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AHCU

APY = Annual Percentage Yield. Rates effective as of 8/1/2019 and subject to change. Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $25 2.96% 3.00%
$10,000+ $25 0.09995% 3.00% to 0.36%
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 Kasasa Cash account each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatement notice
  • Be enrolled in and log into online banking

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. Plus, you can get back to earning really high dividends and nationwide ATM fee refunds the very next month.

Savings Accounts

Account Rate APY Minimum to Open
Share Savings 0.10% 0.10% $10
Club Savings 0.10% 0.10% n/a
Youth Accounts 0.10% 0.10% $10
Teen Accounts 0.10% 0.10% $10

Money Market / IRA Money Market Learn More

Minimum Balance Rate APY
$2,500 0.25% 0.25%
$10,000 0.30% 0.30%
$20,000 0.35% 0.35%
$50,000 0.40% 0.40%

Dividends are compounded monthly for all money market accounts. If balance falls below the minimum $2500 a $5 fee will be assessed and interest will not be earned. IRA Money market accounts with balances below $2500 will earn the current share savings rate.

Certificates / IRA Certificates Learn More

Term Minimum Deposit Rate APY
6 Month $1,000 0.80% 0.80%
12 Month $1,000 1.49% 1.50%
18 Month $1,000 1.49% 1.50%
24 Month $1,000 1.79% 1.80%
36 Month $1,000 2.33% 2.35%
48 Month $1,000 2.72% 2.75%
60 Month $1,000 2.96% 3.00%

*A 90-day penalty of interest applies to the 6 and 12-month Certificates for early withdrawal. Terms over 1 year subject to a 180-day early withdrawal penalty.

New Auto Loans Learn More

Term (Model year 2014 and newer) APR (as low as)
Up to 12 Months 1.99%
Up to 24 Months 2.49%
Up to 36 Months 2.74%
Up to 48 Months 2.99%
Up to 60 Months 3.24%
Up to 72 Months 3.49%
Up to 84 Months 3.99%

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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000 borrowed.

Used Auto (Model year 2009 - 2013) Learn More

Term (Model year 2009 - 2013)      APR (as low as)
Up to 12 Months 3.24%
Up to 24 Months 3.24%
Up to 36 Months 3.49%
Up to 48 Months 3.74%
Up to 60 Months 3.99%
Up to 72 Months 4.24%

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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000 borrowed.

Used Auto (Model year 2008 & older) Learn More

Term (Model year 2008 & Older)      APR (as low as)
Up to 12 Months 3.99%
Up to 24 Months 3.99%
Up to 36 Months 4.24%
Up to 48 Months 4.49%
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 60-month-term on a 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000 borrowed.

New Motorcycle (Model year 2014 and newer)

Term (Model year 2014 and newer)           APR (as low as)
Up to 12 Months 2.49%
Up to 24 Months 2.49%
Up to 36 Months 2.74%
Up to 48 Months 2.99%
Up to 60 Months 3.24%
Up to 72 Months   3.79%

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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000.00 borrowed.

Used Motorcycle (Model year 2009 - 2013)

Term (Model year 2009 - 2013)                APR (as low as)
Up to 12 Months 3.49%
Up to 24 Months 3.49%
Up to 36 Months 3.74%
Up to 48 Months 3.99%
Up to 60 Months 4.24%
Up to 72 Months 4.79%

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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000.00 borrowed.

New Boat & Jet Ski (Model year 2014 and newer)

Term (Model year 2014 and newer) APR (as low as)
Up to 12 Months 2.99%
Up to 24 Months 2.99%
Up to 36 Months 3.24%
Up to 48 Months 3.49%
Up to 60 Months 3.74%
Up to 72 Months 4.54%
Up to 84 Months 5.54%
Up to 120 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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000.00 borrowed.

Used Boat & Jet Ski (Model year 2009 - 2013)

Term (Model year 2009 - 2013) APR (as low as)
Up to 12 Months 2.99%
Up to 24 Months 2.99%
Up to 36 Months 3.24%
Up to 48 Months 3.49%
Up to 60 Months 3.74%
Up to 72 Months 4.54%
Up to 84 Months 5.54%
Up to 120 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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000.00 borrowed.

New RV (Model year 2014 and newer)

Term (Model year 2014 and newer) APR (as low as)
Up to 12 Months 2.99%
Up to 24 Months 2.99%
Up to 36 Months 3.24%
Up to 48 Months 3.49%
Up to 60 Months 3.74%
Up to 72 Months 4.54%
Up to 84 Months 5.54%
Up to 120 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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000.00 borrowed.

Used RV (Model year 2009 - 2013)

Term (Model year 2009 - 2013) APR (as low as)
Up to 12 Months 3.99%
Up to 24 Months 3.99%
Up to 36 Months 4.24%
Up to 48 Months 4.49%
Up to 60 Months 4.74%
Up to 72 Months 5.54%
Up to 84 Months 6.79%
Up to 120 Months 7.79%

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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000.00 borrowed.

New Snowmobile & ATV (Model year 2014 and newer)

Term (Model year 2014 and newer) APR (as low as)
Up to 12 Months 4.49%
Up to 24 Months 4.49%
Up to 36 Months 4.74%
Up to 48 Months 4.99%
Up to 60 Months 5.24%
Up to 72 Months 5.79%

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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000.00 borrowed.

Used Snowmobile & ATV (Model year 2009 - 2013)

Term (Model year 2009 - 2013) APR (as low as)
Up to 12 Months 5.49%
Up to 24 Months 5.74%
Up to 36 Months 5.74%
Up to 48 Months 5.99%
Up to 60 Months 6.24%
Up to 72 Months 7.04%

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 3.24% vehicle loan, the monthly payment would be $18.03 per $1,000.00 borrowed.

Signature Loans Learn More

Term APR (as low as)
Up to 12 Months 4.50%
Up to 24 Months 8.50%
Up to 36 Months 9.25%
Up to 48 Months 9.75%
Up to 60 Months 10.50%

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
Platinum Rewards VISA Up to $25,000 9.74%2
Platinum VISA Up to $25,000 10.99%3

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.

Use as an 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 current APR. Min. draw is $100 and the payment is 5% of the loan balance.

2 AHCU Platinum Rewards Variable APR (Annual Percentage Rate) ranges from 9.74% - 18.00% dependent on creditworthiness. Afterwards APR is Variable with market based on Prime Rate. No Annual Fee. Click here for disclosure.

3 AHCU Platinum fixed APR (Annual Percentage Rate) ranges from 10.99% - 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 3.75%
Fixed Rate5 - Up to 80% LTV 10 year As low as 4.75%
Fixed Rate5 - Up to 80% LTV 15 year As low as 5.50%
Fixed Rate- 81-100% LTV (appraisal required) 5 year As low as 5.00%
Fixed Rate- 81-100% LTV (appraisal required) 10 year As low as 6.00%
Fixed Rate- 81-100% LTV (appraisal required) 15 year As low as 6.75%
Line of Credit5, 6 Up to 80% LTV; Up to 15 years; Min $10,000 - Max $250,000 5.50% (Prime plus 0.25%)
Line of Credit5, 6 81-100% LTV; Up to 15 years; Min $10,000 - Max $250,000 7.00% (Prime plus 1.75%)
First Mortgage Home Equity5 Up to 75% 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 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.

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

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%.