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Loan Rates

Effective May 10, 2014. Rates subject to change without notice. Credit and other conditions apply.
Rates may vary based on individual creditworthiness.

LOAN TYPE
ANNUAL PERCENTAGE RATE
New Car Loans (Current and 1 Year Old Autos):
48 months
2.00% - 11.25%
 
60 months
2.00% - 11.25%
 
66 months 2.75% - 12.25%  
72 months 3.25% - 12.75%  
84 months 3.75% - 13.25%  
Used Car Loans:
48 months
2.25% - 11.75%
 
60 months
2.75% - 12.25%
 
66 months
3.25% - 12.75%
 
72 months
3.75% - 13.25%
 

*Term options vary according to age of vehicle

Boat and RV Loans: Loan amount limits based on MSRP or NADA retail value and determined by creditworthiness of the borrower. See loan limit schedule.
Loan Amount Term Base Rate
Up to $5,000 24 Months 6.25%
$5,001.00 to $7,500.00 36 Months 6.25%
$7,501.00 to $10,000.00 48 Months 6.25%
$10,001.00 to $15,000.00 60 Months 6.25%
$15,001.00 to $20,000.00 72 Months 6.25%
$20,001.00 to $25,000.00 84 Months 6.25%
$25,001.00 to $30,000.00 96 Months 6.25%
Over $30,000 120 Months 6.25%

Terms may be extended by no more than 12 months on new and up to 2 year old boats and campers. However, no term shall exceed 120 months.

*Term options available based upon amount financed

Motorcycle Loans: Loan amount limits based on MSRP or NADA retail value and determined by creditworthiness of the borrower. See loan limit schedule.
Loan Amount Term Base Rate
Up to $5,000 24 Months 6.25%
$5,001.00 to $7,500.00 36 Months 6.25%
$7,501.00 to $10,000.00 48 Months 6.25%
$10,001.00 to $15,000.00 60 Months 6.25%
$15,001.00 to $17,500.00 72 Months 6.75%
Over $17,500 84 Months 7.25%

*Term options available based upon amount financed

ATV's, RTV's, and Personal Watercraft Loans: Loan amount limits based on MSRP or NADA retail value and determined by creditworthiness of the borrower. See loan limit schedule.
New ATVs, RTVs & PWC ATVs, RTVs & PWC
60 Months 7.25% 1 to 2 Years Old 36 Months 7.25%
72 Months* 7.25% 3 to 5 Years Old 24 Months 7.25%
84 Months** 7.25% 6 Years & Older 18 Months 7.25%

*Term options vary according to age of collateral

Other Collateral:
Loan Amount Term Base Rate Used Rate
Up to $1,000 12 Months 7.00% 8.00%
$1,001 - $2,500 24 Months 7.00% 8.00%
$2,501 - $4,000 36 Months 7.00% 8.00%
$4,001 - $6,000 48 Months 7.00% 8.00%
Over $6,000 60 Months 7.00% 8.00%

*Term options vary according to age of collateral

*Term options available based upon amount financed

Personal Loans:
Signature Unsecured Loan
8.00% - 28.00%
 
Unsecured Line of Credit
9.25%
 
Share Secured Loans
Share yield +2.00%
Certificate Secured Loans
Certificate yield +2.00%
Home Equity Loans (First and Second Mortgages):
0 - 60 months
3.75%
 
61 - 120 months
4.25%
 
121 - 180 months 5.00%  

*Term options available based upon amount financed


*The Annual Percentage Rate (APR) for share secured advances is subject to change on the 1st day of each calendar quarter at 2% above the current declared share dividend rate. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.

Terms and Conditions subject to change without notice.

 

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Main Office
100 Flint Ave.
Albany, GA 31701
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2014 Artesian City Federal Credit Union. All Rights Reserved. Federally Insured by NCUA.