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Rates

Vehicles

Loan Term APR* as low as Model Year
2 Years 2.54% 2011 - New
3 Years 2.99% 2011 - New
4 Years 3.49% 2011 - New
5 Years 3.74% 2011 - New
6 Years 3.99% 2014 - New
$10,000+
7 Years 4.94% New
$30,000+
3 Years 5.74% 2008 - 2010
4 or 5 Years 6.99% 2008 - 2010
$12,000+

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

Recreational Vehicles

Long Term APR* as low as
2 Years 2.09%
3 Years 2.54%
4 Years 3.04%
5 Years 3.29%
6 Years 3.54%

Untitled recreational vehicles not to exceed term of 5 years if not new. Terms of 6 years available on loans $10,000 and over, for new recreational vehicles only.

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

Camper & Boats

Loan Term APR* as low as Model Year
2 Years 2.54% 2003 - New
3 Years 2.99% 2003 - New
4 Years 3.49% 2003 - New
5 Years 3.74% 2003 - New
6 Years 3.99% 2003 - New
7 Years 4.94% $30,000+
8 Years 5.94% $30,000+
9 Years 6.94% $30,000+
10 Years 7.94% $30,000+
11 Years 8.94% New & $30,000+
12 Years 9.94% New & $30,000+

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

Personal Loans

Loan Term APR* as low as Loan Amount
2 Years 12.99% Up to $15,000
3 Years 12.99% Up to $15,000
4 Years 12.99% Up to $15,000
5 Years 12.99% 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

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

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 4.50% 3.50%
3 Year Lock 4.75% 3.75%
5 Year Lock 5.00% 4.00%
7 Year Lock 5.25% 4.25%

* Actual rate determined by credit score

Residential Mortgage—Fixed Rates

Loan Term 10% Down, As Low As* 20% Down, As Low As*
10 Years 6.05% 5.05%
15 Years 6.15% 5.15%
20 Years 6.25% 5.25%
30 Years 6.35% 5.35%

* Actual rate determined by credit score

Flex Mortgage Rates

Loan Term APR* Payback
3 Year Lock 4.50% 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 5.25% 1.00%

Home Equity Line of Credit—Fixed Rates

Loan Type Loan Term 10% Down 20% Down
Home Equity III 5 Years 6.20% 5.20%
Home Equity X 10 Years 6.30% 5.30%
Home Equity XV 15 Years 6.40% 5.40%
Home Equity XX 20 Years 6.50% 5.50%

Savings Account Rates

Account Type Dividend Rate APY*
Prime Savings 0.25% 0.25%
Custom Savings 0.25% 0.25%
Checking 0.10% 0.10%
Monty Moose 0.25% 0.25%
Christmas Club 0.25% 0.25%
Super Saver 0.40% 0.40%
Health Savings - Traditional 0.25% 0.25%
Health Savings - Super Saver 0.35% 0.35%

*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 0.10% 0.10%
Free4ME Checking 0.10% 0.10%

*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 1.30% 1.31%
1 Year 1.50% 1.51%
18 Months 1.55% 1.56%
2 Years 1.85% 1.87%
3 Years 1.95% 1.97%
4 Years 2.15% 2.17%
5 Years 2.50% 2.53%
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 0.40% 0.40%
Roth IRA 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)
Open Account $20 per item
Closed Account $20 per item
Honor Fee/Late Deposit $20 per item
Courtesy Pay $20 per item
Copy of Draft $1 per copy
Auto Transfer due to NSF 6 FREE, then $5 per transfer
Deposited Item Returned
United States $5 per item
Canadian $10 per item
Stop Payment $15 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
Copy of Sales Draft $5
Late Charge (over 30 days) $20
Copy of Statement $1
Returned Check $20
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 $20 per item
Lost Card Reorder Fee $10 per card

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

Check & Gift Card Fees

Money Orders $1 per check
Gift Checks $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 (FREE with Direct Deposit)
Reload Travel Card $3 per reload
Companion Travel Card $2 per card

Electronic Funds Transfer Fees (NEACH)

NSF (Non-Sufficient Funds)
Auto-Withdrawal $20
Closed Account $20

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
Gift Checks $1 per check
Gift Cards $2 per card
Account Reconciliation First time FREE; $20 per hour thereafter
Account Research $20 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)

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