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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 10/1/2024.

Dividend Checking Rates

Balance Rate APY*
$0 - $15,000 1.98% 2.00%
$15,000+ 1.98% to 0.27% 2.00% to 0.27%

The Minimum Required opening balance for all Dividend-Earning Checking Accounts is $25.

*APY = Annual Percentage Yield.
Must have a minimum of 20 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. Earnings fall to 0.01% if these qualifications not met.

More Checking Details

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 1.98% 2.00%
$50,000 2.72% 2.75%
$100,000 2.96% 3.00%
$200,000 2.96% 3.00%

- Dividends are compounded monthly for all money market accounts.
- Money Market accounts below $2,500 are assessed a $10 monthly fee and interest is not earned.
- All Money Market accounts with balances below $2,500 will earn 0.05% APY*.
*APY = Annual Percentage Yield.

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 3.20% 3.25%
36 Month 3.20% 3.25%
48 Month 3.20% 3.25%
60 Month 3.20% 3.25%
7-Month Special**
$5000 Minimum Deposit
4.41% 4.50%
12-Month Student
$250 Minimum Deposit
2.96% 3.00%

The Minimum Balance required to open a regular Certificate is $1,000.

*APY = Annual Percentage Yield.
** At least 50% of the CD investment needs to be from New Money (funds not on deposit at AHCU). If new money is less than 50%: 7 month CD APY will be 4.00% (3.86% Rate) at the same term. CD will automatically renew to an 12-month CD at current rate at the time.

- A 90-day penalty of dividends applies to the 6 and 12 month certificate for early withdrawal. A 180-day penalty of dividends applies to the 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 10/01/2024 and subject to change. 'As low as' APR rates vary based on collateral, credit worthiness, and term. Please ask a loan officer for details regarding how rate is determined.

New Auto Loans 2024-2023

Term APR* (as low as)
Up to 12 Months 4.74%
Up to 24 Months 4.99%
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 = Annual Percentage Rate.

Used Auto Loans (2022-2016)

Term APR* (as low as)
Up to 12 Months 4.74%
Up to 24 Months 4.99%
Up to 36 Months 5.74%
Up to 48 Months 5.99%
Up to 60 Months 6.74%
Up to 72 Months 7.24%
Up to 84 Months 7.74%

*APR = Annual Percentage Rate.

Older Used Auto Loans (2015-Older)

Term APR* (as low as)
Up to 36 Months 6.99%
Up to 48 Months 7.24%
Up to 60 Months 7.49%

*APR = Annual Percentage Rate.

New Recreation Loans (2024-2018)

Includes new motorcycles, boats, jet skis, snowmobiles, and ATVs.

Term APR* (as low as)
Up to 12 Months 6.74%
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 9.49%

*APR = Annual Percentage Rate.

Used Recreation Loans (2017 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.

New RV Loans (2024 - 2018)

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.

Used RV Loans (2017 - 2014)

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.

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.

Credit Cards

Type Limit APR* (as low as)
VISA Signature Rewards Credit Card Up to $25,000 15.74%1
VISA Premier Credit Card Up to $25,000 13.74%2

*APR = Annual Percentage Rate.

1 AHCU VISA Signature Rewards Variable APR ranges from 15.74% - 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 13.74% - 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%

*APR = Annual Percentage Rate.

Home Equity Rates

Home Equity Line of Credit Loans1

 

Terms APR*
Up to 80% LTV 8.25% (Prime plus 0.25%)
81-100% LTV 9.75% (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) Up to 80% LTV** 6.40%
5 year (Up to 15-year available) 81%-100% LTV** 7.75%

First Position Home Equity Loans

Term Type Amount
Up to 10 Years Up to 75% LTV** $10,000 - $250,000

*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 6.40% APR*
10 Years - As low as 6.75% APR*
15 Years - As low as 7.00% APR*
81-100% LTV
(appraisal required)
5 Years - As low as 7.75% APR*
10 Years - As low as 8.00% APR*
15 Years - As low as 8.50% APR*

LINE OF CREDIT**1

Up to 80% LTV
Up to 15 years;
Min $10,000 - Max $250,000;
8.25% APR* (Prime plus 0.25%)
81-100% LTV
Up to 15 years;
Min $10,000 - Max $250,000;
9.75% APR* (Prime plus 1.75%)

FIRST MORTGAGE HOME EQUITY**

Up to 80% LTV
Min $10,000 - Max $250,000
At the time of application, the interest rate will be quoted from Servion 10 Yr fixed rate with a floor limit of 3%

*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.