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Vehicles, Tractors & Powersports

Loan Term APR* as low as Model Year
2 to 5 Years 3.74%* 2017 - New
2 to 5 Years 4.74%* 2014 - 2016
3 Years 6.24%* 2011 - 2013
3 Years 10.90%* 2007 - 2010
$5,000+ Only
4 to 5 Years 7.49%* 2011 - 2013
$12,000+ Only
6 Years 4.00%* 2017 - New
$10,000+ Only
6 Years 5.00%* 2014 - 2016
$10,000+ Only
7 Years 4.00%* 2017 - New
$30,000+ Only
Tractors only
7 Years
4.00%* 2017 - New
$20,000+ Only
Tractors only
7 years, 1 month (85 mos.) - 10 years
6.75%* 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 3.74% 2017 - New
2 to 5 Years 4.74% 2005 - 2016
6 Years 4.00% 2017 - New
6 Years 5.00% 2005- 2016
7 Years 4.00% 2017 - New
$10,000+ only
7 Years 5.00% 2005 - 2016
$10,000+ only
85 months to 10 Years 6.75% 2017 - New
$30,000+ only
85 months to 10 Years 7.75% 2005 - 2016
$30,000+ only
11 to 12 Years 8.69% 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 5.99%* 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

Adjustable Rate Mortgage (ARM)—Introductory Rates

Loan Term 10% Down, As Low As* 20% Down, As Low As*
1 Year Lock 5.00% 4.00%
3 Year Lock 5.25% 4.25%
5 Year Lock 5.50% 4.50%
7 Year Lock 5.75% 4.75%

* Actual rate determined by credit score

Residential Mortgage—Fixed Rates

Loan Term 10% Down, As Low As* 20% Down, As Low As*
10 Years 4.75% 4.25%
15 Years 4.99% 4.49%
20 Years 6.00% 5.50%
30 Years 6.25% 5.75%

* Actual rate determined by credit score

Flex Mortgage Rates

Loan Term APR* Payback
3 Year Lock 5.00% .75%

Home Equity Loans—Fixed Rates

Loan Type Loan Term 10% Down 20% Down
Home Equity X 10 Years 4.75% 4.25%
Home Equity XV 15 Years 4.99% 4.49%
Home Equity XX 20 Years 6.00% 5.50%

Home Equity Line of Credit (HELOC)—Variable Rates

Loan Type APR* Payback
Home Equity Zero 4.00% 1.00%

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%

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

Electronic Funds Transfer Fees (NEACH)

NSF* (Non-Sufficient Funds) - Auto-Withdrawal $25 per item

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

Wire Transfers

Domestic $12 each
International $30 each
Share to Share (between a checking at Acadia FCU and another credit union affiliated with TriCorp FCU) $12 each
Incoming Free

Miscellaneous Account Fees

Account Reconciliation $25 per hour
Account Research $25 per hour
Money Orders $1 per check
Teller Checks $1 per check
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
Non-member Check Cashing (per check) $5
Loan Payment (Non-Acadia FCU Acct. - Credit/Debit) $2.75

*An NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge. These fees are accurate and effective for accounts as of the date indicated above. If you have questions or require current rate information on your accounts, please contact Acadia FCU.