Interest rates | ACFCU | Arlington community federal credit union-沙巴体育APP下载

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Savings rate - The new high interest rate!

  • Savings and checking accounts
    日历 Rate effective: November 1, 2021
    Interest rates on savings and checking accounts
    Account type Annual percentage return (APY) Minimum to earn dividends Minimum account balance
    Account type Share the savings Annual percentage return (APY) .05% Minimum to earn dividends $100 Minimum account balance $5
    Account type Youth account Annual percentage return (APY) .05% Minimum to earn dividends Minimum account balance $5
    Account type Money market savings Annual percentage return (APY) .05% Minimum to earn dividends $0 - $2,499.99 Minimum account balance
    Account type Money market savings Annual percentage return (APY) .15% Minimum to earn dividends $2,500 - $9,999.99 Minimum account balance $2,500
    Account type Money market savings Annual percentage return (APY) .20% Minimum to earn dividends $10,000 - $24,999.99 Minimum account balance $10,000
    Account type Money market savings Annual percentage return (APY) .25% Minimum to earn dividends $25,000 - $74,999.99 Minimum account balance $25,000
    Account type Money market savings Annual percentage return (APY) .25% Minimum to earn dividends $75,000 + Minimum account balance $75,000
    Account type Club Special Account Annual percentage return (APY) .05% Minimum to earn dividends $100 Minimum account balance
    Account type IRA savings Annual percentage return (APY) .50% Minimum to earn dividends Minimum account balance
    Account type Free bonus check Annual percentage return (APY) Do not apply Minimum to earn dividends Do not apply Minimum account balance $0
    Account type Inspection - Regularly Annual percentage return (APY) Minimum to earn dividends Minimum account balance

    A savings account。Expenses may detract from revenue。The yield may change after the account is opened。

    Free Bonus Check: Cash back is calculated based on the total amount of eligible debit card transactions。Account without interest。Get 1% cash back on the first $1,000 transaction。Maximum cash back is $10。If you meet the award criteria, you can refund up to $10 ATM fee。To meet the minimum requirements, trades must be made during the eligibility period and must be liquidated/deposited into the account。It may take one or more banking days for transactions to be posted and settled in your account from the date they occur。Credit card and signature, pin and debit bill payment transactions must be settled by the end of the month。Standard fees will apply if the account is inactive for more than 12 months。Debit card only. There are no overdraft fees for transactions under $30。ACH transactions do not have a $30 grace period before fees are collected。Membership required。Federal insurance is provided by NCUA。

  • Huge stock and IRA certificates
    日历 Rate effective: May 13, 2022
    Jumbo bond interest rate
    术语 Annual percentage return (APY) Minimum to earn dividends Minimum account balance
    术语 6 month jumbo bond Annual percentage return (APY) 0.30% Minimum to earn dividends $100,000 Minimum account balance $100,000
    术语 12 month mega certificate Annual percentage return (APY) 0.55% Minimum to earn dividends $100,000 Minimum account balance $100,000
    术语 24 month jumbo bond Annual percentage return (APY) 2.00% Minimum to earn dividends $100,000 Minimum account balance $100,000

    Output may vary from time to time。

    All certificates。In addition to the specified no-penalty certificate, early withdrawals may be subject to penalties。Expenses may detract from revenue。

    Only for traditional and Roth。

  • Stocks and IRA certificates
    日历 Rate effective: May 13, 2022
    Interest rates on stocks and IRA certificates
    术语 Annual percentage return (APY) Platinum APY Minimum to earn dividends Minimum account balance
    术语 Six-month certificate Annual percentage return (APY) 0.15% Platinum APY 0.25% Minimum to earn dividends $500 Minimum account balance $500
    术语 12 month stock Builder certificate Annual percentage return (APY) 0.35% Platinum APY Do not apply Minimum to earn dividends $25 Minimum account balance $500
    术语 12 month certificate Annual percentage return (APY) 0.35% Platinum APY 0.45% Minimum to earn dividends $500 Minimum account balance $500
    术语 15 month certificate Annual percentage return (APY) 0.55% Platinum APY 0.65% Minimum to earn dividends $500 Minimum account balance $500
    术语 15 month certificate (no penalty1 Annual percentage return (APY) 0.45% Platinum APY 0.55% Minimum to earn dividends $500 Minimum account balance $500
    术语 18 months certificate Annual percentage return (APY) 0.45% Platinum APY 0.55% Minimum to earn dividends $500 Minimum account balance $500
    术语 24 month certificate Annual percentage return (APY) 1.90% Platinum APY 2.00% Minimum to earn dividends $500 Minimum account balance $500
    术语 36 months certificate Annual percentage return (APY) 0.90% Platinum APY 1.00% Minimum to earn dividends $500 Minimum account balance $500
    术语 48 months certificate Annual percentage return (APY) 1.45% Platinum APY 1.55% Minimum to earn dividends $500 Minimum account balance $500
    术语 60 month certificate Annual percentage return (APY) 1.65% Platinum APY 1.75% Minimum to earn dividends $500 Minimum account balance $500

    Output may vary from time to time。

    All certificates。In addition to the specified no-penalty certificate, early withdrawals may be subject to penalties。Expenses may detract from revenue。

    Platinum certificate。APYs above zero.10%。Platinum status is awarded to members who select us as a major financial institution。The Platinum award begins with members who maintain an average total monthly household balance of $50,000 or more。

    Shareholder's Certificate: Deposits may be increased at any time during the validity of the certificate。

    It also applies to traditional, Roth and Coverdell savings accounts。

    1The 15-month certificate has no penalty for withdrawing the balance at any time during the term。Does not meet the requirements of IRA certificate。

Rate of the icon

The loan interest rate

  • mortgage
  • Home equity lines of credit and loans
    日历 Rate effective: April 1, 2022
    Home equity loan rates
    类型 Low APR *。 Loans and Value (LTV) Sample monthly payment of $10,000
    类型 Home equity line of credit ** Low APR *。 3.25% Loans and Value (LTV) 80% Sample monthly payment of $10,000 Do not apply
    类型 Home equity line of credit ** Low APR *。 4.00% Loans and Value (LTV) 85% Sample monthly payment of $10,000 Do not apply
    类型 Home equity line of credit ** Low APR *。 4.25% Loans and Value (LTV) 90% Sample monthly payment of $10,000 Do not apply
    类型 Home equity line of credit ** Low APR *。 4.50% Loans and Value (LTV) 95% Sample monthly payment of $10,000 Do not apply
    类型 Home equity line of credit ** Low APR *。 4.50% Loans and Value (LTV) 100% Sample monthly payment of $10,000 Do not apply
    类型 Equity Loan Express - 10 years term Low APR *。 4.000% Loans and Value (LTV) 80% Sample monthly payment of $10,000 $101
    类型 Equity Loan Express - 10 years term Low APR *。 4.750% Loans and Value (LTV) 90% Sample monthly payment of $10,000 $104
    类型 Equity Loan Express - 10 years term Low APR *。 5.250% Loans and Value (LTV) 100% Sample monthly payment of $10,000 $107
    类型 Equity Loan Express - 15 year term Low APR *。 4.375% Loans and Value (LTV) 80% Sample monthly payment of $10,000 $75
    类型 Equity Loan Express - 15 year term Low APR *。 5.125% Loans and Value (LTV) 90% Sample monthly payment of $10,000 $79
    类型 Equity Loan Express - 15 year term Low APR *。 5.625% Loans and Value (LTV) 100% Sample monthly payment of $10,000 $82
    类型 Equity Loan Express - 20 year term Low APR *。 4.625% Loans and Value (LTV) 80% Sample monthly payment of $10,000 $63
    类型 Equity Loan Express - 20 year term Low APR *。 5.375% Loans and Value (LTV) 90% Sample monthly payment of $10,000 $68
    类型 Equity Loan Express - 20 year term Low APR *。 5.875% Loans and Value (LTV) 100% Sample monthly payment of $10,000 $70

    * APR = annual interest rate。The annual interest rate is variable and changes with quarterly interest rate adjustments。The annual interest rate will not be lower than 3.75% and not more than 18%。Inapplicable circumstances and conditions apply。Interest charges only apply if you use the line。You need property insurance。The offer applies only to owner-occupied single-family residential real estate in Virginia, Maryland and Washington, D.C.。ACFCU must obtain a valid first or second lien on the property, and all owners must sign the document。All payments are first applied to the lower balance。Loan rates are shown as LTVS 80%, 90% and 100%。85% and 95% LTV also have interest rates。

    ** Interest rate floor =3.75% annual interest rate。The highest interest rate is 18.00% annual interest rate。

    All transfer fees will be paid by ACFCU, except for mortgage taxes and recording fees。Transfer fees range from $700 to $1600 for an equity loan based on $10,000。If HELOC closes within 3 years, ACFCU will add any transfer fees paid for members to their outstanding balances。

  • A car loan
    日历 Rate effective: October 20, 2021
    New and used car loan rates
    Type and model year Terms of up to Fixed annual interest rate * as low as A sample monthly payment of $20,000
    Type and model year New and used。2015 and beyond Terms of up to 36个月 Fixed annual interest rate * as low as 1.74% A sample monthly payment of $20,000 $571
    Type and model year New and used。2015 and beyond Terms of up to 60个月 Fixed annual interest rate * as low as 2.24% A sample monthly payment of $20,000 $352
    Type and model year New and used。2015 and beyond Terms of up to 72个月 Fixed annual interest rate * as low as 2.49% A sample monthly payment of $20,000 $299
    Type and model year New and used。2015 and beyond Terms of up to 84个月 Fixed annual interest rate * as low as 3.49% A sample monthly payment of $20,000 $269
    Type and model year New and used。2015 and beyond Terms of up to 96个月 Fixed annual interest rate * as low as 6.24% A sample monthly payment of $20,000 $633 (Minimum loan amount $50,000)
    Type and model year Older cars: 2014 and older Terms of up to 36个月 Fixed annual interest rate * as low as 3.24% A sample monthly payment of $20,000 $583
    Type and model year Older cars: 2014 and older Terms of up to 60个月 Fixed annual interest rate * as low as 3.74% A sample monthly payment of $20,000 $366
    Type and model year Older cars: 2014 and older Terms of up to 72个月 Fixed annual interest rate * as low as 3.99% A sample monthly payment of $20,000 $313
    Type and model year Older cars: 2014 and older Terms of up to 84个月 Fixed annual interest rate * as low as 4.99% A sample monthly payment of $20,000 $283

    *APR = percentage per year。Interest rates are subject to change without notice。Not all applicants qualify for the lowest rates。Depending on the MSRP for new cars and NADA retail prices for used cars, maximum loan-value limits may apply。Normal verification criteria apply。To qualify for the lowest rates, members must qualify for credit。

    † Payment instances may vary due to the inclusion of payment protection in the loan and the first payment due date is not 30 days after the financing。

  • The credit card
    日历 Rate effective: May 17, 2022
    Consumer credit card annual Rate (APR) and fees
    Transaction type 签名 铂金 classic
    Transaction type 购买 签名 低至12.50% APR *。 铂金 低至11.50% APR *。 classic 低至9.75% APR *。
    Transaction type Cash advance 签名 低至12.50% APR *。 铂金 低至11.50% APR *。 classic 低至9.75% APR *。
    Transaction type Balance transfer 签名 低至12.50% APR *。 铂金 低至11.50% APR *。 classic 低至9.75% APR *。
    Transaction type Grace period for repaying the balance of purchases 签名 An average of 25 days 铂金 An average of 25 days classic An average of 25 days
    Transaction type Balance of purchase 签名 Average daily balance (including new purchases 铂金 Average daily balance (including new purchases classic Average daily balance (including new purchases

    Rates and fees apply only to consumer credit cards。Not applicable to business credit cards。Information about fees for these Visa cards® The plan described above is accurate as of May 17, 2022。Here's our latest Credit card agreement.This information is subject to change after this date。To find out what might have changed, call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。

    日历 Rate effective: May 17, 2022
    Consumer credit card features and rewards
    Features and Advantages 签名 铂金 classic
    Features and Advantages 技术 签名 Contactless cards with new card tips and card controls 铂金 Contactless cards with new card tips and card controls classic Contactless cards with new card tips and card controls
    Features and Advantages Line of credit 签名 高达$30,000 铂金 高达$30,000 classic 高达$30,000
    Features and Advantages The cardholder 签名 Single or joint account, authorized user 铂金 Single or joint account。 Authorized users classic Single or joint account。 Authorized users
    Features and Advantages Introductory quotation 签名 Balance transfers made within 90 days of opening an account carry an annual interest rate of 1 for 12 months.99%*。 40,000 points will be awarded for spending 1TP2-3,000 within 90 days of opening an account 铂金 Balance transfer within 90 days of account opening, 1 within 12 months.The interest rate is 99 % per annum。 Spend $1,500 within 90 days of opening an account and get 20,000 credits classic Do not apply
    Features and Advantages Bonus points 签名 Earn 3 points per $1 for travel, dining, groceries, and gas。Earn 1 for every $1 you spend.5分。 铂金 Earn 2 points for every $1 spent on meals, groceries, and gas。Earn 1 point for every $1 you spend on other items。 classic Do not apply
    Features and Advantages Reward options 签名 Cash, travel, merchandise, gift cards, etc。 铂金 Cash, travel, merchandise, gift cards, etc。 classic Do not apply
    Features and Advantages Point of the limit 签名 铂金 classic Do not apply
    Features and Advantages Integral due 签名 5年 铂金 5年 classic Do not apply

    Rates and fees apply only to consumer credit cards。Not applicable to business credit cards。Information about fees for these Visa cards® The plan described above is accurate as of May 17, 2022。Here's our latest Credit card agreement.This information is subject to change after this date。To find out what might have changed, call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。

    日历 Rate effective: May 17, 2022
    Consumer credit card fees
    费用 签名 铂金 classic
    费用 年费 签名 铂金 classic
    费用 Account establishment fee 签名 铂金 classic
    费用 Pay in cash in advance 签名 2% No minimum/no maximum 铂金 2% No minimum/no maximum classic 2% No minimum/no maximum
    费用 Late payment fee 签名 $29 铂金 $29 classic $29
    费用 Foreign transaction fee 签名 铂金 1% of the transaction amount classic 1% of the transaction amount

    Rates and fees apply only to consumer credit cards。Not applicable to business credit cards。Information about fees for these Visa cards® The plan described above is accurate as of May 17, 2022。Here's our latest Credit card agreement.This information is subject to change after this date。To find out what might have changed, call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。

  • A personal loan
    日历 Rate effective: May 14, 2021
    Personal and secured loans
    类型 The loan ceiling Deadline to APR * low Sample monthly payment1
    类型 Deposit guarantee The loan ceiling Available savings balance Deadline to Is not the same APR * low Yields + 3% Sample monthly payment1 That's right。
    类型 Certificate of guarantee The loan ceiling Certificate of balance Deadline to The remaining time of the certificate term APR * low 速率+3% Sample monthly payment1 That's right。
    类型 Quick cash2 The loan ceiling $1,000 Deadline to 12个月 APR * low 16.78% Sample monthly payment1 $87换$1,000
    类型 A personal loan The loan ceiling $25,000 Deadline to 48个月 APR * low 6.49% Sample monthly payment1 $166换$7,000
    类型 A personal loan The loan ceiling $50,000 Deadline to 60个月 APR * low 7.49% Sample monthly payment1 $400换$20,000
    类型 Personal credit limit The loan ceiling $25,000 Deadline to rotary APR * low 8.25% Sample monthly payment1 That's right。

    *APR = annual percentage。Interest rates are subject to change without prior notice。The rate takes effect on May 14, 2021。Members who apply online will receive a personal loan of 0.25% annual interest discount。Not all applicants qualify for the lowest rate。To qualify for the lowest rates, members must qualify for credit standards and apply online。The minimum loan amount is $1,000。The maximum loan amount is $25,000。The offer ends on October 31, 2021。

    1Payment examples may be different because of the payment guarantee built into the loan and because the initial payment is not due 30 days after the funds are in place。

    2You must be a member for at least 90 days to qualify for a quick cash loan。All accounts and loans must have been active (not negative or delinquent) for the past 6 months。Direct deposits are not required。However, $1,000 is required for each calendar month for the past two months。Each member can have only one quick cash loan, and only one loan at a time, with a maximum of two loans every 12 months。Current fast cash must have six months of payments before it can be refinanced。Hardship Quick Cash or VHC Quick Cash does not count towards 2 payments per year and does not need to be repaid with the proceeds of the Quick Cash loan。For members who do not currently have quick cash, we will only allow one quick cash loan with a maximum balance of $1,000。Only primary account holders can apply for quick cash。$1,000 quick cash, 8.99% interest rate +$40 finance fee =16.The total annual interest rate is 73%。Monthly payment =$87.44。Payment is based on the first due date within 30 days。Not all members are eligible for deferred payment。Interest will continue to accumulate during the deferred payment period。Deferred payment shall not exceed 45 days。

  • Boat and RV loans
    日历 Rates effective: January 3, 2020
    Boat and RV loan rates
    Model year Terms of up to Fixed annual interest rate * as low as Sample monthly payment of $40,000
    Model year 10 years or newer Terms of up to 96 months (loan line up to $50,000)。 Fixed annual interest rate * as low as 5.50% Sample monthly payment of $40,000 $515
    Model year 10 years or newer Terms of up to 120 months (loan amount up to $150,000)。 Fixed annual interest rate * as low as 6.25% Sample monthly payment of $40,000 $449
    Model year 10 years or newer Terms of up to 144 months (Loan line of $200,000)。 Fixed annual interest rate * as low as 7.25% Sample monthly payment of $40,000 $416

    *APR = percentage per year。Interest rates are subject to change without notice。Not all applicants qualify for the lowest rate。The offer does not apply to existing ACFCU auto loans。新汽车/摩托车最高可获得110%的融资;二手摩托车可获得NADA零售价值。Up to 95% financing is available for new and used boats/trailers。Loans and memberships apply。To qualify for the low rate, members must meet the credit standard qualification and 2 of the following 3 criteria。An active ACFCU checking account with at least $1,000 in direct deposit per month, an active ACFCU Visa® credit card with at least $1,000 in balance, and/or through our auto loan application。 Apply online.

    † Payment instances may vary due to the inclusion of payment protection in the loan and the first payment due date is not 30 days after the financing。

  • Motorcycle loan
    日历 Rate effective: October 20, 2021
    Motorcycle loan interest rate
    Model year Terms of up to Fixed annual interest rate * as low as A sample monthly payment of $20,000
    Model year New and used。2015 and beyond Terms of up to 60个月 Fixed annual interest rate * as low as 4.24% A sample monthly payment of $20,000 $370.49
    Model year New and used。2015 and beyond Terms of up to 60个月 Fixed annual interest rate * as low as 4.49% A sample monthly payment of $20,000 $317.39
    Model year New and used。2015 and beyond Terms of up to 84个月 Fixed annual interest rate * as low as 5.49% A sample monthly payment of $20,000 $287.31(Minimum loan amount of $35,000)

    *APR = percentage per year。Interest rates are subject to change without notice。Not all applicants qualify for the lowest rate。The offer does not apply to existing ACFCU auto loans。新汽车/摩托车最高可获得110%的融资;二手摩托车可获得NADA零售价值。Up to 95% financing is available for new and used boats/trailers。Loans and memberships apply。To qualify for the low rate, members must meet the credit standard qualification and 2 of the following 3 criteria。An active ACFCU checking account with at least $1,000 in direct deposit per month, an active ACFCU Visa® credit card with at least $1,000 in balance, and/or through our auto loan application。 Apply online.

    † Payment instances may vary due to the inclusion of payment protection in the loan and the first payment due date is not 30 days after the financing。

Rate of the icon

Business tax

  • The credit card
    日历 Rate effective: October 15, 2021
    Transaction type Platinum award
    Transaction type 购买 Platinum award Rates as low as 11.00%
    Transaction type Cash advance Platinum award Rates as low as 11.00%
    Transaction type Balance transfer Platinum award Rates as low as 11.00%
    Transaction type Grace period for repaying the balance of purchases Platinum award An average of 25 days
    Transaction type Balance of purchase Platinum award Average daily balance (including new purchases

    Rates and fees apply only to business credit cards。Not applicable to consumer credit cards。Information about fees for these Visa cards® The plan described above is accurate as of October 15, 2021。Here's our latest Credit card agreement。 This information is subject to change after this date。To learn about possible changes, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。

    日历 Rate effective: October 15, 2021
    Business credit card features and rewards
    Features and Advantages Platinum award
    Features and Advantages 技术 Platinum award Contactless cards with EMV chips provide an additional layer of protection against fraud
    Features and Advantages Line of credit Platinum award 高达$50,000
    Features and Advantages The cardholder Platinum award Single or joint account, authorized user
    Features and Advantages Bonus points Platinum award Earn 1 credit per dollar on all purchases
    Features and Advantages Reward options Platinum award Cash, travel, merchandise, gift cards
    Features and Advantages Point of the limit Platinum award
    Features and Advantages Integral due Platinum award 5年

    Rates and fees apply only to business credit cards。Not applicable to consumer credit cards。Information about fees for these Visa cards® The plan described above is accurate as of October 15, 2021。Here's our latest Credit card agreement。 This information is subject to change after this date。To learn about possible changes, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。

    日历 Rate effective: October 15, 2021
    Business credit card fees
    费用 Platinum award
    费用 年费 Platinum award
    费用 Account establishment fee Platinum award
    费用 Pay in cash in advance Platinum award 2%
    费用 Balance transfer fees Platinum award 2%
    费用 Late payment fee Platinum award $29
    费用 Foreign transaction fee Platinum award Up to 1% of the transaction value

    Rates and fees apply only to business credit cards。Not applicable to consumer credit cards。Information about fees for these Visa cards® The plan described above is accurate as of October 15, 2021。Here's our latest Credit card agreement。 This information is subject to change after this date。To learn about possible changes, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。

Why Arlington

As a full service credit union, we are a cooperative organization of members like you, and we know that by working together we can all benefit in our financial journey。

The financial empowerment

We are here to help our members and neighbors achieve their financial goals and live their best lives。

Rewarding experience

We believe that there is nothing more meaningful than serving our members and believing that one good change is worth another。

The good faith is supreme

We not only meet your financial needs, but also promise to be your good neighbor and honest service。