Loan Rate and Information Sheet 
Rates in effect as of December 31, 2015 

3900 Crown Rd  •  Atlanta, GA 30380 
(404) 768-4126  •  (800) 849-8431 
www.apcu.com  •  info@apcu.com 

The information provided below is accurate as of the effective date listed. Loan rates are quoted as an Annual Percentage Rates 
and are subject to change without notice. Additional rates and terms may be available. Rates shown are the lowest available for 
the listed term. All loans are subject to approval of credit. Your actual rate is based upon your credit history. APCU is an Equal 
Opportunity Lender. Please call us at (800) 849-8431 or (404) 768-4126 for more information. 

Description 

Term  

% Above Index 

ANNUAL PERCENTAGE 
RATE (APR)   

New and Used Consumer Secured Loans  
(Autos, boats, recreational vehicles, motorcycles, etc.) 

2010 and newer 

2009 and older 

   ≤ 35 months 
   36 – 59 months 
   60 – 83 months 
   ≥ 84 months 

1.55% – 14.95% 
1.75% – 15.45% 
1.95% – 15.95% 
3.95% – 16.45% 

6.90% – 17.90% 

Payment example: Estimated monthly payments on a 35-month auto loan at 1.55%=$30.00 per $1,000.00 borrowed. 

Personal Loans 

   ≤ 72 months 

6.90% – 17.90% 

Share or Certificate Secured Loans** 

100% of balance on deposit 

2.00% 

* 

Share or Certificate Secured: For Share Secured Loans, the Annual Percentage Rate (APR) will be the dividend rate paid on regular shares the previous quarter 
(Index) plus the percentage shown in the “% Above Index” column above. For Certificate Secured Loans, the APR will be the dividend rate being paid on the 
Certificate offered as security (Index) plus the percentage shown in the “% Above Index” column above. See reverse side for additional information. 

See reverse side for additional disclosure information. 

Revised –December 31, 2015/sl 

 
 
 
 
 
 
 
                                                                                           
 
 
 
             
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
* Share Secured Loans: The APR will be the dividend rate paid on regular 
shares the previous quarter (index) plus the percentage shown in the table 
above under the “% Above Index” column. The rates are subject to change 
quarterly on the 1st day of January, April, July, and October to reflect any 
change in the Index. Any increase in the APR will result in more payments 
of the same amount until what you owe is repaid. 

*Certificate Secured Loans: The APR will be the dividend rate being paid 
on the Certificate offered as security (index) plus the percentage shown in 
the table above under the “% Above Index” column. The Certificate must 
either be renewed until the loan is completely paid or be rolled over into a 
Share account, at which point the loan will become a Share Secured loan 
and be subject to those terms. Failure to renew the Certificate or roll it over 
to a Share Account will result in default under the Plan. When the 
Certificate is renewed, the APR will change to reflect the new dividend rate 
and index. Any increase in the APR will result in more payments of the 
same amount until what you owe is repaid. The present APR and daily 
periodic rate for Certificate Secured loans will be disclosed on the voucher 
at the time the loan is closed. 

Debt Protection Coverage: Debt protection coverage is voluntary and 
not required in order to obtain a loan at Atlanta Postal Credit Union. You 
may select any provider of your choice. The rates listed below contain 
certain terms and exclusions; contact Atlanta Postal Credit Union for 
coverage details. 

Debt Protection Coverage 

Death, Disability, and Involuntary Unemployment 

Cost Per $1000 of Your 
Monthly Loan Balance 
$3.60 (single) - $3.95 (joint)* 

Death and Disability 

$2.95 (single) - $3.40 (joint)* 

Death 

$0.85 (single) - $1.30 (joint)* 

Involuntary Unemployment 

$0.90 (single) 

  *Joint Protection protects Joint Borrower from the Protected Event of Death. 

Coverage Maximums 

Disability 

Life 

Involuntary 
Unemployment 

Max. Monthly Total Disability 
Benefit 
Max Monthly Total Involuntary 
Unemployment Benefit 

$1,000.00* 

N/A 

N/A 

N/A 

N/A 

$1,000.00** 

Max. Benefit per Loan Account 

$15,000.00 

$75,000.00 

$15,000.00 

Max Age for Coverage 

70 

70 

70 

   *Cancels up to 12 Monthly Payments per Protected Event. 
   **Cancels up to 3 Monthly Payments per Protected Event. 

VISA Platinum Interest Rates   
      and Interest Charges 
9.9%, 12.9%, 14.9%, 
16.9% 
9.9%, 12.9%, 14.9%, 16.9% 
When you open your account, based on 
your creditworthiness 
9.9%, 12.9%, 14.9%, 16.9% 
Your due date is at least 25 days after the 
close of each billing cycle. We will not 
charge you any interest on purchases or 
cash advances if you pay your entire 
balance by the due date each month. 

To learn more about factors to consider 
when applying for or using a credit card, 
visit the Web site of the Consumer 
Financial Protection Bureau at 
www.ConsumerFinance.gov/learnmore. 

VISA Platinum Fees 

None 

N/A 
$5.00 
Up to 1% of each transaction in US Dollars 
Up to $10.00 

 Annual Percentage Rate 
  (APR) for Purchases 

APR for Balance Transfers  
APR for Cash Advances 

How to Avoid Paying  
Interest on Purchases 

For Credit card Tips from 
the Consumer Financial 
Protection Bureau 

Annual Fee 
Transaction Fees 

Balance Transfer 
Cash Advance 
Foreign Transaction 
Pay By Phone 

Penalty Fees 

Late Payment  
Over-the-Credit Limit  
Returned Payment  
NSF Convenience Check  

Up to $20.00 
Up to $30.00 if opted into this service 
Up to $15.00 
Up to $15.00 

Other Fees 

Statement Copy  
Rush Card Order  
Card Replacement  

$5.00 
$25.00 
$10.00, after one free replacement per year 

How We Will Calculate Your Balance: We use a method called “average daily 
balance” (including new purchases). 
Billing Error Rights: Information on your rights to dispute transactions and how 
to exercise those rights is also provided in the Visa Platinum Consumer Credit 
Card Agreement. 
The information about the costs of the VISA Credit Cards described above is accurate as of 
January 1, 2016. This information may change after that date. To find out what may have 
changed please call APCU’s VISA Department at (404) 768-4126 or (800) 849-8431 or write 
us at 515 Mulberry Street, Suite 100, Macon, GA 31201-6306. APCU will review your credit 
history, income and other information you provide to determine the maximum credit line 
available for your account and the credit card rate for which you qualify.