Effective Jan 15th, 2019

Personal Loans

Loan TypeRate
Listed as Annual Percentage Rate
Rate after all Discounts*
Listed as Annual Percentage Rate
Personal Loan8.00%As low as 7.50%
12-12-12 Holiday Loan12.00%As low as 12.00%
**Share-Secured3.0% Above Index3.0% Above Index
***Certificate of Deposit Secured LoanCD APR + 3.0%CD APR + 3.0%

APR (ANNUAL PERCENTAGE RATE)

Your actual rate is based on your credit quality and loan term. Unsecured rates listed includes the following discounts.

  • 5 years but less than 10 years of Work/ Membership discount on Personal Loans = 1.00%
  • 10 years or more of Work/ Membership discount on Personal Loans = 1.50%

Please ask us for the rate and term you qualify for. Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without prior notice.

**The APR for share-secured loans will be the dividend rate being paid on regular shares (Index) on the date of the loan plus the percentage shown in the “% Above Index” column above with a floor rate of 5.00%.
The current APR will be disclosed at the time of the loan. The unpaid loan balance must be secured by an equal dollar value in the share account pledged at all times.


*** Certificate of Deposit Secured Loans – A member may pledge their Certificate of Deposit with AHCU as collateral to secure a loan.

  • The maximum loan amount is 100% of the unpledged Certificate of Deposit.
  • The maximum term not to exceed the term of the Certificate of Deposit less 1 month.
  • The minimum loan amount shall be $500.00.
  • The rate of interest shall be the Certificate of Deposit Annual Percentage Rate (APR) +3.0% with a floor rate of 5.0%.
  • The unpaid loan balance must be secured by an equal dollar value in the Certificate of Deposit account at all times.

 

New and Used Autos/Recreational Vehicle

Loan TypeRate
Listed as Annual Percentage Rate
Rate after all Discounts*
Listed as Annual Percentage Rate
New Auto¹
49 to 60 months
61 to 72 months
73 to 84 months
3.69%
4.44%
5.69%
As low as 2.64%
As low as 3.39%
As low as 4.64%
Used Car & Truck

up to 100,000 miles
49 to 60 months
61 to 72 months
73 to 84 months


4.19%
4.94%
6.19%


As low as 3.14%
As low as 3.89%
As low as 5.14%

Used Car & Truck

Used Auto - 100,000 Miles to 120,000 Miles - Up to 80% LTV Max
1 to 36 months




4.94%



As low as 3.89%
New Motorcycle, Camper, Boat, RV¹

49 to 60 months
61 to 72 months
73 to 84 months

7.19%
7.94%
9.19%

As low as 6.14%
As low as 6.89%
As low as 8.14%
Used Motorcycle, Camper, Boat, RV

49 to 60 months
61 to 72 months
73 to 84 months

7.69%
8.44%
9.69%

As low as 6.64%
As low as 7.39%
As low as 8.64%

*Your actual rate is based on your credit quality and loan term. Rate listed includes the following discounts.

  • 5 years or greater Work/ Membership discount on Auto Loans= .25% auto loans​  
  • Up to 80% Loan to Value discount (LTV) = .60%
  • Other discounts may apply

Please ask us for the rate and term you qualify for. Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without prior notice.


¹New vehicles consist of current and previous model years not exceeding 10,000 actual miles.

Credit Card

Card TypeAnnual FeeRate for Purchases
Listed as Annual Percentage Rate
Visa® ClassicNONE14.99%*
Visa® PlatinumNONE9.99%*
Share Secured Visa®NONE16.00%*

APR (ANNUAL PERCENTAGE RATE)

*All rates are subject to change. Rates and terms are based on certain credit-worthiness criteria.