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Share Rates

Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings. Share Savings Rates – Effective 8/14/18

Checking

Description Minimum Amount Term Rate APY* Compounding Period Effective
Choice Checking (Business Accounts) $1000 Daily 0.00% 0.00% Monthly 2nd Qtr. 2018
Prestige Checking $2,000 Daily 0.00% 0.00% Monthly 2nd Qtr. 2018

Regular Shares

Description Minimum Dividend Balance Term Rate APY* Compounding Period Effective
Regular Shares (One Share = $5) $50 Daily 0.10% 0.10% Quarterly 2nd Qtr. 2018

*Annual Percentage Yield

Term Share Certificates/IRA TSCs

Description Minimum Amount Term Rate APY* Compounding Period
06 Month TSC or IRA TSC $500 6 Months 0.946% 0.95% Monthly
06 Month TSC or IRA TSC $10,000 6 Months 1.193% 1.20% Monthly
12 Month TSC or IRA TSC $500 1 Year 1.094% 1.10% Monthly
12 Month TSC or IRA TSC $10,000 1 Year 1.342% 1.35% Monthly
18 Month TSC or IRA TSC $500 18 Months 1.193% 1.20% Monthly
18 Month TSC or IRA TSC $10,000 18 Months 1.440% 1.45% Monthly
24 Month TSC or IRA TSC $500 2 Years 1.292% 1.30% Monthly
24 Month TSC or IRA TSC $10,000 2 Years 1.687% 1.70% Monthly
30 Month TSC or IRA TSC $500 30 Months 1.391% 1.40% Monthly
30 Month TSC or IRA TSC $10,000 30 Months 1.785% 1.80% Monthly
36 Month TSC or IRA TSC $500 3 Years 1.490% 1.50% Monthly
36 Month TSC or IRA TSC $10,000 3 Years 1.884% 1.90% Monthly
48 Month TSC or IRA TSC $500 4 Years 1.638% 1.65% Monthly
48 Month TSC or IRA TSC $10,000 4 Years 2.080% 2.10% Monthly
60 Month TSC or IRA TSC $500 5 Years 1.785% 1.80% Monthly
60 Month TSC or IRA TSC $10,000 5 Years 2.325% 2.35% Monthly

*Annual Percentage Yield

ASCU offers relationship pricing. We will add 0.05% APY to the current rate when you have Checking and Direct Deposit or Regular Recurring Deposits to Checking. See your Member Service Representative for more information.

Rates are subject to change without notice. A penalty may apply for early withdrawal, fees may reduce earnings.

Money Market

Description Minimum Amount Term Rate APY* Compounding Period
Flex Money Market $2,000 Daily 0.648% 0.65% Quarterly
Flex Money Market $20,000 Daily 0.847% 0.85% Quarterly
Flex Money Market $50,000 Daily 0.947% 0.95% Quarterly
Flex Money Market $100,000 Daily 1.145% 1.15% Quarterly

*Annual Percentage Yield

Penalties may apply. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Regular IRA Shares

Description Minimum Dividend Balance Term Rate APY* Compounding Period Effective
Regular IRA Shares (One Share = $5) $50 Daily 0.698% 0.70% Quarterly 2nd Qtr. 2018

*Annual Percentage Yield


Loan Rates

Rates subject to change without notice. Current rates effective August 6, 2018

Auto Loans; Boat, Camper, and RV Loans; Motorcycle Loans; Motorsport Products Loans

Monthly payment example: If you borrow $20,000 for a 60 month term at 4.10%, your monthly payment would be $369.28.

APR* Minimum Finance Amount Term
3.75% $10,000 Up To 36 Months
4.00% $15,000 37 – 63 Months
4.25% $20,000 64 – 83 Months
4.50% $25,000 84 Months And Longer
Please inquire for longer terms or higher loan amounts.

New Vehicles: maximum advance based on MSRP (includes motorcycle type products).

Used Vehicles: maximum advance based on KBB retail value (includes motorcycle type products).

New Recreational vehicles: maximum advance based on dealer cost amount.

Used Recreational vehicles: maximum advance based on NADA wholesale value.

Antique, classic or high-end vehicles will be considered on a case by case basis.

Maximum loan amount may be affected according to market conditions.

Hail damaged units are ineligible for financing.

We do not accept salvaged titles or business purpose loans.

Vehicles with 100k miles or more are subject to a 0.50% rate increase (except where rate prohibits).

Signature / Line Of Credit / Overdraft Protection Loans

APR* Term Amount
5.95% 0 – 48 Months $100 – $20,000

Share Secured Loan

Description APR*
Share Secured Loan 2.50% over current certificate rate
Certificate Secured Loan 2.50% over current certificate rate

IRA’s and IRA Certificates cannot be used as collateral.

Construction Loans

Description APR*
9 Month, fixed-rate, Construction Loans Call or E-mail for quote

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Other Real Estate Loans

Description APR*
10, 15 and 30 year, closed-end, fixed-rate, 1st Mortgage Call or Email for quote

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Home Equity Loans

Description APR*
Up to 85% LTV, Home Equity Loan, From 7 to 15 years, closed-end, fixed-rate. Call or Email for quote
Up to 85% LTV, Home Equity Loan. Up to 7 years, closed-end, fixed-rate. Call or Email for quote

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Home Equity Line of Credit (HELOC) Open-End Loan

Description APR*
Up to 90% LTV Call or Email for quote

Call our Mortgage Loan Officer at 520-459-1860 for more details.

*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available for new auto loans based on MSRP, 2017 or newer, 740 or higher credit score, 3.25% floor, and max all-in LTV 135%. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice.