AUTO & REC LOANS - RATES AS LOW AS 2.24% APR!!!
- Includes boats and other recreational vehicles
- Model years 2015 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 Arcadia Credit Union, existing loans with $5,000 or more of added new money or refinances from another financial institution.
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 May 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) |
|---|---|
| 2021 - 2017 | as low as 3.49% |
| 2016 - 2011 | as low as 3.74% |
| 2010 - 2006 | as low as 4.74% |
Promotional annual percentage rates as low as 2.24% apply to new loans to Arcadia Credit Union, existing loans with $5,000 or more of added new money or loans refinanced from another financial institution.
- 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.