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储蓄率——新的高利率!
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储蓄及支票帐户
费率生效日期:2022年7月1日Rates for Savings & Checking Accounts
Account Type 年百分比产量(APY) Minimum to Earn Dividends Minimum Opening Balance Account Type Share Savings 年百分比产量(APY) .05% Minimum to Earn Dividends $100 Minimum Opening Balance $5 Account Type Youth Accounts 年百分比产量(APY) .05% Minimum to Earn Dividends None Minimum Opening Balance $5 Account Type Money Market Savings 年百分比产量(APY) .05% Minimum to Earn Dividends $0 - $2,499.99 Minimum Opening Balance None Account Type Money Market Savings 年百分比产量(APY) .25% Minimum to Earn Dividends $2,500 - $9,999.99 Minimum Opening Balance $2,500 Account Type Money Market Savings 年百分比产量(APY) .40% Minimum to Earn Dividends $10,000 - $24,999.99 Minimum Opening Balance $10,000 Account Type Money Market Savings 年百分比产量(APY) .50% Minimum to Earn Dividends $25,000 - $74,999.99 Minimum Opening Balance $25,000 Account Type Money Market Savings 年百分比产量(APY) .60% Minimum to Earn Dividends $75,000 + Minimum Opening Balance $75,000 Account Type Special Club Accounts 年百分比产量(APY) .05% Minimum to Earn Dividends $100 Minimum Opening Balance None Account Type IRA Savings 年百分比产量(APY) .50% Minimum to Earn Dividends None Minimum Opening Balance None Account Type Free Rewards Checking 年百分比产量(APY) N/A Minimum to Earn Dividends N/A Minimum Opening Balance $0 Account Type Checking - Regular 年百分比产量(APY) None Minimum to Earn Dividends None Minimum Opening Balance None 储蓄账户:费用可能会减少收入. 开仓后收益率可能会发生变化.
免费奖励检查:现金返还是根据符合资格的借记卡交易的总金额计算的. 帐户将不计息. 交易前1000美元返1%现金. Maximum cash back is $10. 如果符合奖励标准，最多可撤销10美元的ATM手续费. 以满足最低要求, 在合格期内，必须执行各项措施并将其清帐/存入账户. 从交易完成之日起，交易可能需要一个或多个银行工作日才能从您的账户中寄出和结算. Swipe & 签名、个人密码和借记卡账单支付交易必须在月底之前清除帐户. 标准费用将适用于未激活超过12个月的帐户. 透支金额小于30美元的借记卡交易不收取透支费. 这只适用于借记卡交易. ACH交易在收费前没有30美元的宽限期. 透支费用必须在45天内还清. 如果“礼貌支付”被禁用且交易被拒绝，则“礼貌支付”将不会支付. 在这些情况下，将收取NSF费用. 礼貌支付包括以下类型的交易:支票, ACH, 以及其他使用支票帐户进行的交易, automatic bill payments, 使用你的借记卡进行循环交易, ATM transactions, 每日借记卡交易, 和销售点(POS)交易. ATM transactions, 每日借记卡交易, 和销售点(POS)交易需要单独选择加入. Membership required. Federally insured by NCUA.
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Jumbo Share & IRA Certificates
房价生效日期:2022年9月2日
Jumbo Certificate Rates
Term 年百分比产量(APY) Minimum to Earn Dividends Minimum Opening Balance Term 6 Month Jumbo Certificate 年百分比产量(APY) 2.00% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000 Term 12个月大型证书 年百分比产量(APY) 2.00% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000 Term 24个月大型证书 年百分比产量(APY) 3.00% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000 收益率随时可能发生变化.
所有证书:除指定的无罚款证书外，提前退课可能会被处以罚款. Fees may reduce earnings.
只适用于传统和罗斯.
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Share & IRA Certificates
房价生效日期:2022年10月29日
Share & IRA Certificate Rates
Term 年百分比产量(APY) Platinum APY Minimum to Earn Dividends Minimum Opening Balance Term 6 Month Certificate 年百分比产量(APY) 1.90% Platinum APY 2.00% Minimum to Earn Dividends $500 Minimum Opening Balance $500 Term 12个月股份建造商证书 年百分比产量(APY) 1.90% Platinum APY 2.00% Minimum to Earn Dividends $25 Minimum Opening Balance $500 Term 12 Month Certificate 年百分比产量(APY) 1.90% Platinum APY 2.00% Minimum to Earn Dividends $500 Minimum Opening Balance $500 Term 15 Month Certificate 年百分比产量(APY) 2.15% Platinum APY 2.25% Minimum to Earn Dividends $500 Minimum Opening Balance $500 Term 15个月证书(无罚款)1 年百分比产量(APY) 2.05% Platinum APY 2.15% Minimum to Earn Dividends $500 Minimum Opening Balance $500 Term 18 Month Certificate 年百分比产量(APY) 2.65% Platinum APY 2.75% Minimum to Earn Dividends $500 Minimum Opening Balance $500 Term 24 Month Certificate 年百分比产量(APY) 2.90% Platinum APY 3.00% Minimum to Earn Dividends $500 Minimum Opening Balance $500 Term 36 Month Certificate 年百分比产量(APY) 2.55% Platinum APY 2.65% Minimum to Earn Dividends $500 Minimum Opening Balance $500 Term 48 Month Certificate 年百分比产量(APY) 2.40% Platinum APY 2.50% Minimum to Earn Dividends $500 Minimum Opening Balance $500 Term 60 Month Certificate 年百分比产量(APY) 2.15% Platinum APY 2.25% Minimum to Earn Dividends $500 Minimum Opening Balance $500 收益率随时可能发生变化.
所有证书:除指定的无罚款证书外，提前退课可能会被处以罚款. Fees may reduce earnings.
白金证书:APYs是 .10% higher. 白金级别是对选择我们作为其主要金融机构的会员的奖励. 铂金奖励开始于每月家庭平均余额合计达到50美元的会员,000+.
股份建造者证书:在证书存续期的任何时候都可以添加存款.
也适用于传统、罗斯和Coverdell储蓄账户.
115个月的存单在存期内的任何时候提取余额都不会受到惩罚. 不符合个人退休账户证书的资格.
Loan Rates
- Mortgages
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房屋净值信用额度 & Loans
费率生效日期:2022年10月1日
Home Equity Loan Rates
Type As Low As APR* Loan To Value (LTV) 每月供款10,000元样本 Type 房屋净值信用额度1 As Low As APR* 6.25% Loan To Value (LTV) 80% 每月供款10,000元样本 N/A Type 房屋净值信用额度1 As Low As APR* 6.75% Loan To Value (LTV) 90% 每月供款10,000元样本 N/A Type 房屋净值信用额度1 As Low As APR* 7.25% Loan To Value (LTV) 100% 每月供款10,000元样本 N/A Type 股权贷款- 10年期限 As Low As APR* 5.625% Loan To Value (LTV) 80% 每月供款10,000元样本 $109 Type 股权贷款- 10年期限 As Low As APR* 6.375% Loan To Value (LTV) 90% 每月供款10,000元样本 $112 Type 股权贷款- 10年期限 As Low As APR* 6.625% Loan To Value (LTV) 100% 每月供款10,000元样本 $114 Type 股权贷款- 15年期限 As Low As APR* 6.000% Loan To Value (LTV) 80% 每月供款10,000元样本 $84 Type 股权贷款- 15年期限 As Low As APR* 6.750% Loan To Value (LTV) 90% 每月供款10,000元样本 $88 Type 股权贷款- 15年期限 As Low As APR* 7.000% Loan To Value (LTV) 100% 每月供款10,000元样本 $89 Type 股权贷款- 20年期限 As Low As APR* 6.250% Loan To Value (LTV) 80% 每月供款10,000元样本 $73 Type 股权贷款- 20年期限 As Low As APR* 7.000% Loan To Value (LTV) 90% 每月供款10,000元样本 $77 Type 股权贷款- 20年期限 As Low As APR* 7.250% Loan To Value (LTV) 100% 每月供款10,000元样本 $79 1年百分比. 并非所有人都有资格享受最低税率. HELOC利率是可变的，并受季度利率调整的影响. APR不小于3.75%，不超过18%. 适用排除条款和条件. 只有当你使用这条线路时才收取利息. 财产保险要求. 优惠只适用于自住业主, single-family, 位于弗吉尼亚州的住宅房地产, MD, and D.C. ACFCU必须获得抵押物的有效第一或第二留置权，所有所有者必须签署文件. 所有的付款都首先应用到较低的余额. 除按揭税及纪录费外，所有成交费用均由本会支付. 以10万美元的股权贷款为基础，成交成本在700美元至1600美元之间. 贷款价值比率达95%或以上的贷款额最高可达30万元.
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Auto Loans
房价生效日期:2022年6月24日
New & Used Car Loan Rates
Type & Model Years Terms Up To Fixed APR* As Low As 每月供款20,000元样本† Type & Model Years New & Used: 2015 and Newer Terms Up To 36 Months Fixed APR* As Low As 3.69% 每月供款20,000元样本† $588 Type & Model Years New & Used: 2015 and Newer Terms Up To 60 Months Fixed APR* As Low As 5.24% 每月供款20,000元样本† $380 Type & Model Years New & Used: 2015 and Newer Terms Up To 72 Months Fixed APR* As Low As 6.24% 每月供款20,000元样本† $334 Type & Model Years New & Used: 2015 and Newer Terms Up To 84 Months Fixed APR* As Low As 7.24% 每月供款20,000元样本† $304 Type & Model Years New & Used: 2015 and Newer Terms Up To 96 Months Fixed APR* As Low As 7.74% 每月供款20,000元样本† $700(最低贷款金额$50,000) Type & Model Years 老款汽车:2014年和更老款 Terms Up To 36 Months Fixed APR* As Low As 4.69% 每月供款20,000元样本† $597 Type & Model Years 老款汽车:2014年和更老款 Terms Up To 60 Months Fixed APR* As Low As 6.24% 每月供款20,000元样本† $389 Type & Model Years 老款汽车:2014年和更老款 Terms Up To 72 Months Fixed APR* As Low As 7.24% 每月供款20,000元样本† $343 Type & Model Years 老款汽车:2014年和更老款 Terms Up To 84 Months Fixed APR* As Low As 8.24% 每月供款20,000元样本† $314 *APR =年百分比. 价格可随时更改，恕不另行通知. 并非所有申请人都有资格享受最低税率. 根据新车的MSRP和二手车的NADA零售价值，可能适用最高贷款价值限制. 适用一般承保准则. 要想获得最低利率，会员必须符合信贷资格.
†付款例子可能会不同，因为支付保护被添加到贷款和第一次付款到期日不是30天的资金.
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Credit Cards
费率生效日期:2022年10月1日
消费信用卡年比率(APR) & Charges
Transaction Type Signature Platinum Classic Transaction Type Purchases Signature As Low As 15.00% APR* Platinum As Low As 13.75% APR* Classic As Low As 12.00% APR* Transaction Type Cash Advances Signature As Low As 15.00% APR* Platinum As Low As 13.75% APR* Classic As Low As 12.00% APR* Transaction Type Balance Transfers Signature As Low As 15.00% APR* Platinum As Low As 13.75% APR* Classic As Low As 12.00% APR* Transaction Type 偿还购货余款的宽限期 Signature 25 days on average Platinum 25 days on average Classic 25 days on average Transaction Type The Balance of Purchases Signature 每日平均结余(包括新购买) Platinum 每日平均结余(包括新购买) Classic 每日平均结余(包括新购买) 只适用于消费信用卡的费率和费用. 是否适用于商务信用卡. 关于这些签证费用的信息® 以上描述的程序截止2022年10月1日是准确的. Here is our most recent Credit Card Agreement. 此信息可能在此日期之后发生了更改. 想知道发生了什么变化，请致电我们: 703.526.0200 or write us: P.O. 弗吉尼亚州cq9电子游戏竞技平台40070号信箱22204-7070.
费率生效日期:2022年10月1日消费信用卡功能 & Rewards
Features & Benefits Signature Platinum Classic Features & Benefits Technology Signature 非接触式卡与新的卡片警报和卡片控制 Platinum 非接触式卡与新的卡片警报和卡片控制 Classic 非接触式卡与新的卡片警报和卡片控制 Features & Benefits Credit Line Signature Up to $30,000 Platinum Up to $30,000 Classic Up to $30,000 Features & Benefits Cardholders Signature 单一或联合帐户，授权用户 Platinum Single or joint account, authorized users Classic Single or joint account, authorized users Features & Benefits Intro Offer Signature 1.开户后90天内转账12个月的年利率为99% * 开户后90天内消费3000美元可得40000分. Platinum 1.在开户后90天内转账，12个月的年利率为99% * 开户后90天内消费1500美元可得2万分. Classic N/A Features & Benefits Rewards Points Signature 每1美元可获得3点的旅行，餐饮，杂货和汽油. Earn 1.其他消费每1美元可得5分. Platinum 每1美元可获得2点餐费，杂货费和汽油费. 在所有其他消费中，每1美元可获得1分. Classic N/A Features & Benefits Rewards Options Signature 兑换现金、旅游、商品、礼品卡等. Platinum 兑换现金、旅游、商品、礼品卡等. Classic N/A Features & Benefits Point Limits Signature None Platinum None Classic N/A Features & Benefits Point Expiration Signature 5 years Platinum 5 years Classic N/A 只适用于消费信用卡的费率和费用. 是否适用于商务信用卡. 关于这些签证费用的信息® 以上描述的程序截止2022年10月1日是准确的. Here is our most recent Credit Card Agreement. 此信息可能在此日期之后发生了更改. 想知道发生了什么变化，请致电我们: 703.526.0200 or write us: P.O. 弗吉尼亚州cq9电子游戏竞技平台40070号信箱22204-7070.
费率生效日期:2022年10月1日Consumer Credit Card Fees
Fees Signature Platinum Classic Fees Annual Fee Signature None Platinum None Classic None Fees Account Set-up Fee Signature None Platinum None Classic None Fees Cash Advance Fee Signature 2% no minimum/no maximum Platinum 2% no minimum/no maximum Classic 2% no minimum/no maximum Fees Late Payment Fee Signature $29 Platinum $29 Classic $29 Fees Foreign Transaction Fee Signature None Platinum 1% of transaction amount Classic 1% of transaction amount 只适用于消费信用卡的费率和费用. 是否适用于商务信用卡. 关于这些签证费用的信息® 以上描述的程序截止2022年10月1日是准确的. Here is our most recent Credit Card Agreement. 此信息可能在此日期之后发生了更改. 想知道发生了什么变化，请致电我们: 703.526.0200 or write us: P.O. 弗吉尼亚州cq9电子游戏竞技平台40070号信箱22204-7070.
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Personal Loans
房价生效日期:2022年7月22日
Personal & Secured Loans
Type Loan Maximum Term Up To APR* As Low As Sample Monthly Payment1 Type Savings Secured Loan Maximum Available Savings Balance Term Up To Varies APR* As Low As Earned Rate + 3% Sample Monthly Payment1 NA Type Certificate Secured Loan Maximum Certificate Balance Term Up To 证书有效期剩余 APR* As Low As Rate + 3% Sample Monthly Payment1 NA Type Fast Cash2 Loan Maximum $1,000 Term Up To 12 Months APR* As Low As 16.78% Sample Monthly Payment1 $87 for $1,000 Type Personal Loan Loan Maximum $10,000 Term Up To 48 Months APR* As Low As 7.99% Sample Monthly Payment1 $170.86 for $7,000 or $24.41 per $1,000 Type Personal Loan Loan Maximum $20,000 Term Up To 60 Months APR* As Low As 8.99% Sample Monthly Payment1 $207.54 for $10,000 or $20.75 per $1,000 Type Personal Loan Loan Maximum $50,000 Term Up To 72 Months APR* As Low As 9.49% Sample Monthly Payment1 $456.74 for $25,000 or $18.27 per $1,000 Type Personal Line of Credit Loan Maximum $25,000 Term Up To Revolving APR* As Low As 8.25% Sample Monthly Payment1 NA *APR =年百分比. 价格如有更改，恕不另行通知. 费率自2022年7月22日起生效. 在线申请的会员将得到0分.个人贷款年利率25%的折扣. 并非所有申请人都有资格享受最低税率. 要想获得最低利率，会员必须符合信用标准，并在网上申请. 最低贷款额1,000元. 最高贷款金额25,000元.
1由于贷款中添加了付款保护，且第一次付款到期日不是融资后30天，付款示例可能有所不同.
2必须是至少90天的会员才有资格获得快速现金贷款. 所有的账户和贷款必须是过去六个月的往来账户(不是负的或拖欠的). 不需要直接存款. 但是，在过去的两个月里，每个日历月需要1000美元的存款. 每个会员只有一笔快速现金贷款，每次只有一笔，每滚动12个月最多两笔. Current Fast Cash必须有6个月的付款期，才能进行再融资. 困难快速现金或VHC快速现金不计算在2每年, 并且不必用快速现金贷款的收益来偿还. 对于目前没有快速现金卡的会员，我们只允许一笔最高余额为1美元的快速现金贷款,000. 只有主要帐户持有人才可申请“快速现金”. $1,000 Fast Cash with 8.99%的利率+ 40美元的财务费用= 16.73% APR total. 月供金额= $87.44. 付款是基于第一个到期日期在30天. 并非所有成员都有资格延期付款. 在付款延期期间，利息将继续计提. 延期付款不得超过45天.
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Boat & RV Loans
房价生效日期:2022年6月24日
Boat & RV Loan Rates
Model Year Terms Up To Fixed APR* As Low As 每月供款40,000元样本† Model Year 10 Years old or Newer Terms Up To 96个月(贷款金额不超过50,000元) Fixed APR* As Low As 8.00% 每月供款40,000元样本† $565 Model Year 10 Years old or Newer Terms Up To 120个月(贷款金额不超过150,000元) Fixed APR* As Low As 8.75% 每月供款40,000元样本† $501 Model Year 10 Years old or Newer Terms Up To 144个月(贷款金额不超过$200,000) Fixed APR* As Low As 9.75% 每月供款40,000元样本† $472 *APR =年百分比. 价格可随时更改，恕不另行通知. 并非所有申请人都有资格享受最低税率. 不提供现有的ACFCU汽车贷款. Up to 110% financing available for new autos/motorcycles; NADA retail value for used motorcycles. 高达95%的融资可用于新和旧船/房车. 申请贷款和会员资格. 有资格获得最低的利率, 会员必须符合信用标准资格和以下3个条件中的2个:一个至少1美元的活跃ACFCU支票账户,每月直接存款$ 000, ACFCU Visa®有效信用卡，余额至少1美元,000, 和/或申请汽车贷款通过我们 Online Application.
†付款例子可能会不同，因为支付保护被添加到贷款和第一次付款到期日不是30天的资金.
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Motorcycle Loans
房价生效日期:2022年6月24日
Motorcycle Loan Rates
Model Year Terms Up To Fixed APR* As Low As 每月供款20,000元样本† Model Year New & Used: 2015 and Newer Terms Up To 36 months Fixed APR* As Low As 5.69% 每月供款20,000元样本† $606 Model Year New & Used: 2015 and Newer Terms Up To 60 Months Fixed APR* As Low As 7.24% 每月供款20,000元样本† $398 Model Year New & Used: 2015 and Newer Terms Up To 72 Months Fixed APR* As Low As 8.24% 每月供款20,000元样本† $353 Model Year New & Used: 2015 and Newer Terms Up To 84 Months Fixed APR* As Low As 9.24% 每月供款20,000元样本† $324(最低贷款额$35,000) *APR =年百分比. 价格可随时更改，恕不另行通知. 并非所有申请人都有资格享受最低税率. 不提供现有的ACFCU汽车贷款. Up to 110% financing available for new autos/motorcycles; NADA retail value for used motorcycles. 高达95%的融资可用于新和旧船/房车. 申请贷款和会员资格. 有资格获得最低的利率, 会员必须符合信用标准资格和以下3个条件中的2个:一个至少1美元的活跃ACFCU支票账户,每月直接存款$ 000, ACFCU Visa®有效信用卡，余额至少1美元,000, 和/或申请汽车贷款通过我们 Online Application.
†付款例子可能会不同，因为支付保护被添加到贷款和第一次付款到期日不是30天的资金.
Business Rates
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Credit Cards
费率生效日期:2022年10月1日
Transaction Type Platinum Rewards Transaction Type Purchases Platinum Rewards Rates as low as 13.75% Transaction Type Cash Advances Platinum Rewards Rates as low as 13.75% Transaction Type Balance Transfers Platinum Rewards Rates as low as 13.75% Transaction Type 偿还购货余款的宽限期 Platinum Rewards 25 days on average Transaction Type The Balance of Purchases Platinum Rewards 每日平均结余(包括新购买) 只适用于商业信用卡的费率和费用. 是否适用于消费信用卡. 关于这些签证费用的信息® 以上描述的程序截止2022年10月1日是准确的. Here is our most recent Credit Card Agreement. 此信息可能在此日期之后发生了更改. 想知道发生了什么变化，请致电我们: 703.526.0200 or write us: P.O. 弗吉尼亚州cq9电子游戏竞技平台40070号信箱22204-7070.
费率生效日期:2022年10月1日商务信用卡功能 & Rewards
Features & Benefits Platinum Rewards Features & Benefits Technology Platinum Rewards 带有EMV芯片的非接触式卡片可提供额外层或防止欺诈 Features & Benefits Credit Line Platinum Rewards Up to $50,000 Features & Benefits Cardholders Platinum Rewards 单一或联合帐户，授权用户 Features & Benefits Rewards Points Platinum Rewards 所有购买每1美元获得1点 Features & Benefits Rewards Options Platinum Rewards 兑换现金，旅游，商品，礼品卡 Features & Benefits Point Limits Platinum Rewards None Features & Benefits Point Expiration Platinum Rewards 5 Years 只适用于商业信用卡的费率和费用. 是否适用于消费信用卡. 关于这些签证费用的信息® 以上描述的程序截止2022年10月1日是准确的. Here is our most recent Credit Card Agreement. 此信息可能在此日期之后发生了更改. 想知道发生了什么变化，请致电我们: 703.526.0200 or write us: P.O. 弗吉尼亚州cq9电子游戏竞技平台40070号信箱22204-7070.
费率生效日期:2022年10月1日Business Credit Card Fees
Fees Platinum Rewards Fees Annual Fee Platinum Rewards None Fees Account Set-Up Fee Platinum Rewards None Fees Cash Advance Fee Platinum Rewards 2% Fees Balance Transfer Fee Platinum Rewards 2% Fees Late Payment Fee Platinum Rewards $29 Fees Foreign Transaction Fee Platinum Rewards 最高为交易金额的1% 只适用于商业信用卡的费率和费用. 是否适用于消费信用卡. 关于这些签证费用的信息® 以上描述的程序截止2022年10月1日是准确的. Here is our most recent Credit Card Agreement. 此信息可能在此日期之后发生了更改. 想知道发生了什么变化，请致电我们: 703.526.0200 or write us: P.O. 弗吉尼亚州cq9电子游戏竞技平台40070号信箱22204-7070.
