AUTO & REC VEHICLE RATES AS LOW AS 1.99% APR
- Includes cars, boats and other recreational vehicles
- Model years 2016 and newer
- Our rates are not based on credit score - contact a lender to learn more
*APR= Annual Percentage Rate. Promotional rates and terms apply to new loans to the Arcadia Credit Union, existing loans with $5,000 or more of added new money or refinances from another financial institution. Membership eligibility required. Rates subject to change. Limited time offer.
Click here to request info or apply for your new car or truck loan https://www.arcadiacu.com/loans-credit/personal-loans/auto-loans.html
Click here to request info or apply for your new recreational vehicle loan https://www.arcadiacu.com/loans-credit/personal-loans/recreational-vehicle-loans.html
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Rates listed below are effective as of November 1, 2021 and are subject to change
*APY = ANNUAL PERCENTAGE YIELD / APR = ANNUAL PERCENTAGE RATE
Auto and Recreational Loans Learn More
| Model Year | Annual Percentage Rate (APR) |
|---|---|
| 2022 - 2016 | as low as 1.99% |
| 2015 - 2011 | as low as 3.74% |
| 2010 - 2006 | as low as 4.74% |
- Rates apply to auto, boat, RV, cycle, ATV, snowmobile and camper loans.
- Fixed Rates. Up to 100% financing.
- Rates are based on term of loan and age of collateral.
- Contact a loan officer for current rates on personal loans, share secured loans and other secured loan options.
Savings Learn More
| Description | Minimum Deposit to Earn Dividend | Rate | APY* |
|---|---|---|---|
| Super Share | $25.00 - $2,000.00 | 0.15% | 0.15% |
| Super Share | $2,000.01 - $10,000.00 | 0.15% | 0.15% |
| Super Share | $10,000.01 - $40,000.00 | 0.15% | 0.15% |
| Super Share | $40,000.01 and up | 0.20% | 0.20% |
| Special Purpose Share | $25.00 - $2,000.00 | 0.20% | 0.20% |
| Special Purpose Share | $2,000.01 - $10,000.00 | 0.20% | 0.20% |
| Special Purpose Share | $10,000.01 - $40,000.00 | 0.25% | 0.25% |
| Special Purpose Share | $40,000.01 and up | 0.30% | 0.30% |
| Saver's Sweepstakes Savings | $25.00 | 0.25% | 0.25% |
| Fun Share - (Dreamsaver Account) | $25.00 | 0.35% | 0.35% |
| Christmas Club Share | $5.00 | 1.20% | 1.21% |
| Free Kasasa Saver® | $.01-$25,000.00 | 1.00% ** | 1.01%** |
| Free Kasasa Saver® | Over $25,000.01 | 0.30% ** | 1.01-0.48% ** |
| Free Kasasa Saver® | $.01 | 0.05% ** | 0.05% ** |
- 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 Kasasa Cash® or Kasasa Cash Back® checking account in order to open a Kasasa Saver® account. The Kasasa Cash® or Kasasa Cash Back® account must remain open throughout the period that you hold the Kasasa Saver® account.
When your linked Kasasa Cash® or Kasasa Cash Back® checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Saver® account earn an APY of 1.01% APY and daily balances over $25,000 earn a dividend rate of 0.30% on the portion of the daily balance over $25,000, resulting in a range from 1.01% to 0.48% APY depending on the account's daily balance.
When your linked Kasasa Cash® or Kasasa Cash Back® qualifications are not met during a Monthly Qualification Cycle: the entire daily balance in the Kasasa Saver® account earns 0.05% APY.
Share Certificates (CDs) Learn More
| Term | Minimum Deposit to Earn Dividend | Rate | APY* |
|---|---|---|---|
| 36 Months | $500.00 | 0.70% | 0.70% |
| 24 Months | $500.00 | 0.60% | 0.60% |
| 18 Months | $500.00 | 0.50% | 0.50% |
| 12 Months | $500.00 | 0.40% | 0.40% |
| 12 Months | $20,000.00 | 0.45% | 0.45% |
| 12 Months (Monthly Dividends) | $1,000.00 | 0.40% | 0.40% |
| 9 Months (Add on CD) | $250.00 | 0.30% | 0.30% |
| 6 Months | $500.00 | 0.25% | 0.25% |
| 3 Months | $500.00 | 0.20% | 0.20% |
- 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.
Checking Learn More
| Description | Minimum Deposits to Earn Dividend/Reward | Rate | APY* |
|---|---|---|---|
| Free Share Draft | $.01-$2,000.00 | 0.05% | 0.05% |
| Free Share Draft | $2,000.01-$10,000.00 | 0.10% | 0.10% |
| Free Share Draft | $10,000-$40,000.00 | 0.15% | 0.15% |
| Free Share Draft | $40,000.01 and up | 0.15% | 0.15% |
| Free Kasasa Cash® Checking | $.01-$15,000.00 | 3.20% ** | 3.25% ** |
| Free Kasasa Cash® Checking | Over $15,000.01 | 0.30% ** | 3.25%-0.74% ** |
| Free Kasasa Cash® Checking | $.01 | 0.05% ** | 0.05% ** |
| Free Kasasa Cash Back® Checking | $0.01 | See Details |
- 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 Free Kasasa Cash® and Free Kasasa 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 twelve (12) signature-based debit card purchases
- Be enrolled in and have agreed to receive e-statements rather than paper statements.
When your Kasasa Cash® 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 Kasasa Cash® checking qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded.
Individual Retirement Accounts (IRAs) Learn More
| Description | Minimum Deposit to Earn Dividend | Term | Rate | APY* |
|---|---|---|---|---|
| IRA Share (Traditional, Roth, Roth Conversion, Coverdell) |
$25.00 | N/A | 0.40% | 0.40% |
| Share Certificate - IRA (Traditional, Roth) | $2,000.00 | 1 Year | 0.45% | 0.45% |
| Share Certificate - IRA (Traditional, Roth) | $20,000.00 | 1 Year | 0.50% | 0.50% |
- 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.
- Early withdrawal from IRA Share Certificates 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.
Health Savings Accounts (HSAs) Learn More
| Minimum Deposit to Earn Dividend | Rate | APY* |
|---|---|---|
| $25.00 and up | 0.45% | 0.45% |
- 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.