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Savings Rates

  • Savings and Checking Account
    calendar Rates Effective: January 1, 2023
    Rates for Savings & Checking Accounts
    Account Type Annual Percentage Yield (APY) Minimum to Earn Dividends Minimum Opening Balance
    Account Type Share Savings Annual Percentage Yield (APY) .05% Minimum to Earn Dividends $100 Minimum Opening Balance $5
    Account Type Youth Accounts Annual Percentage Yield (APY) .05% Minimum to Earn Dividends None Minimum Opening Balance $5
    Account Type Money Market Savings Annual Percentage Yield (APY) .50% Minimum to Earn Dividends $0 - $2,499.99 Minimum Opening Balance None
    Account Type Money Market Savings Annual Percentage Yield (APY) .60% Minimum to Earn Dividends $2,500 - $9,999.99 Minimum Opening Balance $2,500
    Account Type Money Market Savings Annual Percentage Yield (APY) .60% Minimum to Earn Dividends $10,000 - $24,999.99 Minimum Opening Balance $10,000
    Account Type Money Market Savings Annual Percentage Yield (APY) .75% Minimum to Earn Dividends $25,000 - $74,999.99 Minimum Opening Balance $25,000
    Account Type Money Market Savings Annual Percentage Yield (APY) .75% Minimum to Earn Dividends $75,000 + Minimum Opening Balance $75,000
    Account Type Special Club Accounts Annual Percentage Yield (APY) .05% Minimum to Earn Dividends $100 Minimum Opening Balance None
    Account Type IRA Savings Annual Percentage Yield (APY) .50% Minimum to Earn Dividends None Minimum Opening Balance None
    Account Type Free Rewards Checking Annual Percentage Yield (APY) N/A Minimum to Earn Dividends N/A Minimum Opening Balance $0
    Account Type Checking - Regular Annual Percentage Yield (APY) None Minimum to Earn Dividends None Minimum Opening Balance None

    SAVINGS ACCOUNTS: Fees may reduce earnings. Yields may change after opening.

    免费奖励支票:现金返还是根据符合条件的借记卡交易的总金额计算的. Account will not be interest-bearing. 1% cash back on first $1,000 in transactions. Maximum cash back is $10. 如果符合奖励标准，最多可减免10美元的ATM手续费. For minimum requirements to be met, 行动必须执行，并且必须在资格认证期间结清/提交到账户. 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在您的账户上进行邮寄和结算. Swipe & 签名、密码和借记账单支付交易必须在月底之前结清账户. 标准费用将适用于不活跃超过12个月的账户. 透支金额低于30美元的借记卡交易不收取透支费. This only applies to debit card transactions. ACH交易在收取费用之前没有30美元的宽限期. Overdraft fees must be repaid within 45 days. 如果“礼貌支付”功能被禁用并且交易被拒绝，“礼貌支付”将不会被支付. In those cases, an NSF fee will be charged. 礼貌支付包括以下几种交易方式:支票, ACH, and other transactions made using a checking account, automatic bill payments, recurring transactions set up using your debit card, ATM transactions, everyday debit card transactions, and Point of Sale (POS) transactions. ATM transactions, everyday debit card transactions, 和销售点(POS)交易需要单独选择加入. Membership required. Federally insured by NCUA.

  • Jumbo Share & IRA Certificates
    calendar Rates Effective: May 1, 2024
    Jumbo Certificate Rates
    Term Annual Percentage Yield (APY) Platinum APY Minimum to Earn Dividends Minimum Opening Balance
    Term 6 Month Jumbo Certificate Annual Percentage Yield (APY) 4.55% Platinum APY 4.65% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000
    Term 12 Month Jumbo Certificate Annual Percentage Yield (APY) 4.80% Platinum APY 4.90% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000
    Term 24 Month Jumbo Certificate Annual Percentage Yield (APY) 4.40% Platinum APY 4.50% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000

    Yields are subject to change at any time.

    所有证书:除了指定的无处罚证书外，提前提款可能会受到处罚. Fees may reduce earnings.

    Applies to Traditional and Roth only.

  • Share & IRA Certificates
    calendar Rates Effective: May 1, 2024
    Share & IRA Certificate Rates
    Term Annual Percentage Yield (APY) Platinum APY Minimum to Earn Dividends Minimum Opening Balance
    Term 6 Month Certificate Annual Percentage Yield (APY) 4.55% Platinum APY 4.65% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 12 Month Share Builder Certificate Annual Percentage Yield (APY) 4.80% Platinum APY 4.90% Minimum to Earn Dividends $25 Minimum Opening Balance $500
    Term 12 Month Certificate Annual Percentage Yield (APY) 4.80% Platinum APY 4.90% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 15 Month Certificate Annual Percentage Yield (APY) 4.65% Platinum APY 4.75% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 15 Month Certificate (No Penalty)1 Annual Percentage Yield (APY) 4.55% Platinum APY 4.65% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 18 Month Certificate Annual Percentage Yield (APY) 4.70% Platinum APY 4.80% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 24 Month Certificate Annual Percentage Yield (APY) 4.40% Platinum APY 4.50% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 36 Month Certificate Annual Percentage Yield (APY) 3.85% Platinum APY 3.95% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 48 Month Certificate Annual Percentage Yield (APY) 3.90% Platinum APY 4.00% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 60 Month Certificate Annual Percentage Yield (APY) 3.90% Platinum APY 4.00% Minimum to Earn Dividends $500 Minimum Opening Balance $500

    Yields are subject to change at any time.

    所有证书:除了指定的无处罚证书外，提前提款可能会受到处罚. Fees may reduce earnings.

    PLATINUM CERTIFICATES: APYs are .10% higher. 白金级别是对选择我们作为主要金融机构的会员的奖励. 每月家庭平均结余达到$50的会员可获得白金奖励,000+.

    股票建设者证书:可在证书有效期内随时增加存款.

    也适用于传统、罗斯和科弗戴尔储蓄账户.

    115个月的存单在存期内的任何时候提取余额都不会受到罚款. Not eligible for IRA certificates.

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Loan Rates

  • Mortgages

    View Mortgage Rates

  • Home Equity Loans & Lines of Credit
    calendar Rates Effective: April 15, 2024
    Home Equity Loan Rates
    Type As Low As APR* Loan To Value (LTV) Sample Monthly Payment for $10,000
    Type Home Equity Line of Credit1 As Low As APR* 8.75% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 N/A
    Type Home Equity Line of Credit1 As Low As APR* 9.50% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 N/A
    Type Equity Loan Express - 10 Year Term As Low As APR* 9.625% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $130.08
    Type Equity Loan Express - 10 Year Term As Low As APR* 10.375% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $134.24
    Type Equity Loan Express - 10 Year Term As Low As APR* 10.625% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $135.64
    Type Equity Loan Express - 15 Year Term As Low As APR* 10% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $107.46
    Type Equity Loan Express - 15 Year Term As Low As APR* 10.75% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $112.09
    Type Equity Loan Express - 15 Year Term As Low As APR* 11% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $113.66
    Type Equity Loan Express - 20 Year Term As Low As APR* 10.25% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $98.16
    Type Equity Loan Express - 20 Year Term As Low As APR* 11% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $103.22
    Type Equity Loan Express - 20 Year Term As Low As APR* 11.25% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $104.93

    1APR = Annual Percentage Rate. Not all will qualify for the lowest rate. HELOC的利率是可变的，并可能随季度利率调整而变化. The APR will not be less than 3.75% and will not exceed 18%. Exclusions and conditions apply. Interest charges apply only when you use the line. Property insurance required. Offer available only on owner-occupied, single-family, residential real property located in VA, MD, D.C., PA, NJ, WV, DE, and NC.  中华全国总工会必须对抵押品取得有效的第一或第二留置权，所有所有人必须签署文件. Maximum loan amount is $150,000.

  • Credit Cards
    calendar Rates Effective: October 1, 2023
    Consumer Credit Card Annual Percentage Rates (APR) & Charges
    Transaction Type Signature Platinum Classic
    Transaction Type Purchases Signature As Low As 17.25% APR* Platinum As Low As 16.00% APR* Classic As Low As 14.25% APR*
    Transaction Type Cash Advances Signature As Low As 17.25% APR* Platinum As Low As 16.00% APR* Classic As Low As 14.25% APR*
    Transaction Type Balance Transfers Signature As Low As 17.25% APR* Platinum As Low As 16.00% APR* Classic As Low As 14.25% APR*
    Transaction Type Grace period for repayment of balances of purchases Signature 25 days on average Platinum 25 days on average Classic 25 days on average
    Transaction Type The Balance of Purchases Signature Average daily balance (including new purchases) Platinum Average daily balance (including new purchases) Classic Average daily balance (including new purchases)

    Rates and fees for consumer credit cards only. Does not apply to business credit cards. The information about the costs of these Visa® 上述计划在2023年10月1日是准确的. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

    calendar Rates Effective: October 1, 2023
    Consumer Credit Card Features & Rewards
    Features & Benefits Signature Platinum Classic
    Features & Benefits Technology Signature 非接触式卡与新的卡警报和卡控制 Platinum 非接触式卡与新的卡警报和卡控制 Classic 非接触式卡与新的卡警报和卡控制
    Features & Benefits Credit Line Signature Up to $30,000 Platinum Up to $30,000 Classic Up to $30,000
    Features & Benefits Cardholders Signature Single or joint account, authorized users Platinum Single or joint account, authorized users Classic Single or joint account, authorized users
    Features & Benefits Intro Offer Signature 1.在开户首90天内进行余额转账，12个月99%年利率* 开户90天内消费3000美元，积分40000分. Platinum 1.在开户首90天内进行余额转账，12个月99%的年利率* 开户90天内消费1500美元，积分20000分. Classic N/A
    Features & Benefits Rewards Points Signature 旅游、餐饮、杂货和汽油每1美元可获得3点积分. Earn 1.5 points per $1 on all other purchases. Platinum Earn 2 points per $1 for dining, groceries, and gas. Earn 1 point per $1 on all other purchases. 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

    Rates and fees for consumer credit cards only. Does not apply to business credit cards. The information about the costs of these Visa® 上述计划在2023年10月1日是准确的. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

    calendar Rates Effective: October 1, 2023
    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 Balance Transfer Fee Signature 2% of the amount of each transfer Platinum 2% of the amount of each transfer Classic 2% of the amount of each transfer
    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

    Rates and fees for consumer credit cards only. Does not apply to business credit cards. The information about the costs of these Visa® 上述计划在2023年10月1日是准确的. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

  • Auto Loans
    calendar Rates Effective: May 1, 2024
    New & Used Car Loan Rates
    Type & Model Years Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,000†
    Type & Model Years New & Used: 2017 and Newer Terms Up To 36 Months Fixed APR* As Low As 4.99% Sample Monthly Payment for $20,000† $599
    Type & Model Years New & Used: 2017 and Newer Terms Up To 60 Months Fixed APR* As Low As 5.59% Sample Monthly Payment for $20,000† $383
    Type & Model Years New & Used: 2017 and Newer Terms Up To 72 Months Fixed APR* As Low As 5.89% Sample Monthly Payment for $20,000† $330
    Type & Model Years New & Used: 2017 and Newer Terms Up To 84 Months Fixed APR* As Low As 6.99% Sample Monthly Payment for $20,000† $302
    Type & Model Years New & Used: 2017 and Newer Terms Up To 96 Months Fixed APR* As Low As 9.24% Sample Monthly Payment for $20,000† $739 (minimum loan amount $50,000)
    Type & Model Years Older Model Cars: 2016 and Older Terms Up To 36 Months Fixed APR* As Low As 5.69% Sample Monthly Payment for $20,000† $606
    Type & Model Years Older Model Cars: 2016 and Older Terms Up To 60 Months Fixed APR* As Low As 5.99% Sample Monthly Payment for $20,000† $387
    Type & Model Years Older Model Cars: 2016 and Older Terms Up To 72 Months Fixed APR* As Low As 6.49% Sample Monthly Payment for $20,000† $336
    Type & Model Years Older Model Cars: 2016 and Older Terms Up To 84 Months Fixed APR* As Low As 8.49% Sample Monthly Payment for $20,000† $317

    *APR = Annual Percentage Rate. 房价如有变动，恕不另行通知. Not all applicants will qualify for the lowest rate. 根据新车的建议零售价和二手车的NADA零售价值，可能会适用最高贷款价值限制. Members who apply online will receive a 0.50% APR discount on an Auto Loan. To qualify for as low as rate, 会员必须符合信贷标准及资格，并透过本网站申请汽车贷款 Online Application.

    †由于在贷款中添加了付款保护，并且首次付款到期日不是从融资开始的30天，付款示例可能会有所不同.

  • Boat & RV Loans
    calendar Rates Effective: June 24, 2022
    Boat & RV Loan Rates
    Model Year Terms Up To Fixed APR* As Low As Sample Monthly Payment for $40,000†
    Model Year 10 Years old or Newer Terms Up To 96 Months (loans up to $50,000) Fixed APR* As Low As 8.00% Sample Monthly Payment for $40,000† $565
    Model Year 10 Years old or Newer Terms Up To 120 Months (loans up to $150,000) Fixed APR* As Low As 8.75% Sample Monthly Payment for $40,000† $501
    Model Year 10 Years old or Newer Terms Up To 144 Months (loans up to $200,000) Fixed APR* As Low As 9.75% Sample Monthly Payment for $40,000† $472

    *APR = Annual Percentage Rate. 房价如有变动，恕不另行通知. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans. Up to 110% financing available for new autos/motorcycles; NADA retail value for used motorcycles. 可为新旧船只/休闲车提供高达95%的融资. Loan and membership eligibility apply.

    †由于在贷款中添加了付款保护，并且首次付款到期日不是从融资开始的30天，付款示例可能会有所不同.

  • Motorcycle Loans
    calendar Rates Effective: May 1, 2024
    Motorcycle Loan Rates
    Model Year Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,000†
    Model Year New & Used: 2017 and Newer Terms Up To 36 months Fixed APR* As Low As 6.99% Sample Monthly Payment for $20,000† $617
    Model Year New & Used: 2017 and Newer Terms Up To 60 Months Fixed APR* As Low As 7.59% Sample Monthly Payment for $20,000† $402
    Model Year New & Used: 2017 and Newer Terms Up To 72 Months Fixed APR* As Low As 7.89% Sample Monthly Payment for $20,000† $350
    Model Year New & Used: 2017 and Newer Terms Up To 84 Months Fixed APR* As Low As 8.99% Sample Monthly Payment for $20,000† $563 (minimum loan amount $35,000)

    *APR = Annual Percentage Rate. 房价如有变动，恕不另行通知. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans. Up to 110% financing available for new autos/motorcycles; NADA retail value for used motorcycles. 可为新旧船只/休闲车提供高达95%的融资. Loan and membership eligibility apply.

    †由于在贷款中添加了付款保护，并且首次付款到期日不是从融资开始的30天，付款示例可能会有所不同.

  • Personal Loans
    calendar Rates Effective: November 1, 2023
    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 Remainder of Certificate Term 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 $87.45 for $1,000
    Type Personal Loan Loan Maximum $10,000 Term Up To 48 Months APR* As Low As 10.49% Sample Monthly Payment1 $179 for $7,000 or $26 per $1,000
    Type Personal Loan Loan Maximum $20,000 Term Up To 60 Months APR* As Low As 11.49% Sample Monthly Payment1 $220 for $10,000 or $22 per $1,000
    Type Personal Loan Loan Maximum $50,000 Term Up To 72 Months APR* As Low As 11.99% Sample Monthly Payment1 $489 for $25,000 or $20 per $1,000
    Type Personal Line of Credit Loan Maximum $25,000 Term Up To Revolving APR* As Low As 9.75% Sample Monthly Payment1 NA

    *APR = Annual Percentage Rate. Rate subject to change without notice. Rates effective as of May 9, 2023. Members who apply online will receive a 0.25% APR discount on a Personal Loan. Not all applicants will qualify for the lowest rate. 要获得最低利率的资格，会员必须符合信用标准资格并在线申请. Minimum loan amount $1,000. Maximum loan amount $25,000.

    1付款示例可能会有所不同，因为贷款中添加了付款保护，并且首次付款到期日不是融资后30天.

    2必须在申请前至少90天成为会员吗. 所有的账户和贷款必须在过去六个月内是流动的(不是负的或拖欠的). 在过去3个月内不能被拒绝个人贷款. Direct deposit is not required. 但是，过去两个月每个日历月需要存入1 000美元. 每位会员仅可获得一次快速现金贷款，每次仅可获得一次贷款，每滚动12个月最多可获得两次贷款. 目前的快速现金贷款必须有6个月的付款才能再融资. 只有主帐户持有人才可申请快钱. $1,000 Fast Cash with 8.99% interest rate + $40 finance charge = 16.78% APR total. Monthly payment example: 16.78% APR* for 12 months = $87 monthly payment.付款基于交割后30天内的第一个到期日.

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Business Rates

  • Credit Cards
    calendar Rates Effective: January 1, 2023
    Transaction Type Platinum Rewards
    Transaction Type Purchases Platinum Rewards Rates as low as 15.00%
    Transaction Type Cash Advances Platinum Rewards Rates as low as 15.00%
    Transaction Type Balance Transfers Platinum Rewards Rates as low as 15.00%
    Transaction Type Grace period for repayment of balances of purchases Platinum Rewards 25 days on average
    Transaction Type The Balance of Purchases Platinum Rewards Average daily balance (including new purchases)

    Rates and fees for business credit cards only. Does not apply to consumer credit cards. The information about the costs of these Visa® 上述计划在2023年1月1日是准确的. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

    calendar Rates Effective: January 1, 2023
    Business Credit Card Features & Rewards
    Features & Benefits Platinum Rewards
    Features & Benefits Technology Platinum Rewards 带有EMV芯片的非接触式卡片，为防止欺诈提供额外的保护
    Features & Benefits Credit Line Platinum Rewards Up to $50,000
    Features & Benefits Cardholders Platinum Rewards Single or joint account, authorized users
    Features & Benefits Rewards Points Platinum Rewards Earn 1 Point for every dollar on all purchases
    Features & Benefits Rewards Options Platinum Rewards Redeem for cash, travel, merchandise, gift cards
    Features & Benefits Point Limits Platinum Rewards None
    Features & Benefits Point Expiration Platinum Rewards 5 Years

    Rates and fees for business credit cards only. Does not apply to consumer credit cards. The information about the costs of these Visa® 上述计划在2023年1月1日是准确的. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

    calendar Rates Effective: January 1, 2023
    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 Up to 1% of transaction amount

    Rates and fees for business credit cards only. Does not apply to consumer credit cards. The information about the costs of these Visa® 上述计划在2023年1月1日是准确的. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

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