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Vehicles, Tractors & Powersports

Loan Term APR* as low as Model Year
2 to 5 Years 2.99%* 2016 - New
2 to 5 Years 3.99%* 2013 - 2015
6 Years 3.25%* 2016 - New
$10,000+ Only
6 Years 4.25%* 2013 - 2015
$10,000+ Only
7 Years 3.25%* 2016 - New
$10,000+ Only
Tractors only
3 Years 		5.49%* 2010 - 2012
Tractors only
4 to 5 Years 		6.74%* 2010 - 2012
$12,000+ Only
Tractors only
85 months - 10 years 		6.00%* New
$30,000+ Only

Untitled recreational vehicles not to exceed term of 5 years if not new.
* Annual Percentage Rate
* All loans subject to approval
* APR determined by credit score
* Rates depicted based on A+ credit

Camper, Boats & RVs

Loan Term APR* as low as Model Year
2 to 5 Years 2.99% 2016 - New
2 to 5 Years 3.99% 2004 - 2015
6 Years 3.25% 2016 - New
6 Years 4.25% 2004 - 2015
7 Years 3.25% 2016 - New
$10,000+ only
7 Years 4.25% 2004 - 2015
$10,000+ only
85 months to 10 Years 6.00% 2016 - New
$30,000+ only
85 months to 10 Years 7.00% 2004 - 2015
$30,000+ only
11 to 12 Years 7.94% New only
$30,000+ only

* Annual Percentage Rate
* All loans subject to approval
* APR determined by credit score
* Rates depicted based on A+ credit
* 100% NADA max for used

Personal Loans

Loan Term APR* as low as Loan Amount
2 Years 10.90% Up to $15,000
3 Years 10.90% Up to $15,000
4 Years 10.90% Up to $15,000
5 Years 10.90% Up to $15,000

* Annual Percentage Rate
* All loans subject to approval
* Borrow up to $15,000 if you have A or B credit; up to $10,000 for C and D credit.
* You must borrow a minimum of $5,000 for a 5-year loan

Promotional & Misc. Loans

Loan Type APR* as low as Term
Heating & Cooling Loans 4.99% 12-Month Fuel / Up to five years for system upgrades*
Christmas Loans 4.99% $2,000 max / Up to 12 months*
Score Saver Loan 4.99% $1,000 / 12-month minimum*

* Annual Percentage Rate
* All loans subject to approval
* APR determined by credit score
* Rates depicted based on A/B credit

Credit Card

APR* as low as Credit Limit*
10.90% $15,000

* Subject to approval
* APR determined by credit score
* Rates depicted based on 'A' credit (maximum APR 15.90%)

Overdraft Line of Credit

APR* Credit Limit*
13.90% Subject to approval

One rate for all risk ratings

* Annual Percentage Rate

We are proud to offer loans throughout northern and eastern Maine. Have a question? Just reach out!

Loan Rates Calculator

Format: 12M, 36M, 3Y, 7Y

  • Monthly Payments $213.97
  • Total Payments $7,702.89
  • # of Payments 36
  • Total Interest $213.97

Adjustable Rate Mortgage (ARM)—Introductory Rates

Loan Term 10% Down, As Low As* 20% Down, As Low As*
1 Year Lock 2.50% 2.25%
3 Year Lock 3.00% 2.75%
5 Year Lock 3.25% 3.00%
7 Year Lock 3.50% 3.25%

* Actual rate determined by credit score

Residential Mortgage—Fixed Rates

Loan Term 10% Down, As Low As* 20% Down, As Low As*
10 Years 3.24% 2.74%
15 Years 3.49% 2.99%
20 Years 5.00% 3.90%
30 Years 5.15% 4.00%

* Actual rate determined by credit score

Flex Mortgage Rates

Loan Term APR* Payback
3 Year Lock 2.75% 0.75%

New Mobile Home—Fixed Rates

Loan Term 10% Down
10 Years 7.85%
15 Years 8.35%
20 Years 8.60%

Used Mobile Home—Fixed Rates

Loan Term 10% Down
5 Years 9.50%
8 Years 9.50%
10 Years 9.00%
15 Years 9.00%

Home Equity Line of Credit—Variable Rates

Loan Type APR* Payback
Home Equity Zero 3.25% 1.00%

Home Equity Loans—Fixed Rates

Loan Type Loan Term 10% Down 20% Down
Home Equity III 5 Years 4.80% 3.70%
Home Equity X 10 Years 4.80% 3.70%
Home Equity XV 15 Years 4.90% 3.80%
Home Equity XX 20 Years 5.00% 3.90%

Savings Account Rates

Account Type Dividend Rate APY*
Prime Savings 0.10% 0.10%
Custom Savings 0.10% 0.10%
Checking 0.05% 0.05%
Monty Moose 0.10% 0.10%
Christmas Club 0.10% 0.10%
Super Saver 0.15% 0.15%
Health Savings Account (HSA) 0.10% 0.10%
HSA Super Saver 0.15% 0.15%

*APY = Annual Percentage Yield. All rates are subject to change without notice.

†When qualification requirements are met

Checking Account Rates

Account Type Dividend Rate APY*
Advantage Checking 0.05% 0.05%
Free4ME Checking 0.05% 0.05%

*APY = Annual Percentage Yield. All rates are subject to change without notice.

†When qualification requirements are met

Share Certificate (CD) Rates

Certificate Term Dividend Rate APY*
6 Months .15% .15%
1 Year .25% .25%
18 Months .35% .35%
2 Years .40% .40%
3 Years .50% .50%
4 Years .60% .60%
5 Years .70% .70%
Jumbo Determined by Management Determined by Management

APY = Annual Percentage Yield. All rates are subject to change without notice.

†When qualification requirements are met

Individual Retirement Account (IRA) Rates

Individual Retirement Account (IRA) Type Dividend Rate APY*
Traditional IRA 0.15% 0.15%
Roth IRA 0.15% 0.15%
Coverdell Educational Savings Account 0.15% 0.15%

*APY = Annual Percentage Yield. All rates are subject to change without notice.

† When qualification requirements are met

Savings & Checking Account Fees

Closing Account within first 180 days $15
NSF (Non-Sufficient Funds)
NSF (Non-Sufficient Funds) $25 per item
Honor Fee/Late Deposit $25 per item
Courtesy Pay $25 per item
Copy of Draft $2 per copy
Deposited Item Returned
United States $10 per item
Canadian $15 per item
Shared Branching Up to $15 per item
Stop Payment $20 per item
Check Printing Varies with design
Free to members 55 and over with direct deposit
Temporary Checks (4 per page) $1 per page

VISA® Credit / Visa ® Debit Card Fees

Credit Cards
Expedited Card Fee Varies
Copy of Sales Draft $5
Late Charge (over 30 days) $20
Copy of Statement $1
Returned Check $25
Debit Cards
Expedited Card Fee Varies
Copy of Sales Draft $5
Credit Union owned & SurF ATMs FREE
Point-of-Sale Transactions FREE
Non-Propietary ATM Transactions*(includes withdrawals, transfers, inquiries, and denials) 2 FREE per month; $1 thereafter
Negative Transactions $25 per item
Lost Card Reorder Fee $10 per card

*Fees may be imposed by the host financial institution/company

Check, Travel, & Gift Card Fees

Money Orders $1 per check
Gift Cards $3 per card
Teller's Check $1 each
Copy of Teller's Check $3 per copy
Home Equity Checks (Reorder) Fee Varies
Travel Cards $5 per card
Reload Travel Card $3 per reload
Companion Travel Card $2 per card

Electronic Funds Transfer Fees (NEACH)

NSF (Non-Sufficient Funds)
Auto-Withdrawal $25 per item
Process loan payment from credit/debit card (another financial institution) $2.50

Miscellaneous Account Fees

Wire Transfers
Domestic $12 each
International $30 each
Checking to Checking (between a Checking Account
at Acadia FCU and another Credit
Union affiliated with TriCorp FCU) 		$12 each
Incoming FREE
Money Orders $1 per check
Teller Checks $1 per check
Gift Cards $3 per card
Account Reconciliation $25 per hour
Account Research $25 per hour
History/Statement Copy $1 per statement
Photocopies 2 pages FREE; $0.25 per page thereafter
Faxes (incoming/outgoing) $0.50 per page
Safety Deposit Boxes Prices vary by size
Drilling of Safety Deposit Boxes $160
Replacement Key for Safety Deposit $20
Night Deposit Bag $10 (refundable)
Zipper Money Bag $3
Notary Public FREE
Signature Guarantee FREE

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