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Open to the Community of Antioch

Loan Rates

Effective February 27, 2015

Interest rates are set by the Board of Directors and are subject to change and "On Approved Credit".

We strive to match dealer or other lender rates. If you are offered a lower rate, bring that offer to the Credit Union and we may be able to match it. You may be eligible for an interest rate reduction on your loan. Depending upon the services you currently use at ACFCU you may earn up to .15 basis points or .15% reduction to your rate. All rates listed for Consumer Loans are "A+" RATES and are subject to our RISK BASED LENDING POLICY. 

Loans                                                                                  Rate APR* Term
Fixed Rate Loans      

New Autos- Up to 100% Financing

2.65

3.25++

3.85++

2.65

3.25++

3.85++

60 Mos.

72 Mos.

84 Mos.

Used Autos- Mid Blue Book

2.65

3.25

3.85

4.25++

2.65

3.25

3.85

4.25++

36 Mos.

48 Mos.

60 Mos.

72 Mos.

       
New Recreational Vehicles- 80% of Invoice

7.30

7.55

7.80

 

7.30

7.55

7.80

 

60 Mos.

84 Mos.

120 Mos.

 

Used Recreational Vehicles-80% Appraisal or
Mid Blue Book

7.80

8.05

8.30

7.80

8.05

8.30

60 Mos.

84 Mos.

120 Mos.

       
High End Motorcycles- Over $25,000 Up to 100% Financing

6.80

7.30

8.30

6.80

7.30

8.30

60 Mos.

72 Mos.

84 Mos.

New Motorcycles- 80% of Invoice

7.55

7.80

8.05

7.55

7.80

8.05

48 Mos.

60 Mos.

72 Mos.

Used Motorcycles- 80% of Appraisal

8.05

8.30

8.55

8.05

8.30

8.55

48 Mos.

60 Mos.

72 Mos.

       
Signature Loan- $10,000 maximum per member 7.99 7.99 36 Mos.
Line of Credit- $10,000 maximum per member 9.99 9.99 36 Mos.
       
Owner Advantage I- Up to $15,000- Closed end loan 100% LTV A+ Paper= 5.00** A+ Paper= 5.00** 60 Mos.
  A Paper= 5.50** A Paper= 5.50** 60 Mos.
  B Paper= 6.00** B Paper= 6.00** 60 Mos.
  C Paper= 6.50** C Paper= 6.50** 60 Mos.
  D Paper= 7.00** D Paper= 7.00** 60 Mos.
       
Owner Advantage II- Up to $50,000- Closed end loan 80% LTV A+ Paper= 5.00** A+ Paper= 5.00** 120 Mos.
 

A Paper= 5.50**

A Paper= 5.50**

120 Mos.
 

B Paper= 6.00**

B Paper= 6.00**

120 Mos.
 

C Paper= 6.50**

C Paper= 6.50**

120 Mos.
   D Paper= 7.00**  D Paper= 7.00** 120 Mos.
       
Variable Rate Loans      
Share Secured Div + 3% Div + 3% 120 Mos.
Home Equity Line of Credit- Up to $100,000 A+ Paper=
Prime
A+ Paper=
Prime
180 Mos.
Home Equity Line of Credit- Up to $100,000 A Paper=
Prime+.50%
A Paper=
Prime+.50%
180 Mos.
Home Equity Line of Credit- Up to $100,000 B Paper=
Prime+1.50%
B Paper=
Prime+1.50%
180 Mos.
Home Equity Line of Credit- Up to $100,000 C Paper=
Prime+2.50%
C Paper=
Prime+2.50%
180 Mos.
Home Equity Line of Credit- Up to $100,000

D Paper=
Prime+3.50%

D Paper=
Prime+3.50%

180 Mos.


* APR= Annual Percentage Rate
** Closed End= Term= Month
+ Secured by a Deed of Trust, rate varies quarterly, based on Prime. Floor of 4.00% APR, Ceiling of 18.00%APR.
++ Available if loan exceeds $10,000.00.

Rates shown for Consumer Loans are "A+" RATES. Your rate may vary depending upon your credit history. 


Home Loans
Effective March 1, 2014

First Deed of Trust contact Desiree in the Loan Department for current rates.

Subject to credit approval and ACFCU's Risk Based Lending. Rates subject to change.
Please call the office at 925-757-1320 for the details.


We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts my be reflected in your credit report.


Location
301 G Street
Antioch, CA 94509
(Corner of 3rd & G Streets, Downtown)
Map/Directions
Contact Information
Tel: 925-757-1320
Fax: 925-757-1486
Lost or Stolen Debit Card: 888-241-2510 Outside US: 909-941-1398
Hours
Mon-Thur 9:00 a.m. to 4:30 p.m.
Fri 9:00 a.m. to 5:00 p.m.
Bank Routing Info
Antioch Community
Federal Credit Union
Routing Number: 321171427

Copyright 1999-2014 Antioch Community Federal Credit Union All Rights Reserved.