Loan Rates & Terms

Last Rate Change Effective: 09/30/2013
Note: Rates Are Subject To Change Without Notice.

Fixed Term Loans ( Closed-End Loans)
Loan Type
Amount
APR*
Fixed Term Of Repayment

Signature

Up to $12,500.00

5.99-11.99
36 Months
6.49-12.99
48 Months
6.99-13.99
60 Months
Debt Consolidation

Up to $12,500.00

13.5%
60 Months
12.5%
48 Months
Home Improvement

Computer

Up to $7,500
Not to exceed invoiced purchase price.

11.0%
36 Months
Education
Share

Up to the amount on deposit in shares

4.13%
60 Months
Share Certificate

Up to the face amount of the certificate

+4%
Certificate Maturity
Christmas Club pay-out date is 1 November
*APR Is The Annual Percentage Rate.
  • The APR (Annual Percentage Rate) listed is the true Truth in Lending APR.
  • The APR will not increase over the term of your loan.
  • ACSFCU does not charge any loan fees which would raise the APR for
    Federal Truth in Lending calculations.
  • The Loans above are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan.
Auto Loans
Loan Type
Down Payment
Without Pre-Approval APR*
With Pre-Approval APR*

New Auto
Purchase Price not to exceed Manufacturer's suggested retail or payoff from another instutution within 90 days of purchase.

0% Down
2.49% To 6.49%**
2.24% To 6.24%**
We will refinance your new car loan purchase with our new car loan rates for up to 90 days after purchase.
*APR Is The Annual Percentage Rate.

When comparing loan rates against your ACSFCU rate

  • always ask about loan fees
  • always ask for the true APR
  • Ask if rates will increase during the loan
  • Your ACS Federal Credit Union does not have hidden or add-on fees.
  • These rates are your true APR ( Federal Truth in Lending Annual Percentage Rate )
  • Your APR will not increase during the term of your loan.
  • These disclosures apply to all of the American Chemical Society FCU Auto Loans
Auto Loans
Loan Type
APR*
Term
Applies To Auto

Used Auto
Loan not to exceed Retail Value according to the NADA Official Used Car Guide or payoff amount from another institution.

.

2.99 - 7.49
72 Months
2012 To 2010
2.99 - 7.49
60 Months
2009 To 2008
2.99 - 7.49
60 Months
2007 Or Older
Credit Score determines the rate and terms offered.
Note: Repayment may be extended if Real Property is used as additional security and if the loan amount is over $5,000.00.

*APR Is The Annual Percentage Rate.
  • Your ACS Federal Credit Union does not have hidden or add-on fees.
  • These rates are your true APR ( Federal Truth in Lending Annual Percentage Rate )
  • Your APR will not increase during the term of your loan.
  • These disclosures apply to all of the American Chemical Society FCU Auto Loans.
Boat Loans
Loan Type
APR*
Term

New & Used
Up to 80 % of retail value with maximum $35,000 loan.

10.5%
60 Months
*APR Is The Annual Percentage Rate.
  • The APR (Annual Percentage Rate) is the true Truth in Lending APR.
  • The APR will not increase over the term of your loan.
  • ACSFCU does not charge any fees which would raise the APR for Federal Truth in Lending calculations.
  • The Boat Loans are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan.
VISA Cards
Loan Type
Limit
APR*

VISA Classic
The Annual Percentage Rate and Monthly Periodic Rate for existing balances and for both new purchases and cash advances is:

Limits From $300 To $10,000
Prime + 7.5% With checking
Prime + 8% Without Checking
VISA Platinum
The Annual Percentage Rate and Monthly Periodic Rate for existing balances and for both new purchases and cash advances is:
Limits From $5,000 To $15,000
Prime +.75% - Prime+4.75%
*APR Is The Annual Percentage Rate.
  • Prime is 3.25% since 12/16/2008
  • No Annual Fees for either account
     
 
QUICK RATES
Signature Loans»
Debt Consolidation Loans»
Home Improvement Loans»
Computer Loans»
Education Loans»
Share Loans»
Share Certificate Loans»
New Auto Loans»
Used Auto Loans»
Boat Loans»

VISA Credit Cards»
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