 72 Months | 5.74% |
| Up to 84 Months | 6.24% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
Used Auto Loans (2024-2018)
| Term | APR* (as low as) |
|---|---|
| Up to 12 Months | 4.74% |
| Up to 24 Months | 4.74% |
| Up to 36 Months | 4.74% |
| Up to 48 Months | 5.24% |
| Up to 60 Months | 5.49% |
| Up to 72 Months | 5.99% |
| Up to 84 Months | 6.49% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
Older Used Auto Loans (2017-Older)
| Term | APR* (as low as) |
|---|---|
| Up to 36 Months | 6.74% |
| Up to 48 Months | 6.99% |
| Up to 60 Months | 7.24% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
New Recreation Loans (2026-2020)
Includes new motorcycles, boats, jet skis, snowmobiles, and ATVs.
| Term | APR* (as low as) |
|---|---|
| Up to 12 Months | 6.74% |
| Up to 24 Months | 6.99% |
| Up to 36 Months | 6.99% |
| Up to 48 Months | 6.99% |
| Up to 60 Months | 6.99% |
| Up to 72 Months | 7.49% |
| Up to 84 Months | 8.49% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
Used Recreation Loans (2019 and Older)
Includes used motorcycles, boats, jet skis, snowmobiles, and ATVs.
| Term | APR* (as low as) |
|---|---|
| Up to 12 Months | 7.49% |
| Up to 24 Months | 8.24% |
| Up to 36 Months | 8.24% |
| Up to 48 Months | 8.49% |
| Up to 60 Months | 8.74% |
| Up to 72 Months | 9.24% |
| Up to 84 Months | 9.74% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
New RV Loans (2026- 2020)
| Term | APR* (as low as) |
|---|---|
| Up to 12 Months | 5.99% |
| 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 | 7.24% |
| Up to 84 Months | 7.74% |
| Up to 120 Months | 8.49% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
Used RV Loans (2019 - 2015)
| Term | 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 | 7.74% |
| Up to 60 Months | 7.99% |
| Up to 72 Months | 8.49% |
| Up to 84 Months | 8.74% |
| Up to 120 Months | 9.49% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
Signature / All Purpose Loans
| Term | APR* (as low as) |
|---|---|
| Up to 12 Months | 8.00% |
| Up to 24 Months | 11.00% |
| Up to 36 Months | 11.75% |
| Up to 48 Months | 12.25% |
| Up to 60 Months | 12.95% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
Credit Cards
| Type | Limit | APR* (as low as) |
|---|---|---|
| VISA Signature Rewards Credit Card | Up to $25,000 | 14.49%1 |
| VISA Premier Credit Card | Up to $25,000 | 12.49%2 |
*APR = Annual Percentage Rate.
1 AHCU VISA Signature Rewards Variable APR ranges from 14.49% - 17.99% dependent on creditworthiness. APR is Variable with market-based on Prime Rate. No Annual Fee. Click here for disclosure.
2 AHCU Visa Premier Variable APR ranges from 12.49% - 17.99% depending on creditworthiness. No Annual Fee. Click here for disclosure.
Other Loan Rates
| Loan | Terms | APR* |
|---|---|---|
| Share Secured Loans | Up to 60 months | 4.99% |
| CD Secured Loans | Term may vary | 4.00%+ Current CD Rate |
| Overdraft Line of Credit Loans | Revolving Credit line for up to $5,000. | 13.00% |
| Scholar Signature Loans | Up to 60 months. Must provide proof of studentship. | as low as 5.00% |
*APR = Annual Percentage Rate.
Home Equity Rates
Home Equity Line of Credit Loans1
| Terms | APR* |
|---|---|
| Up to 80% LTV | 7.00% (Prime plus 0.25%) |
| 81-100% LTV | 8.50% (Prime plus 1.75%) |
1Variable rate based on Prime as published in WSJ. (Min 3.50% and will not exceed a cap of 12%)
Fixed Rate Home Equity Loans
| Term | Type | APR* |
|---|---|---|
| 5 year (Up to 15-year available) | 1st Position, Up to 80% LTV** | 5.50% |
| 5 year (Up to 15-year available) | 81%-100% LTV** | 7.20% |
*APR = Annual Percentage Rate.
** LTV is the loan to value ratio and factor determines daily periodic rate for loans.
Home Equity Rates
FIXED RATE LOANS**
| Up to 80% LTV |
|---|
| 5 Years - As low as 5.50% APR* |
| 10 Years - As low as 5.75% APR* |
| 15 Years - As low as 6.00% APR* |
| 81-100% LTV (appraisal required) |
|---|
| 5 Years - As low as 7.20% APR* |
| 10 Years - As low as 7.50% APR* |
| 15 Years - As low as 8.00% APR* |
LINE OF CREDIT**1
| Up to 80% LTV |
|---|
| Up to 15 years; Min $10,000 - Max $250,000; 7.00% APR* (Prime plus 0.25%) |
| 81-100% LTV |
|---|
| Up to 15 years; Min $10,000 - Max $250,000; 8.50% APR* (Prime plus 1.75%) |
*APR = Annual Percentage Rate.
** Closing costs may vary dependent on the loan amount and individual terms of the Home Equity Loan. Larger amounts are available to qualified borrowers.
1 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%.
If You Are Already a Member
Current members can simply log into online banking, click (+) add account and then choose the service you need.
Home Mortgage Loans
Please contact us at 651.383.4000 for current rates.
