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Current Rates - AmeriCU Credit Union
Current Rates
Deposits
Deposits
Please note: Rates below are current as of April 1,2019 and are subject to change without
notice. Disclosures (https://www.fuzeqna.com/americu/ext/kbsearch.aspx?catid=242)
CHECKING ACCOUNTS	Average	Annual	Dividend
FREEDOM CHECKING	Daily Balance	Percentage Yield	Rate
AmeriCU's basic checking product, with no monthly fees, no minimum balance requirements, and no per check charges. PERFORMANCE CHECKING	N/A	N/A	N/A
For higher balance members, this checking option pays dividends compounded and paid monthly, when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $5.00 monthly	N/A	0.30%	0.30%
minimum balance fee.
PRIVILEGED CHECKING
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CHECKING ACCOUNTS	Average	Annual	Dividend
	Daily Balance	Percentage Yield	Rate
AmeriCU's special checking service, for members age 50 and older. There are no minimum balance fees, no per check charges, and members are eligible for discounts on other services. Plus, dividends are earned when you maintain an average daily balance of just $500 or more.	N/A	0.55%	0.55%
IQ CHECKING			
(For members 18-25 years of age) This checking account is designed for our student members getting started in the world of finance. There is no minimum balance required to open this account. Once member turns 26 years of age, the iQ Checking will automatically change to a Freedom Checking.	N/A	N/A	N/A
PRESTIGIOUS CHECKING			
This is a tiered rate checking account. Dividends will be calculated based on the average daily balance. If the average daily balance falls below $5,000 during the dividend period,	$5,000 -$9,999.99	0.55%	0.55%
you will not earn dividends for the period and your account will be assessed a $10.00 minimum balance fee. Direct deposit	$10,000 - $24,999.99	0.55%	0.55%
is required.	$25,000 and up	0.55%	0.55%
HSA CHECKING			
AmeriCU is pleased to offer HSA Checking accounts to qualified individuals who are covered by a High Deductible Health Plan. HSAs are Health Savings Accounts which allow	$25 to $2,499.99	1.25%	1.24%
individuals to use pre-taxed dollars to be withdrawn tax-free	$2,500.00 to $4,999.99	1.25%	1.24%
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expenses at their own discretion.	Average	Annual	Dividend
AmeriCU's HSA Checking offer single and family options.	Daily	Percentage	Rate
Eligible account balances earn dividends, which are compounded and paid monthly.	Balance	Yield	
	$5,000.00 to $9,999.99	1.25%	1.24%
	$10,000.00 to $49,999.99	1.25%	1.24%
	$50,000.00 to $99,999.99	1.25%	1.24%
	$100,000.00 and up	1.25%	1.24%
MONEY MARKET SAVINGS	Average Daily	Annual	Dividend
	Balance	Percentage Yield	Rate
This variable rate savings option pays dividends compounded and paid monthly.	$0.01 - $499.99	0.65%	0.65%
	$500.00 - $999.99	0.65%	0.65%
	$1,000.00 - $2,499.99	0.75%	0.75%
	$2,500.00 - $9,999.99	0.75%	0.75%
	$10,000.00 - $24,999.99	0.80%	0.80%
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MONEY MARKET SAVINGS	Average Daily	Annual	Dividend
	Balance	Percentage Yield	Rate
	$25,000.00 - $49,999.99	0.90%	0.90%
	$50,000.00 - $99,999.99	0.95%	0.95%
	$100,000.00 - $249,999.99	1.00%	1.00%
	$250,000.00 - $999,999.99	1.10%	1.09%
	$1,000,000.00 and up	1.10%	1.09%
SAVINGS	Average Daily	Annual	Dividend
SHARE SAVINGS	Balance	Percentage Yield	Rate
Minimum balance to open account $5.00	$50 - $999.99	0.45%	0.45%
	$1,000 - $2,499.99 0.45%		0.45%
	$2,500.00-$4,999.99 0.70%		0.70%
STARS & STRIPES SHARE SAVINGS	$5,000 and up	0.70%	0.70%
AmeriCU's kids’ savings account, specially designed	$0.01 - $999.99	5.00%	4.89%
for members age 0-12.
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to open account $5.oo.	Average Daily	Annual	Dividend
	Balance	Percentage Yield	Rate
	$1,000 - $2,499.99	0.45%	0.45%
	$2,500.00-$4,999.99	0.70%	0.70%
HOLIDAY & VACATION CLUBS	$5,000 and up	0.70%	0.70%
Structured Savings account for special events.	$50 - $999.99	0.75%	0.75%
	$1,000 - $2,499.99	0.75%	0.75%
	$2,500.00-$4,999.99	0.75%	0.75%
RISING STARS SHARE SAVINGS	$5,000 and up	0.75%	0.75%
AmeriCU's teen savings account, specially designed formembersage 13-17.	$0.01 - $999.99	5.00%	4.89%
Minimum balance to open account $5.00.	$1,000 - $2,499.99	0.45%	0.45%
	$2,500.00-$4,999.99	0.70%	0.70%
HSA SAVINGS	$5,000 and up	0.70%	0.70%
NEW! AmeriCU is pleased to offer HSA Savings accounts to individuals who are covered by a High	$25 to $2,499.99	1.25%	1.24%
Deductible Health Plan. HSAs are Health Savings Accounts which allow the use of pre-taxed dollars to	$2,500.00 to $4,999.99	1.25%	1.24%
be withdrawn tax-free to pay for qualified medical expenses at an individual’s own discretion. AmeriCU's HSA Savings offer single and family options. Eligible	$5,000.00 to $9,999.99	1.25%	1.24%
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g^||q££a/ances earn dividends, which are	Average Daily	Annual	Dividend
compounded and paid monthly.	Balance	Percentage Yield	Rate
	$10,000.00 to $49,999.99	1.25%	1.24%
	$50,000.00 to $99,999.99	1.25%	1.24%
	$100,000.00 and up	1.25%	1.24%
SECURED VISA SAVINGS SHARE ACCOUNTS			
Applicable for our secured VISA product only.	$50 - $999.99	0.45%	0.45%
	$1,000 - $2,499.99	0.45%	0.45%
	$2,500.00-$4,999.99	' 0.70%	0.70%
	$5,000 and up	0.70%	0.70%
IRA SAVINGS ACCOUNTS	Average Daily	Annual	Dividend
TRADITIONAL, TAX-FREE ROTH & COVERDELL	Balance ESAS	Percentage Yield	Rate
Note-These are variable rate savings accounts. Rates	$50 - $999.99	0.70%	0.70%
are subject to change without notice.			
	$l,000-$2,499.99	0.70%	0.70%
	$2,500-$4,999.99	0.70%	0.70%
	$5,000 and up	0.70%	0.70%
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Note: Savings, Money Market and Checking accounts are variable rate accounts. Rates are subject to change without notice. Applicable fees could reduce earnings on the account. The rate may change after the account is opened.
Business Deposits
Business Deposits
Please note: Rates below are current as of April 1, 2019 and are subject to change without notice.
SELECT BUSINESS TIERED MONEY MARKET	ANNUAL PERCENTAGE	DIVIDEND
ACCOUNT	YIELD	RATE
$0.01 - $499.99	0.75%	0.75%
$500.00-$999.999	0.75%	0.75%
$1,000-$2,499.99	0.75%	0.75%
$2,500 - $9,999.99	0.75%	0.75%
$10,000-$24,999.99	0.85%	0.85%
$25,000 - $49,999.99	0.85%	0.85%
$50,000 - $99,999.99	0.90%	0.90%
$100,000-$249,999.99	1.00%	1.00%
$250,000 - $999,999.99	1.04%	1.04%
$1,000,000 and up	1.04%	1.04%
SELECT BUSINESS SAVINGS ACCOUNT ANNUAL PERCENTAGE YIELD DIVIDEND RATE
$50-$999.99	0.75%	0.75%
$l,000-$2,499.99	0.75%	0.75%
$2,500-$4,999.99	0.75%	0.75%
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$5,000 and up	0.75%	075%
SELECT BUSINESS	ANNUAL PERCENTAGE	DIVIDEND	MINIMUM TO
CERTIFICATES	YIELD	RATE	OPEN
32-89 Days Certificate	0.25%	0.25%	$1,000
3-5 Month Certificate	0.75%	0.75%	$1,000
6-11 Months Certificate	1.30%	1.29%	$1,000
12-23 Months Certificate	2.70%	2.66%	$1,000
24-35 Months Certificate	2.85%	2.81%	$1,000
36-47 Months Certificate	2.95%	2.91%	$500
48-59 Months Certificate	3.05%	3.00%	$500
60-72 Months Certificate	3.15%	3.10%	$500
3 Month Jumbo	0.75%	0.75%	$100,000
6 Month Jumbo	1.30%	1.29%	$100,000
12 Month Jumbo	2.70%	2.66%	$100,000
SELECT BUSINESS FREEDOM CHECKING ANNUAL PERCENTAGE YIELD DIVIDEND RATE
No minimum balance	0.50%	0.50%
SELECT BUSINESS VALUE CHECKING	ANNUAL PERCENTAGE YIELD DIVIDEND RATE
Avg. Daily Balance $2,500.00	0.50%	0.50%
SELECT BUSINESS PREMIER CHECKING ANNUAL PERCENTAGE YIELD DIVIDEND RATE
Avg. Daily Balance $5,000-9,999.99	0.60%	0.60%
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Avg. Daily Balance $10,000-24,999.99
0.60%
0.60%
Avg. Daily Balance $25,000 and up
0.60%
0.60%
Loans
Loans
At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! The rates shown here are our very best, available to those with excellent credit. Loan rates are based on each applicant’s credit history and may vary from those shown below.
The rate you receive may vary based on your MemberPlus (https://www.americu.org/spendandsave/member-plus/) Relationship with us.
Please note: rates below are current as of April 1,2019 and are subject to change without notice. The rate you pay will be determined by the amount and term of loan andyourcredit history. All rates shown as Annual Percentage Rate (APR).
NEW VEHICLE LOANS
MODEL YEARS FOR LAST YEAR, CURRENT YEAR, AND NEXT YEAR’S VEHICLES. (MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON TERMS FROM 76-84 MONTHS)
TERM
APR
AMOUNT
Upto 48 Months
as low as 2.49%
Upto 125% of MSRP
49-66 months
as low as 2.69%
Upto 125% of MSRP
67-75 months
as low as 2.74%
Upto 125% of MSRP
76-84 months
as low as 3.24%
Upto 125% of MSRP
Payment Example:
A typical new auto loan of $20,000 at 2.69% APR would have 66 monthly payments of $326.36 each month, with total repayment of $21,53926.
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USED VEHICLE LOANS
MODEL YEARS FOR VEHICLES 2 TO 5 YEARS OLD. PREVIOUSLY TITLED AND REGISTERED. (MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON TERMS FROM 76-84 MONTHS)
TERM	APR	AMOUNT
Up to 48 months	as low as 2.89%	Up to 125% of NADA/SalesPrice-whichever is less
49-66 months	as low as 2.94%	Up to 125% of NADA/SalesPrice-whichever is less
67-75 months	as low as 2.99%	Up to 125% of NADA/SalesPrice-whichever is less
Payment Example:
A typical used auto loan of $15,000 at 2.94% APR would have 66 monthly payments of $246.44 each month, with a total repayment of $16,264.50'.
OLDER USED VEHICLE
MODEL YEARS FOR VEHICLES 6 TO 9 YEARS OLD (MINIMUM $5,000)
TERM	APR	AMOUNT
Up to 48 months as low as 6.75%	Up to 105% NADA/Sales Price-whichever is less
49-66 months	as low as 7.00%	Up to 105% NADA/Sales Price-whichever is less
Payment Example:
A typical used auto loan of $10,000 at 6.75% APR would have 48 monthly payments of $238.32 each, with total repayment of $11,438.90.
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NEW RV AND MARINE LOANS
(2020-2018)
TERM	APR	AMOUNT
up to 66 months	as low as 3.99%	$5,000 +
67 - 84 months	as low as 4.99%	$25,000+
85 -144 months	as low as 5.99%	$50,000+
Payment Example:
A typical New RV or Marine Loan of $25,000 at 4.99% APR would have 84 monthly payments of $353.26 each, with total repayment of $29,673.29.
USED RV AND MARINE LOANS
(2017-2014)
TERM	APR	AMOUNT
up to 66 months	as low as 4.99%	$5,000+
67 - 84 months	as low as 5.99%	$25,000+
85 -144 months	as low as 6.99%	$50,000+
Payment Example: A Typical Used RV or Marine Loan of $25,000 at 5.99% APR would have 84 monthly payments of $365.13 each, with total repayment of $30,670.24.
OLDER USED RV AND MARINE LOANS
(2013-2010 *MAXIMUM 10 YEARS OLD*)
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OLDER USED RV AND MARINE LOANS
(2013-2010 *MAXIMUM 10 YEARS OLD*)
TERM	APR	AMOUNT
up to 66 months	as low as 9.25%	$5,000+
Payment Example:
A Typical Older Used RVor Marine Loan of $5,000 at 9.25% APR would have 66 monthly payments of $96.95 each, with total repayment of $6,398.44.
NEW SNOWMOBILE, ATV, AND JETSKI LOANS
(MODEL YEARS FOR LAST YEAR, CURRENT YEAR, AND NEXT YEAR’S VEHICLES.)
(MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON TERMS
FROM 76-84 MONTHS)
TERM	APR	AMOUNT
Upto 48 months	as low as 4.25%	Up to 125% of MSRP
49-66 months	as low as 4.50%	Up to 125% of MSRP
67-75 months	as low as 5.50%	Up to 125% of MSRP
76-84 months	as low as 6.00%	Up to 125% of MSRP
Payment Example:
A typical new Snowmobile/ATV/Jet Ski loan of $15,000 at 4.50% APR would have 66 monthly payments of $256.99 each, with total repayment of $16,961.33.
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USED SNOWMOBILE, ATV, AND JET SKI LOANS
(MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON TERMS
FROM 76-84 MONTHS)
TERM	APR	AMOUNT
Upto 48 months	as low as 5.25%	Up to 125% of NADA Retail
49-66 months	as low as 5.50%	Up to 125% of NADA Retail
67-75 months	as low as 6.50%	Up to 125% of NADA Retail
76-84 months	as low as 7.00%	Up to 125% of NADA Retail
Payment Example:
A typical used Snowmobile/ATV/Jet Ski loan of $10,000 at 5.50% APR would have 66 monthly payments of $175.94 each, with total repayment of $11,611.86.
NEW MOTORCYCLE LOANS
(MODEL YEARS FOR LAST YEAR, CURRENT YEAR, AND NEXT YEAR’S VEHICLES.)
(MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON TERMS
FROM 76-84 MONTHS)
TERM	APR	AMOUNT
Upto 48 months
as low as 3.25%	Up to 125% of MSRP
49-66 months	as low as 3.50%	Up to 125% of MSRP
67-75 months	as low as 4.50%	Up to 125% of MSRP
76-84 months	as low as 5.00%	Up to 125% of MSRP
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Payment Example:
A typical new Motorcycle loan of $15,000 at 3.50% APR would have 66 monthly payments of $250.20 each, with total repayment of $16,512.76.
USED MOTORCYCLE LOANS
(MINIMUM $5,000 ON TERMS UP TO 75 MONTHS AND MINIMUM $25,000 ON TERMS
FROM 76-84 MONTHS)
TERM	APR	AMOUNT
Upto 48 months	as low as 4.25%	Up to 125% of NADA Retail
49-66 months	as low as 4.50%	Up to 125% of NADA Retail
67-75 months	as low as 5.50%	Up to 125% of NADA Retail
76-84 months	as low as 6.00%	Up to 125% of NADA Retail
Payment Example:
Atypical used Motorcycle loan of $10,000 at 4.50% APR would have 66 monthly payments of $171.34 each, with total repayment of $11,307.91.
SIGNATURE/PERSONAL/UNSECURED LOANS
(INCLUDES LOANS FOR AUTOS MORE THAN 9 YRS OLD, HOME IMPROVEMENT, POOL,
COMPUTER, ATV, JETSKI, FARM EQUIPMENT, ETC.)
TERM	APR	AMOUNT
Up to 24 months	as low as 6.25%	Upto $50,000
25-36 months	as low as 6.50%	Upto $50,000
37-48 months	as low as 6.75%	Upto $50,000
49-60 months	as low as 7.00%	Upto $50,000
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Payment Example: A typical Unsecured Loan of $5,000 at 6.25% APR would have 24 monthly payments of $222.30 each, with total repayment of $5,335.20.
SHARE PLEDGE**
TERM	APR	AMOUNT	SECURITY
Up to 144	4% above share Maximum amount of	Any share account (except checking
months	rate	shares	or IRA)
Payment Example: A typical Share Pledge of $2,000 at 4.70% APR would have 24 monthly payments of $84.48 each with total repayment of $2099.43.
CERTIFICATE PLEDGE**
TERM	APR	AMOUNT	SECURITY
Limited to date of certificate	3% above certificate	$500 up to certificate	Certificate
maturity	rate	amount
Payment Example: A typical Certificate Pledge of $2,000 at 5.81% APR would have 24 monthly payments of $88.48 each with total repayment of $2,123.33.
PERSONAL LINE OF CREDIT
APR
AMOUNT
as low as 10.25%
up to $5,000
** Product not eligible for MemberPlus (https://www.americu.org/spendandsave/member-plus/) relationship pricing.
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Credit Cards
Credit Cards
Please note: rates below are current as of April 1,2019 and are subject to change without notice.
APR for purchases, Annual Late Notes
cash advances and Fee Fee
balance transfers
VISA Signature Rewards	8.98%, 9.98, 11.23%, 13.48% or 15.48%**	NONE	Upto $25.00
	APR based on creditworthiness. This APR will vary with the market according to the Prime Rate.		
VISA Traditional Platinum	8.40%, 9.40%, 10.65%, 12.90% or 14.90%**	NONE	Upto $25.00
	APR based on creditworthiness. This APR will vary with the market according to the Prime Rate.		
Minimum payment is 3% of balance or $25.00 whichever is greater. Credit limits based on ability to repay. Returned payment fee is up to $25. Minimum credit line is $5,000, maximum credit line is $50,000. You will not be charged interest on amounts less than $1.00. If you are charged interest, it will be no less than $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount in U.S. dollars.
Minimum payment is 3% of balance or $25.00 whichever is greater. Credit limits based on ability to repay. Returned payment fee is up to $25. Minimum credit line is $500, Maximum credit line is $30,000. You will not be charged interest on amounts less than $1.00. If you are charged interest, it will be no less than $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount in U.S. dollars.
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	APR for purchases, cash advances and balance transfers	Annual Fee	Late Fee	Notes
MasterCard	12.90% (purchases and balance transfers) 17.90% Cash Advances	NONE	Upto $20.00	Minimum payment is l/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
Secured	15.90% (purchases	NONE	Upto	Minimum payment is l/48th of balance or
VISA Platinum	and balance transfers) 17.90% Cash Advances		$20.00	$10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
*APR = Annual Percentage Rate.
** Your standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cycle. Current rates as of April 1,2019. (See cardholder agreement for complete details.)
Open a secured savings account with AmeriCU for $500+ to get a Secured VISA®. The credit limit on your Secured VISA® = the balance in your Secured Savings Account (in increments of $100 up to $5,000).
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VISA® (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4377)Traditional and
Signature Rewards Agreement (variable) (https://www.fuzeqna.com/americu/ext/kbdetail.aspx? kbid=4377)
VISA® Agreement (non-variable) (http://www.fuzeqna.com/americu/consumer/kbdetail.asp? kbid=3464)
MasterCard® Agreement (http://www.fuzeqna.com/americu/consumer/kbdetail.asp?kbid=3463)
Please note that Credit Cards are not eligible for MemberPlus
(https://www.americu.org/spendandsave/member-plus/) Relationship Pricing.
Share Certificates
Share Certificates
Please note: rates below are current as of April 1,2019 and are subject to change without notice.
Disclosures (https://www.fuzeqna.com/americu/ext/kbsearch.aspx?catid=242)
DEDICATED SAVER SHARE CERTIFICATE	Minimum Annual	Dividend
Balance to Open Percentage Yield Rate
3-12 MONTH CERTIFICATE
Core	$50	0.80%	0.80%
Flex/Connect	$50	0.85%	0.85%
Connect Plus	$50	0.90%	0.90%
Partner	$50	0.95%	0.95%
SHARE CERTIFICATES	Minimum	Annual	Dividend
	Balance to Open	Percentage Yield	Rate
32 - 89 DAY SHARE CERTIFICATE			
Core	$ 1,000	0.25%	0.25%
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SHARE CERTIFICATES	Minimum	Annual	Dividend
	Balance to Open	Percentage Yield	Rate
Flex/Connect	$ 1,000	0.30%	0.30%
Connect Plus	$ 1,000	0.35%	0.35%
Partner	$ 1,000	0.40%	0.40%
3-5 MONTH SHARE CERTIFICATE			
Core	$ 1,000	0.75%	0.75%
Flex/Connect	$ 1,000	0.80%	0.80%
Connect Plus	$ 1,000	0.85%	0.85%
Partner	$ 1,000	0.90%	090%
6-11 MONTH SHARE CERTIFICATE			
Core	$ 1,000	1.30%	1.29%
Flex/Connect	$ 1,000	1.35%	1.34%
Connect Plus	$ 1,000	1.40%	1.39%
Partner	$ 1,000	1.45%	1.44%
12 - 23 MONTH SHARE CERTIFICATE			
Core	$ 1,000	2.70%	2.66%
Flex/Connect	$ 1,000	2.75%	2.71%
Connect Plus	$ 1,000	2.80%	2.76%
Partner	$ 1,000	2.85%	2.81%
24 - 35 MONTH SHARE CERTIFICATE			
Core	$ 1,000	2.85%	2.81%
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SHARE CERTIFICATES	Minimum	Annual	Dividend
	Balance to Open	Percentage Yield	Rate
Flex/Connect	$ 1,000	2.90%	2.86%
Connect Plus	$ 1,000	2.95%	2.91%
Partner	$ 1,000	3.00%	2.96%
36 - 47 MONTH SHARE CERTIFICATE			
Core	$500	2.95%	2.91%
Flex/Connect	$500	3.00%	2.96%
Connect Plus	$500	3.06%	3.01%
Partner	$500	3.11%	3.06%
48 - 59 MONTH SHARE CERTIFICATE			
Core	$500	3.05%	3.00%
Flex/Connect	$500	3.10%	3.05%
Connect Plus	$500	3.15%	3.10%
Partner	$500	3.20%	3.15%
60 - 72 MONTH CERTIFICATE			
Core	$500	3.15%	3.10%
Flex/Connect	$500	3.20%	3.15%
Connect Plus	$500	3.25%	3.20%
Partner	$500	3.30%	3.25%
JUMBO CERTIFICATE (3 MONTH TERM)			
Core	$ 100,000	0.75%	0.75%
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SHARE CERTIFICATES	Minimum	Annual		Dividend
	Balance to Open	Percentage Yield		Rate
Flex/Connect	$ 100,000	0.80%		0.80%
Connect Plus	$ 100,000	0.85%		0.85%
Partner	$ 100,000	0.90%		0.90%
JUMBO CERTIFICATE (6 MONTH TERM)				
Core	$ 100,000	1.30%		1.29%
Flex/Connect	$ 100,000	1.35%		1.34%
Connect Plus	$ 100,000	1.40%		1.39%
Partner	$ 100,000	1.45%		1.44%
JUMBO CERTIFICATE (12 MONTH TERM)				
Core	$ 100,000	2.70%		2.66%
Flex/Connect	$ 100,000	2.75%		2.71%
Connect Plus	$ 100,000	2.80%		2.76%
Partner	$ 100,000	2.85%		2.81%
IRA CERTIFICATE ACCOUNTS		Minimum	Annual	Dividend
		Balance to	Percentage	Rate
TRADITIONAL, TAX-FREE ROTH & COVERDELL		Open	Yield	
ESAS				
3-5 MONTH TERMS				
Core		$1,000	0.65%	0.65%
Flex/Connect		$1,000	0.70%	0.70%
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IRA CERTIFICATE ACCOUNTS TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS	Minimum Balance to Open	Annual Percentage Yield	Dividend Rate
Connect Plus	$1,000	0.75%	0.75%
Partner	$1,000	0.80%	0.80%
6-11 MONTH TERMS			
Core	$1,000	1.01%	1.00%
Flex/Connect	$1,000	1.06%	1.05%
Connect Plus	$1,000	1.11%	1.10%
Partner	$1,000	1.16%	1.15%
12 - 23 MONTH TERMS			
Core	$1,000	2.65%	2.62%
Flex/Connect	$1,000	2.71%	2.67%
Connect Plus	$1,000	2.76%	2.72%
Partner	$1,000	2.81%	2.77%
24 - 35 MONTH TERMS			
Core	$1,000	2.85%	2.81%
Flex/Connect	$1,000	2.90%	2.86%
Connect Plus	$1,000	2.95%	2.91%
Partner	$1,000	3.00%	2.96%
36 - 47 MONTH TERMS
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IRA CERTIFICATE ACCOUNTS TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS	Minimum Balance to Open	Annual Percentage Yield	Dividend Rate
Core	$500	2.95%	2.91%
Flex/Connect	$500	3.00%	2.96%
Connect Plus	$500	3.06%	3.01%
Partner	$500	3.11%	3.06%
48 - 59 MONTH TERMS			
Core	$500	3.00%	2.96%
Flex/Connect	$500	3.06%	3.01%
Connect Plus	$500	3.11%	3.06%
Partner	$500	3.16%	3.11%
60 - 72 MONTH TERMS			
Core	$500	3.05%	3.00%
Flex/Connect	$500	3.10%	3.05%
Connect Plus	$500	3.15%	3.10%
Partner	$500	3.20%	3.15%
Please Note: Rates below are current as of the date posted above and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify thereafter. A penalty may be imposed for accounts with terms of less than 12 months, the amount of early withdrawal penalty for your account is al I accrued dividends up to 90 days’ dividends but not less than seven (7) days’ dividends. For accounts with terms of 12 months or longer, the amountof early withdrawal penalty for your account is all accrued dividends upto 180 days’
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dividends but not less than seven (7) days’ dividends. The minimum balance to earn APY is the same as the minimum opening deposit Rate is based on your MemberPlus (https://www.americu.org/spendandsave/member-plus/) Relationship with AmeriCU.
Home Equity
Home Equity
At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! The rates shown here are our very best, available to those with excellent credit. Loan rates are based on each applicant’s credit history and may vary from those shown below and are also subject to underwriting guidelines. Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus (https://www.americu.org/spendandsave/member-plus/) Relationship with us.
Please note: rates below are current as of April 1,2019 and are subject to change without notice. All rates shown as Annual Percentage Rate (APR).
Payment Example:
1st 6 months if LTV is 80% or less (from day of closing): Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater.7th mo. to 10th year OR 0 Month to 10th year if LTV is 81% or greater: Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater.llth to 25th year: Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00
HOME EQUITY INSTALLMENT LOAN
TERM	APR	AMOUNT	SECURITY	PAYMENT PER $1000
60	as low as	Up to 80% of appraised value, first	First	$18.08
months	3.25%	mortgage only.	Mortgage	
60	as low as	Up to 80% of appraised value, less first	Second	$18.30
months	3.75%	mortgage.	Mortgage	
120	as low as	Up to 80% of appraised value, first	First	$10.01
months	3.75%	mortgage only.	Mortgage	
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HOME EQUITY INSTALLMENT LOAN
120	as low as	Up to 80% of appraised value, less first	Second	$10.36
months	4.50%	mortgage.	Mortgage	
180	as low as	Up to 80% of appraised value, first	First	$7.52
months	4.25%	mortgage only.	Mortgage	
180	as low as	Up to 80% of appraised value, less first	Second	$8.04
months	5.25%	mortgage.	Mortgage	
240	as low as	Up to 80% of appraised value, first	First	$6.46
months	4.75%	mortgage only.	Mortgage	
360	as low as	Up to 80% of appraised value, first	First	$5.52
months	5.25%	mortgage only.	Mortgage	
HOME EQUITY LINE OF CREDIT *
RATE CAP: 15.00%; RATE FLOOR: 2.75%
TERM	APR	AMOUNT	PAYMENT	SECURITY
1st 6	1.99% APR	Upto 80%	Interest only. Member makes payment	Lien on
Months	(otherwise Prime	of appraised	on the interest due (plus insurance, if	Property
(from	+ 0%APR). No	value, less	applicable) on the amount they have	
date of	relationship	first	used.	
closing)	discount pricing.	mortgage		
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HOME EQUITY LINE OF CREDIT *
RATE CAP: 15.00%; RATE FLOOR: 2.75%
7th	Prime + 0%	Upto 80%
Months	Prime +1%	81-90%
- 10th	Prime+ 2% (adjust	91-100%
Year	monthly)	
0
Interest only. Member makes payment Lien on on the interest due (plus insurance, If Property applicable) on the amount used.
Months
- 10th
Year
11th	Prime + 0%	Upto 80%	The balance will be amortized over 15	Lien on
-25th	Prime +1%	81-90%	years. The payment will be the principal	Property
years	Prime+ 2% (adjust	91-100%	and interest payment due (plus	
monthly)
insurance, if applicable). Minimum
payment $100.
*Prime rate as of 1/01/19 is 5.50%. Minimum line of credit is $7,500. Rates can increase or decrease, but not fall below 2.75% APR or exceed 15.00% APR. Applications are subject to credit approval. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change. If loan is closed within 3 years, member reimburses closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1,500. Product not eligible for MemberPlus (https://www.americu.org/spendandsave/member-plus/) relationship pricing.
Mortgages
Mortgages
Please note: rates below are current as of April 1,2019 and are subject to change without notice.
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	Annual Percentage Rate	Rate	Monthly payment per $1000*
30 Year Fixed Rate Conventional	as low as 4.256%	as low as 4.125%	$4.85
15 Year Fixed Rate Conventional	as low as 3.838%	as low as 3.625%	$7.21
7/1 Adjustable Rate (ARM)	as low as 3.577%	as low as 3.375%	$4.42 (30-yrterm assumed)
30 Year FHA/VA Fixed Rate	as low as 4.671%	as low as 4.250%	$4.92
Annual Percentage Rate (APR) based on $100,000 loan amount and no prepaid interest
Mortgage insurance may be required, which could increase your APR.
*Payments do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. (Biweekly payments also available; however, rates and terms may differ from those listed above.) Rates, terms and conditions are subject to change without notice. Consult your Mortgage Officer. The interest rate for your mortgage is set at the time you apply. You must carry property insurance. All loans subject to credit approval. For adjustable rate mortgage (ARM) loans, the APR may increase after consummation, and with each rate change, the payment will also change. For fixed rate loans, the APR will not increase for the term of the loan. Other mortgage options are available. Call 1.800.388.2000 for details.
Terms and Conditions (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4270)
Disclosures (https://www.fuzeqna.com/americu/ext/kbsearch.aspx?catid=242)
Career Center (https://www.americu.org/careers/)
Dealer Resources (https://www.americu.org/dealer-resources/)
Web Accessibility (https://www.americu.org/webaccessibility/)
Sitemap (https://www.americu.org/sitemap/)
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(http://portal.hud.gov/hudportal/HUD/program_offices/fair_housing_equal_opp/FHLaws)
(https://www.ncua.gov/Pages/default.aspx)
(https://www.lookingglasscyber.com/products/threat-intelligence-services/threat-analysis-services/brand-protection-services/lookingglass-protected-site-seal/)
Copyright© AmeriCU Credit Union. All Rights Reserved.
Equal Housing Lender - Federally insured by NCUA - Membership restrictions apply
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