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Arcadia Credit Union - Current Rates as of 2/1/2010
Loans CD's Savings Accounts IRA Checking Health Savings Account
*APR refers to the annual percentage rate or the dividend rate.
**APY refers to the annual percentage yield.

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Loans

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Description Term Payment per $1000 borrowed APR* APR Type
New 2009-2010 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 2 Years $43.76 Monthly 4.75% Fixed
New 2009-2010 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 3 Years $29.97 Monthly 5.00% Fixed
New 2009-2010 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 4 Years $23.14 Monthly 5.25% Fixed
New 2009-2010 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 5 Years $19.22 Monthly 5.75% Fixed
New 2009-2010 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 6 Years $16.81 Monthly 6.50% Fixed
New 2009-2010 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 7 Years $15.09 Monthly 7.00% Fixed
Used 2005-2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 2 Years $43.95 Monthly 5.19% Fixed
Used 2005-2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 3 Years $30.21 Monthly 5.54% Fixed
Used 2005-2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 4 Years $23.43 Monthly 5.89% Fixed
Used 2005-2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 5 Years $19.44 Monthly 6.24% Fixed
Used 2005-2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 6 Years $17.02 Monthly 6.94% Fixed
Used 2005-2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers, 7 Years $15.41 Monthly 7.64% Fixed
Used 2001-2004 Autos, Boats, RVs, Cycles, ATV's Snowmobiles, Campers 2 Years $44.45 Monthly 6.29% Fixed
Used 2001-2004 Autos, Boats, RVs, Cycles, ATV's Snowmobiles, Campers 3 Years $30.71 Monthly 6.64% Fixed
Used 2001-2004 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers 4 Years $23.94 Monthly 6.99% Fixed
Used 2001-2004 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers 5 Years $19.96 Monthly 7.34% Fixed
Used 2001-2004 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers 6 Years $17.55 Monthly 8.04% Fixed
2000 & Older Autos, Boats, RVs, Campers, Cycles, ATV's, Snowmobiles, 2 Years $45.22 Monthly 7.99% Fixed
2000 & Older Autos, Boats, RVs, Campers, Cycles, ATV's, Snowmobiles, 3 Years $31.79 Monthly 8.99% Fixed
2000 & Older Autos, Boats, RVs, Campers, Cycles, ATV's, Snowmobiles, 4 Years $25.36 Monthly 9.99% Fixed
Secured Loans over $1,000 2 Years $48.01 Monthly 13.98% Fixed
Secured Loans over $1,000 3 Years $34.18 Monthly 13.98% Fixed
Secured Loans over $1,000 4 Years $27.83 Monthly 14.98% Fixed
Loans under $1,000 2 Years $49.41 Monthly 16.90% Fixed
Loans under $1,000 3 Years $35.61 Monthly 16.90% Fixed
Loans under $1,000 4 Years $28.81 Monthly 16.90% Fixed
Net Worth Signature Loans 2 Years $45.67 Monthly 8.98% Fixed
Net Worth Signature Loans 3 Years $32.25 Monthly 9.98% Fixed
Net Worth Signature Loans 4 Years $25.83 Monthly 10.98% Fixed
Unsecured Loans 2 Years $48.97 Monthly 15.98% Fixed
Unsecured Loans 3 Years $35.16 Monthly 15.98% Fixed
Unsecured Loan 4 Years $28.34 Monthly 15.98% Fixed
Share Secured Loan 2.00% over deposit rate (Maximum Term = 2 years)
1st Mortgage 30 Years - 10% down - 5 Year Pay on Demand $5.99 Monthly 5.99%  
1st Mortgage 10 Years Fixed  $11.10 Monthly 5.99% Fixed
2nd Mortgage 10 Years Fixed $11.35 Monthly 6.49% Fixed
1st Mortgage Fixed Rate (Secondary Market) 15-20-30 year fixed rates 5% minimum down payment

Rate subject to change daily.  Please call

REAP (Home Equity) Mortgage Rate is prime - .01; changes 1/1 & 7/1 $17.50 Monthly ($50.00 Minimum) 3.24% Variable
Home Construction - Fixed Rate (No points) 6 Months (10-20% down payment) $39.90 Monthly (Interest) 3.99% Fixed
2000-2010 Mobile Homes Fixed Rate - 20% down payment 15 Years $8.43 Monthly 5.99% Fixed
Commercial, Agricultural Real Estate Loans 25 Years - 20% equity - 3 Year Pay on Demand $6.44 Monthly 5.99%  
On the 1st Mortgage 5 year pay on demand, 1st Mortgage 10 year fixed rate, and 2nd Mortgage Loans, Maximum closing costs = $250.00 with 10% down; $125.00 with 20% down.

For Fixed rate 1st Mortgages, 15-20-30 Years, 5% down payment is required, please call for rates as they change daily.

     

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Certificates of Deposit (CD)

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Minimum Deposit Term Dividend Rates **APY
$500.00 3 Years 1.99% 2.00%
$500.00 2 Years 1.89% 1.90%
$500.00 18 Months 1.79% 1.80%
$500.00 1 Year 1.60% 1.60%
$20,000.00 1 Year 1.70% 1.70%
$5,000.00 1 Year (Monthly Dividends) 1.69% 1.70%
$250.00 9 Months (Add on CD) 1.49% 1.50%
$500.00 6 Months 1.39% 1.40%
$500.00 3 Months 1.29% 1.30%

Members should call the credit union to verify rates.

NOTE: Early withdrawal from cd will be subject to a 90 day dividend penalty. 

[penalty for 3 month cd = 30 day]

Contact us to find out if there are any fees on these accounts that could reduce your earnings.
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Savings/Shares Rates

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Description Minimum Deposit Dividend Rates **APY
Regular Share $25.00 .50% .50%
Fun Share (Dreamsaver Account) $25.00 1.00% 1.00%
Super Share $25.00 - $2,000.00 .50% .50%
Super Share $2,000.01 - $10,000.00 .50% .50%
Super Share $10,000.01 - $40,000.00 .75% .75%
Super Share $40,000.01 and up 1.00% 1.00%
Special Purpose $25.00 - $2,000.00 .75% .75%
Special Purpose $2,000.01 - $10,000.00 1.00% 1.00%
Special Purpose $10,000.01 - $40,000.00 1.24% 1.25%
Special Purpose $40,000.01 and up 1.49% 1.50%
Christmas Club $5.00 2.96% 3.00%

Members should call the credit union to verify rates.

Contact us to find out if there are any fees on these accounts that could reduce your earnings.

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IRAs   (more info)

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Description Minimum Deposit Term         Dividend          Rates **APY
IRA (Traditional, Roth, Roth Conversion, Coverdell) $25.00 N/A 1.69% 1.70%
Certificate - IRA (Traditional, Roth, Coverdell) $2,000.00 1 Year 1.70% 1.70%

Members should call the credit union to verify rates.
NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.  Contact us to find out if there are any fees on these accounts that could reduce your earnings.


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Share Draft (Checking)

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Description Minimum Deposit Dividend Rates **APY
CHECKING $.01 - $2,000.00 .25% .25%
CHECKING $2,000.01 - $10,000.00 .50% .50%
CHECKING $10,000.01 - $40,000.00 .75% .75%
CHECKING $40,000.01 and up 1.00% 1.00%

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HSA's (Health Savings Account)   (more info)

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Description Dividend Compounded Dividend Added to Account Minimum Deposit to earn dividend Current Rate APY
HEALTH SAVINGS ACCOUNT Daily Monthly $25.00 and up 1.69% 1.70%

Members should call the credit union to verify rates.

Contact us to find out if there are any fees on these accounts that could reduce your earnings.

 
 

Arcadia Credit Union  ~   Founded in 1963   ~    Serving Trempealeau, Buffalo, Chippewa, Eau Claire, Jackson, and La Crosse Counties in Wisconsin along with Winona County in Minnesota

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