Rates

• Rates apply to auto, boat, RV, cycle, ATV, snowmobile and camper loans.
• Fixed Rates. Up to 125% financing.
• Rates are based on term of loan and age of collateral.
• Rates are not based on credit score.
• Contact a loan officer for current rates on personal loans, share secured loans and other secured loan options.

*3.44% APR promotional rate: Financing available to qualified members for new or used automobiles, trucks, motorcycles, and ATVs, including refinances from another financial institution. Eligible vehicles must be model year 2022 or newer. Loan term restrictions may apply based on vehicle model year and other underwriting criteria. Example: At 3.44% APR for 24 months, the estimated monthly payment is $43.18 per $1,000 borrowed. Rates and terms are determined by vehicle model year and qualifying account relationships with Arcadia Credit Union. Existing Arcadia CU vehicle and recreational vehicle loans with less than $3,000 added new money do not qualify. Membership eligibility is required. All loans are subject to underwriting approval. Rates, terms, and offers are subject to change without notice.

• Rates and APY are subject to change at any time.
• Members should call the credit union to verify rates.
• Contact us to find out if there are any fees on these accounts that may reduce your earnings.

** Qualifications: You must have a linked ACU Supreme  or ACU Cash Back checking account in order to open an ACU Saver account. The ACU Supreme or ACU Cash Back checking account must remain open throughout the period that you hold the ACU Saver account.

When your linked checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your ACU Saver account earn an APY of 1.01% APY and daily balances over $25,000 earn a dividend rate of 0.75% on the portion of the daily balance over $25,000, resulting in a range from 1.01% to 0.81% APY depending on the account's daily balance.

When your linked checking account qualifications are not met during a Monthly Qualification Cycle: the entire daily balance in the ACU Saver account earns 0.05% APY.

• Rates and APY are subject to change at any time.
• Members should call the credit union to verify rates.
• Early withdrawal from a Share Certificate will be subject to a 90-day dividend penalty.
• Early withdrawal from a 3-month Share Certificate will be subject to a 30-day dividend penalty.
• Contact us to find out if there are any fees on these accounts that may reduce your earnings.

• Rates and APY are subject to change at any time.
• Members should call the credit union to verify rates.
• Contact us to find out if there are any fees on these accounts that may reduce your earnings.

**Qualifications: To earn rewards on your ACU Supreme & ACU Cash Back checking accounts, the following enrollments must be in place and all transactions and activities must post and settle during each Monthly Qualification Cycle:

• At least one direct deposit, ACH credit, or ACH payment transaction(s)
• At least ten (10) signature-based debit card purchases
• Be enrolled in and have agreed to receive e-statements rather than paper statements.
• One (1) Online Banking or Mobile Banking login per monthly qualification cycle.

When your ACU Supreme Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 earn an APY of 3.25% and daily balances over $15,000 earn a dividend rate of 0.30% on the portion of the daily balance over $15,000 resulting in a range from 3.25% to 0.74% APY depending on the account's daily balance. When ACU Supreme Checking account qualifications are not met, all balances earn 0.05% APY and ATM withdrawal fees are not refunded.

ACU Cash Back Checking Accounts earn 3.25% cash back on debit card purchases

Cash back earned up to $300 in purchases monthly, earning up to $117 cash back per year, or $9.75 per month. No category restrictions on purchases.

• Rates and APY are subject to change at any time.
• Members should call the credit union to verify rates.
• Rates are set semi-annually on January 1st and July 1st.
• Contact us to find out if there are any fees on these accounts that may reduce your earnings.

• Rates and APY are subject to change at any time.
• Members should call the credit union to verify IRA rates.
• Early withdrawal from an IRA Share Certificate will be subject to a 90-day dividend penalty.
• Contact us to find out if there are any fees on these accounts that may reduce your earnings.

• Rates and APY are subject to change at any time.
• Members should call the credit union to verify rates.
• Contact us to find out if there are any fees on these accounts that may reduce your earnings.