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Rates

Vehicles

Loan Term APR* Model Year
2 Years 2.09% 2010 - NEW
3 Years 2.54% 2010 - NEW
4 Years 3.04% 2010 - NEW
5 Years 3.29% 2010 - NEW
6 Years 3.54% 2013 - NEW
$10,000+ ONLY
7 Years 4.49% NEW
$30,000+ ONLY
3 Years 5.29% 2007 - 2009
4 or 5 Years 6.54% 2007 - 2009
$12,000+ ONLY

Untitled recreational vehicles not to exceed term of 5 years if not new.

Recreational Vehicles

Long Term APR*
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.

Camper & Boats

Loan Term APR* Model Year
2 Years 2.09% 2002 - NEW
3 Years 2.54% 2002 - NEW
4 Years 3.04% 2002 - NEW
5 Years 3.29% 2002 - NEW
6 Years 3.54% 2002 - NEW
7 Years 4.49% $30,000+ ONLY
8 Years 5.49% $30,000+ ONLY
9 Years 6.49% $30,000+ ONLY
10 Years 7.49% $30,000+ ONLY
11 Years 8.49% NEW & $30,000+ ONLY
12 Years 9.49% NEW & $30,000+ ONLY

Personal Loans

Loan Term APR* Loan Amount
2 Years 12.99% Up to $2,400
3 Years 12.99% Up to $3,600
4 Years 12.99% Up to $5,000
5 Years 13.99% Up to $10,000†

Credit Card

APR* Credit Limit*
10.90% $15,000

Overdraft Line of Credit

APR* Credit Limit*
13.90% Subject to approval

Loan Rates Calculator

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

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

Introductory Variable Rates

Loan Term 10% Down 20% Down
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%

Fixed Residential Rates

Loan Term 10% Down 20% Down
10 Years 6.30% 5.30%
15 Years 6.40% 5.40%
20 Years 6.50% 5.50%
30 Years 6.64% 5.64%

Flex Mortgage Rates

Loan Term APR* Payback
3 Year Lock 4.00% 0.75%

Fixed Rate – New

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

Fixed Rate – Used

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

Variable Rates

Loan Type APR* Payback
Home Equity Zero 4.25% 1.00%
Home Equity I 5.00% 1.50%
Home Equity V 5.25% 1.00%

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 Share Savings 0.25% 0.25%
Custom Select Savings 0.25% 0.25%
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 APR*
6 Months 0.45% 0.45%
1 Year 0.65% 0.65%
18 Months 0.70% 0.70%
2 Years 1.00% 1.01%
3 Years 1.30% 1.31%
4 Years 1.50% 1.51%
5 Years 2.00% 2.02%
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

Share (Savings) & Share Draft (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
Stop Payment $10 per item

*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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