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Loans | Savings | Certificates
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+ THESE ANNUAL PERCENTAGE RATES REFLECT A 0.50% ANNUAL PERCENTAGE RATE REDUCTION FOR MAKING LOAN PAYMENTS WITH DIRECT DEPOSIT (Does not apply to Visa Credit Card accounts)
+ WHEN CALCULATING LOAN PAYMENTS, INCREASE THE LOAN RATES LISTED BELOW BY 0.50%. THESE INCREASED RATES APPLY TO THE PAYMENT AMOUNT, HOWEVER, INTEREST IS CHARGED AT THE LOAN RATES LISTED BELOW.
^ REDUCE YOUR VEHICLE LOAN RATE FINANCED ELSEWHERE BY AS MUCH AS 2% TO A RATE AS LOW AS 4.24% APR*! CLICK HERE FOR MORE DETAILS.
Rates Subject To Change Without Notice
On loans listed below, certain restrictions may apply.
We have excellent loan rates! For current LOAN SPECIAL FLYER click here.
|
| LOANS |
Rate |
APR*+^ |
Term |
|
| Visa Credit Card |
|
8.90 |
n/a |
Calculator |
|
NEW VEHICLE/MOTORCYCLE: 2010, 2009 models-never titled (100% of market value) - Maximum term 72 months
|
|
4.49 |
72 |
Calculator |
|
USED VEHICLE/MOTORCYCLE: 2010, 2009 models - Maximum term 72 months (100% of retail value)
|
|
4.49 |
72 |
Calculator |
|
USED VEHICLE/MOTORCYCLE: 2008 model-Max term 60 months (100% of retail value)
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|
4.49 |
60 |
Calculator |
| USED VEHICLE/MOTORCYCLE: 2007 model-Max term 48 months (100% of retail value) |
|
4.49 |
48 |
Calculator |
| USED VEHICLE/MOTORCYCLE: 2006 model-Max term 36 months (100% of retail value) |
|
4.49 |
36 |
Calculator |
| VEHICLE: Collectible, Luxury & Exotic - Max term 60 months (100% of market value) |
|
4.49 |
60 |
Calculator |
| SIGNATURE (Unsecured) - Max 12 month term |
|
6.49 |
12 |
Calculator |
| SIGNATURE (Unsecured) - Up to 48 month term |
|
8.74 |
48 |
Calculator |
| SIGNATURE (Unsecured) - 49 to 60 month term |
|
8.99 |
60 |
Calculator |
| **HOME EQUITY Fixed Rate, closed-end (80% of value less encumbrances) - 1-5 year term |
|
4.99 |
60 |
Calculator |
| **HOME EQUITY Fixed Rate, closed-end (90% of value less encumbrances) - Max 5 yrs |
|
5.49 |
60 |
Calculator |
| **HOME EQUITY Fixed Rate, closed-end (80% of value less encumbrances) - Max 10 yrs |
|
5.74 |
120 |
Calculator |
| **HOME EQUITY Fixed Rate, closed-end (90% of value less encumbrances) - Max 10 yrs |
|
6.49 |
120 |
Calculator |
| **HOME EQUITY Fixed Rate, closed-end (80% of value less encumbrances) - Max 15 yrs |
|
6.49 |
180 |
Calculator |
| **HOME EQUITY Fixed Rate, closed-end (90% of value less encumbrances) - Max 15 yrs |
|
7.24 |
180 |
Calculator |
| **HOME EQUITY Line of Credit, Fixed Rate (80% of value less encumbrances) - up to 15 year term |
|
8.00 |
180 |
Calculator |
| **HOME EQUITY Line of Credit, Fixed Rate (90% of value less encumbrances) - up to 15 year term |
|
8.50 |
180 |
Calculator |
| **HOME EQUITY Line of Credit, Variable Rate (80% of value less encumbrances) - up to 15 year term~ |
|
5.00 |
180 |
Calculator |
| Share Secured - Maximum 5 year term |
|
3.99 |
60 |
Calculator |
| Share Certificate - 2.5% over the certificate rate for the same remaining term |
|
|
n/a |
Calculator |
| Mobile Home (70% of appraised value, Max term 10 years, model year of mobile home must be no more than 5 years old, certificate of title & borrower paid appraisal required) |
|
8.50 |
120 |
Calculator |
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+THESE ANNUAL PERCENTAGE RATES REFLECT A 0.50% ANNUAL PERCENTAGE RATE REDUCTION FOR MAKING LOAN PAYMENTS WITH DIRECT DEPOSIT (Does not apply to Visa Credit Card accounts)
+ WHEN CALCULATING LOAN PAYMENTS, INCREASE THE LOAN RATES LISTED ABOVE BY 0.50%. THESE INCREASED RATES APPLY TO THE PAYMENT AMOUNT, HOWEVER, INTEREST IS CHARGED AT THE LOAN RATES LISTED ABOVE.
^ REDUCE YOUR VEHICLE LOAN RATE FINANCED ELSEWHERE BY AS MUCH AS 2% TO A RATE AS LOW AS 4.24% APR*! CLICK HERE FOR MORE DETAILS.
On loans listed above, certain restrictions may apply.
We have excellent loan rates! For current LOAN SPECIAL FLYER click here.
*APR - Annual Percentage Rate Yrs = years
Go To Loan Application | Go To Calculators | Back to Top
~Rate on the Variable Rate Home Equity Line of Credit Loan is the 3 month Treasury Bill + 3.5%
~Adjustments to the Annual Percentage Rate (APR) on the Variable Rate Home Equity Line of Credit Loan will take effect quarterly on the first day of January, April, July and October.
~The APR on the Home Equity Variable Rate Line of Credit Loan will never be more than 6% above the initial APR and never lower than 5%.**Existing AEFCU fixed rate closed-end home equity loans can be refinanced with additional new money of at least $5,000. Existing AEFCU fixed rate line of credit home equity loans can be refinanced with increase to line of at least $5,000. AEFCU reserves the right to charge settlement fees on refinanced AEFCU home equity loans. If new money or increase is less than $10,000, settlement fees will be charged. If new money or increase is $10,000 or more, AEFCU will waive $450 of the settlement fees. Member will be charged for services incurred by AEFCU when applying for a home equity loan within three months of closing the same type of loan at AEFCU. |
| SAVINGS (Rates Effective Through 9/30/2010) |
Dividend Rate |
APY* |
Term |
| SHARE SAVINGS $25 Minimum Balance Up to $4,999.99 |
0.750 |
0.750 |
n/a |
| SHARE SAVINGS $5,000 Balance and Above |
0.850 |
0.850 |
n/a |
| CHRISTMAS CLUB Balance Up to $4,999.99 |
0.750 |
0.750 |
n/a |
| CHRISTMAS CLUB $5,000 Balance and Above |
0.850 |
0.850 |
n/a |
| IRA SAVINGS Balance Up to $4,999.99 |
0.750 |
0.750 |
n/a |
| IRA SAVINGS $5,000 Balance and Above |
0.850 |
0.850 |
n/a |
*APY = Annual Percentage Yield
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| CERTIFICATES (Rates reviewed Wednesdays) |
Dividend Rate |
APY* |
Term in Months |
Minimum Deposit |
| Share Certificate or IRA Certificate |
0.800 |
0.800 |
3 |
500.00 |
| Share Certificate or IRA Certificate |
0.850 |
0.850 |
6 |
500.00 |
| Share Certificate or IRA Certificate |
1.350 |
1.360 |
12 |
500.00 |
| Share Certificate or IRA Certificate |
1.500 |
1.510 |
24 |
500.00 |
| Share Certificate or IRA Certificate |
1.800 |
1.810 |
36 |
500.00 |
| Share Certificate or IRA Certificate |
2.230 |
2.250 |
48 |
500.00 |
| Share Certificate or IRA Certificate |
2.470 |
2.500 |
60 |
500.00 |
*APY = Annual Percentage Yield
A Penalty will be imposed for Early Withdrawal of Certificates. Your Certificate will automatically renew at the rate in effect at the Date of Maturity and for the same term as the original term unless you contact us on or before the Maturity Date.
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