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Vehicles, Tractors & Powersports

Loan Term APR* as low as Model Year
2 to 5 Years
24 to 60 months 		6.49% 2018 - New
2 to 5 Years
24 to 60 months 		7.49% 2015 - 2017
3 Years
36 months 		8.99% 2012 - 2014
4 to 5 Years
48 to 60 months 		10.24% 2012 - 2014
$12,000+ Only
6 Years
72 months 		6.75% 2018 - New
$10,000+ Only
6 Years
72 months 		7.75% 2015 - 2017
$10,000+ Only
7 Years
84 months 		7.00% 2018 - New
$30,000+ Only
Tractors only
3 years
36 months 		8.99% 2012 - 2014
Tractors only
4 or 5 years
48 - 60 months 		10.24% 2012 - 2014
$12,000+ Only
Tractors only
7 years
84 months 		7.00%
2018 - New Tractors
$20,000+ Only
Tractors only
7 years, 1 month - 10 years
85 - 120 months 		9.50% New
$20,000+ 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

Campers, Boats & RVs

Loan Term APR* as low as Model Year
2 to 5 Years
24 to 60 months 		6.49% 2018 - New
2 to 5 Years
24 to 60 months 		7.49% 2006 - 2017
6 Years
72 months 		6.75% 2018 - New
6 Years
72 months 		7.75% 2006- 2017
7 Years
84 months 		7.25% 2018 - New
$10,000+ only
7 Years
84 months 		8.25% 2006 - 2017
$10,000+ only
7 years, 1 month to 10 years
85 - 120 months 		9.50% 2018 - New
$30,000+ only
7 years, 1 month to 10 years
85 - 120 months 		10.50% 2006 - 2017
$30,000+ only
11 to 12 Years
132 - 144 months 		11.44% 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 11.90% Up to $15,000
3 Years 11.90% Up to $15,000
4 Years 11.90% Up to $15,000
5 Years 11.90% 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; must borrow a minimum of $5,000 for a 5-year loan. Advertised rate is for "A" credit - rate determined by credit score.

Promotional Loans

Loan Type APR* as low as Term
Heating & Cooling Loans 6.99% 12-Month Fuel / Up to five years for system upgrades*
Score Saver Loan 7.99% $1,000 / 12-month minimum*
Christmas Loans (Seasonal) 5.99% $2,000 max / Up to 12 months*

* 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

* Annual Percentage rate, subject to approval and determined by credit score
** Credit limit up to $15,000 for A and B credit; up to $10,000 for C and D credit
* 10.90% APR depicted here 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

Miscellaneous Loans

Loan Type APR Term
Share or Club Secured 3% above dividend rate 60-month max
Certificate Secured 3% above Share Certificate rate 60-month max

* All loans subject to approval - restrictions may apply

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

Consumer 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) & Land — Introductory Variable Rates

Loan Term 10% Down, As Low As* 20% Down, As Low As*
1 Year Lock 7.00% 6.00%
3 Year Lock 7.25% 6.25%
5 Year Lock 7.50% 6.50%
7 Year Lock 7.75% 6.75%

* Actual rate determined by credit score
Note: For mobile homes on leased land, please refer to new and used mobile home rates.

Residential Mortgage & Land — Fixed Rates

Loan Term 10% Down, As Low As* 20% Down, As Low As*
10 Years** 8.25% 7.75%
15 Years** 8.75% 8.25%
20 Years 9.50% 9.00%
30 Years 9.75% 9.25%

* Actual rate determined by credit score
** Maximum term on land is 15 years
Note: For mobile homes on leased land, please refer to new and used mobile home rates.

Flex Mortgage Rates

Loan Term APR* Payback
3 Year Lock 7.00% .75%

Note: For mobile homes on leased land, please refer to new and used mobile home rates.

Home Equity Loans—Fixed Rates

Loan Type Loan Term 10% Down 20% Down
Home Equity X 10 Years 8.25% 7.75%
Home Equity XV 15 Years 8.75% 8.25%
Home Equity XX 20 Years 9.50% 9.00%

Home Equity Line of Credit (HELOC)—Variable Rates

Loan Type APR* Payback
Home Equity Zero 8.50% 1.00%

New Mobile Home—Fixed Rates

Loan Term 10% Down
10 Years 10.35%
15 Years 10.90%
20 Years 11.10%

Note: Includes mobile homes on leased land - no real estate.

Used Mobile Home—Fixed Rates

Loan Term 10% Down
5 Years 12.75%
8 Years 12.75%
10 Years 12.25%
15 Years 12.25%

Note: Includes mobile homes on leased land - no real estate.

Savings Account Rates

Account Type Dividend Rate APY*
Prime Savings 0.15% 0.15%
Custom Savings 0.15% 0.15%
Monty Moose 0.15% 0.15%
Christmas Club 0.15% 0.15%
Super Saver Tier I
($1,000 - $99,999.99)
 0.40% 0.40%
Super Saver Tier II
($100,000+)
 2.25% .40% - 2.09%
Acadia Star Money Market Tier 1
($2,500 - $49,999.99)
 1.00% 1.01%
Acadia Star Money Market Tier 2
($50,000 - $99,999.99)
 1.75% 1.01% - 1.39%
Acadia Star Money Market Tier 3
($100,000 - $199,999.99)
 2.25% 1.39% - 1.83%
Acadia Star Money Market Tier 4
($200,000+)
 2.50% 1.83% - 2.39%
Health Savings Account (HSA) 0.15% 0.15%
HSA Super Saver Tier 1
($1,000 - $99,999.99)
 0.40% 0.40%
HSA Super Saver Tier 2
($100,000+)
 2.25% .40% - 2.09%

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

†When qualification and minimum balance requirements are met

**Super Saver, Acadia Star Money Market, and HSA Super Saver accounts are compounded daily and credited monthly. These are "Tiered Rate" accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance in the account, are shown for each tier.

Checking Account Rates

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

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

†When qualification requirements are met

Share Certificate Rates

Certificate Term Dividend Rate APY*
6 Months 2.50% 2.53%
1 Year 5.15% 5.27%
18 Months 5.15% 5.27%
2 Years 5.15% 5.27%
3 Years 4.19% 4.27%
4 Years 4.19% 4.27%
5 Years 4.19% 4.27%

*APY = Annual Percentage Yield.

†All rates are subject to change without notice. Minimum of $1,000 needed to open a 6-month share certificate, $500 needed to open most others. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply.

Individual Retirement Account (IRA) Rates

Individual Retirement Account (IRA) Type Dividend Rate APY*
Traditional IRA 0.40% 0.40%
Roth IRA 0.40% 0.40%
Coverdell Educational Savings Account 0.40% 0.40%
Simplified Employee Pension (SEP) 0.40% 0.40%

*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 Credit Card Statement $2
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

Gift Cards $3 per card
Home Equity Checks (Reorder) Fee Varies
Travel Cards $5 per card
Reload Travel Card $3 per reload
Companion Travel Card $2 per card
Corporate Check $5 per check
Copy of Corporate Check $5 per check

Wire Transfers

Domestic $15 each
International $30 each
Share to Share (between a checking at Acadia FCU and another credit union affiliated with TriCorp FCU) $15 each
Incoming Free

Miscellaneous Account Fees

Account Reconciliation $25 per hour
Account Research $25 per hour
Money Orders (not available at all branches) $2 per check
History / Statement Copy $2 per statement
Safe Deposit Boxes Prices vary by size
Drilling of Safety Deposit Boxes $160
Replacement Key for Safety Deposit $20
Night Deposit Bag $10 (refundable)
Notary Public FREE
Signature Guarantee FREE
Non-member Check Cashing (per check) $5
Dormant account (after one year of inactivity) $5 per month
Account Escheatment (abandoned property) $25 per item
Loan Payment (Non-Acadia FCU Acct. - Credit/Debit) MSR-assisted transaction $10
Loan Payment (Non-Acadia FCU Acct. - Credit/Debit) Self-guided via Web Payment Center $5

*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.

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