Rates
Rates Effective: October 1, 2024
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Current Prime Rate = 8.00%
|
Balance |
Dividend Rate |
APY |
|---|---|---|
|
* To earn your rewards, simply do the following activities and transactions in your PowerPlus Checking Cash account each monthly qualification cycle:
This is a variable-rate product, meaning that the rate may change after the account is opened. This account may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account. |
||
|
Balance $0 - $12,000 |
Dividend Rate 3.00% |
APY 3.00% |
|
Balance $12,000.01 or more |
Dividend Rate 0.15% |
APY 3.00% to 0.45% |
|
Balance All balances if monthly qualifications not met* |
Dividend Rate 0.05% |
APY 0.05% |
|
Account Type |
Dividend Rate |
APY |
|---|---|---|
|
*APY = Annual Percentage Yield. 3.00% APY is for balances up to $1,500. Balances over $1,500 earn 0.50% APY. |
||
|
Account Type Primary Share Savings |
Dividend Rate 0.10% |
APY 0.10% |
|
Account Type Club Savings Account |
Dividend Rate 0.10% |
APY 0.10% |
|
Account Type Journey Accounts |
Dividend Rate 3.00%* |
APY 3.00%* |
|
Balance |
Dividend Rate |
APY |
Minimum Deposit |
|---|---|---|---|
|
Dividends are compounded and paid monthly |
|||
|
Balance $1 - $14,999.99 |
Dividend Rate 0.90% |
APY 0.90% |
Minimum Deposit $500 |
|
Balance $15,000 - $39,999.99 |
Dividend Rate 0.95% |
APY 0.95% |
Minimum Deposit $15,000 |
|
Balance $40,000 or more |
Dividend Rate 1.00% |
APY 1.00% |
Minimum Deposit $40,000 |
|
Account Type |
Minimum Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
*Share Certificate/IRA Early Withdrawal Penalty: If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn. NOTE: Each member account including IRA’s are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF). Substantial penalty for early withdrawal of Share Certificates. Early withdrawal of IRA Share Certificates also incur an IRS tax penalty. IRA Certificates includes Traditional and Roth IRAs. Complete terms and conditions available at any AFFCU branch or you may call (410) 584-7474 or 1-800-505-7476. 1 IRA option available. Minimum balance is $100. 2 Rates effective as of August 1, 2024 and subject to change without notice. |
|||
|
Account Type Easy Way IRA |
Minimum Balance $100 |
Dividend Rate 0.30% |
APY 0.30% |
|
Account Type 3 Month Share Certificate |
Minimum Balance $500 |
Dividend Rate 2.72% |
APY 2.75% |
|
Account Type 6 Month Share Certificate |
Minimum Balance $500 |
Dividend Rate 3.20% |
APY 3.25% |
|
Account Type 1 Year Share Certificate1 |
Minimum Balance $500 |
Dividend Rate 4.17% |
APY 4.25% |
|
Account Type 1 Year Jumbo Share Certificate1 |
Minimum Balance $50,000 |
Dividend Rate 4.22% |
APY 4.30% |
|
Account Type 2 Year Share Certificate1 |
Minimum Balance $1,000 |
Dividend Rate 4.22% |
APY 4.30% |
|
Account Type 2 Year Jumbo Share Certificate1 |
Minimum Balance $50,000 |
Dividend Rate 4.27% |
APY 4.35% |
|
Account Type 3 Year Share Certificate Step Up1 |
Minimum Balance $1,000 |
Dividend Rate 3.54% |
APY 3.60% |
|
Account Type 3 Year Share Certificate1 |
Minimum Balance $1,000 |
Dividend Rate 3.59% |
APY 3.65% |
|
Account Type 3 Year Jumbo Share Certificate1 |
Minimum Balance $50,000 |
Dividend Rate 3.64% |
APY 3.70% |
|
Account Type 5 Year Share Certificate Step Up1 |
Minimum Balance $2,500 |
Dividend Rate 3.64% |
APY 3.70% |
|
Account Type 5 Year Share Certificate1 |
Minimum Balance $2,500 |
Dividend Rate 3.69% |
APY 3.75% |
|
Account Type 5 Year Jumbo Share Certificate1 |
Minimum Balance $50,000 |
Dividend Rate 3.74% |
APY 3.80% |
|
Balance |
Dividend Rate |
APY |
|---|---|---|
|
Dividends are compounded and paid monthly. *Share Certificate Early Withdrawal Penalty: An early withdrawal is subject to penalty which will reduce earnings. If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn. This account may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account. |
||
|
Balance $25 - $499.99 |
Dividend Rate 4.02% |
APY 4.10% |
|
Balance $500 - $4,999.99 |
Dividend Rate 4.07% |
APY 4.15% |
|
Balance $5,000 or more |
Dividend Rate 4.12% |
APY 4.20% |
|
Balance |
Dividend Rate |
APY |
|---|---|---|
|
Dividends are compounded and paid monthly *Share Certificate Early Withdrawal Penalty: An early withdrawal is subject to penalty which will reduce earnings. If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn. This account may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account. |
||
|
Balance $25 - $499.99 |
Dividend Rate 4.07% |
APY 4.15% |
|
Balance $500 - $4,999.99 |
Dividend Rate 4.12% |
APY 4.20% |
|
Balance $5,000 or more |
Dividend Rate 4.17% |
APY 4.25% |
|
Dividend Rate |
APY |
Minimum Deposit |
|---|---|---|
|
Dividends are compounded and paid monthly |
||
|
Dividend Rate 0.50% |
APY 0.50% |
Minimum Deposit $0 |
|
Credit Card |
APR as low as |
Annual Fee |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are based on your creditworthiness when you open your account. Actual rate subject to application and credit review. Variable-rate is subject to change without notice and APR will vary with the market, based on the Prime Rate. Prime rate is published by the Wall Street Journal. Contact us at 410-584-7474 for disclosure information. Visa Foreign Transaction Fees: 1% of each multiple currency transaction in U.S. dollars. |
||
|
Credit Card Visa Platinum Rewards |
APR as low as 14.99%* |
Annual Fee None |
|
Credit Card Visa Platinum |
APR as low as 12.99%* |
Annual Fee None |
|
Credit Card Share Secured Visa |
APR as low as 9.95%** |
Annual Fee None |
|
Term |
APR as low as* |
Monthly Payment per $1,000 |
|---|---|---|
|
A used vehicle is classified as a vehicle one or more years older than current model year, or current model year vehicle with over 5,000 miles. |
||
|
Term Up to 60 months |
APR as low as* 5.49% |
Monthly Payment per $1,000 $19.10 |
|
Term 72 months** |
APR as low as* 6.49% |
Monthly Payment per $1,000 $16.81 |
|
Term 84 months** |
APR as low as* 6.99% |
Monthly Payment per $1,000 $15.09 |
|
Term |
APR as low as* |
Monthly Payment per $1,000 |
|---|---|---|
|
*APR = Annual Percentage Rate. Actual rate will vary based on credit review and income. Advertised as low as rate includes a rate discount of 1.00% for having a checking account with a direct deposit established totaling at least $1,500 per month to an AFFCU account and have automatic loan payment transfers setup from an AFFCU account. |
||
|
Term Up to 60 months |
APR as low as* 9.24% |
Monthly Payment per $1,000 $20.88 |
|
Term 72 months |
APR as low as* 9.74% |
Monthly Payment per $1,000 $18.39 |
|
Term |
APR as low as* |
Monthly Payment per $1,000 |
|---|---|---|
|
*APR = Annual Percentage Rate. Actual rate will vary based on credit review and income. Advertised as low as rate includes a rate discount of 1.00% for having a checking account with a direct deposit established totaling at least $1,500 per month to an AFFCU account and have automatic loan payment transfers setup from an AFFCU account. |
||
|
Term Up to 60 months |
APR as low as* 8.49% |
Monthly Payment per $1,000 $20.51 |
|
Term 72 months |
APR as low as* 8.99% |
Monthly Payment per $1,000 $18.02 |
|
Term 84 months |
APR as low as* 9.49% |
Monthly Payment per $1,000 $16.34 |
First Mortgages & Refinancing
Mortgage rates change daily and vary by loan type and term.
View Today’s Mortgage RatesFor mortgage assistance contact AFFCU’s Mortgage Specialist at (410) 584-7474.
|
Loan Type |
APR as low as |
Monthly Payment |
|---|---|---|
|
*Borrow up to 85% of your home value with a maximum of $200,000. Fixed payment examples are based on a $10,000 loan. Home Equity Line of Credit (HELOC) payment example is based on $10,000 loan with a 15-year repayment schedule. HELOC’s have a 5 year draw period with 5/10/15 year repayment schedules available. HELOC’s are variable rate products. Home Equity product rates are based on prime rate +. Current prime rate is 8% and is updated on the last business day of the month as published in the Wall Street Journal. Rate is subject to change. Speak with a Lending representative at 410-584-7474 about closing costs. **Credit Union will pay closing costs up to $1,400 with the requirement of a minimum advance of at least $50,000 on a home equity line-of-credit or a minimum loan amount of $50,000 on a home equity loan. Maximum Annual Percentage Rate (APR) is 18.00%. |
||
|
Loan Type Home Equity Line-Of-Credit Up to 15 Years (Member paid closing costs) |
APR as low as 7.75% |
Monthly Payment $94.13 |
|
Loan Type Home Equity Line-Of-Credit Up to 15 Years (AFFCU paid closing costs**) |
APR as low as 8.75% |
Monthly Payment $99.94 |
|
Loan Type |
APR as low as |
Monthly Payment |
|
Loan Type Home Equity Loan (fixed) Up to 15 Years (Member paid closing costs) |
APR as low as 6.50% |
Monthly Payment $87.11 |
|
Loan Type Home Equity Loan (fixed) Up to 15 Years (AFFCU paid closing costs**) |
APR as low as 7.50% |
Monthly Payment $92.70 |
|
Term |
APR as low as |
Monthly Payment per $1,000 |
|---|---|---|
|
*APR = Annual Percentage Rate. Actual rate may vary and based on credit review and application. Rates based on loan term. Terms available from 12- to 60-months. The maximum allowable APR is 18.00%. Advertised as low as rate includes rate discount of 1.00% for having a checking account with a direct deposit established totaling at least $1,500 per month to an AFFCU account and have automatic loan payment transfers setup from an AFFCU account. All Personal loans have a maximum loan amount of up to $30,000 based on credit score. Eligible loan amount based on credit review. A representative payment example for a personal loan in the amount of $10,000 with a term of 60-months at a non-variable interest rate of 7.24% APR would equal $199.15 per month. This equates to $11,948.78 over the life of the loan. |
||
|
Term Up to 60 months |
APR as low as 8.24%* |
Monthly Payment per $1,000 $20.39 |
|
Maximum Term |
APR as low as |
Monthly Payment per $1,000 |
|---|---|---|
|
* Share rate + 3.85%. Subject to change without notice. |
||
|
Maximum Term 60 months |
APR as low as 3.95% |
Monthly Payment per $1,000 $10.10 |
|
APR as low as |
Monthly Payment per $1,000 |
Maximum Loan Amount |
|---|---|---|
|
* APR = Annual Percentage Rate. Actual rate will vary based on credit review. Payment will vary based on 2% of the current balance. |
||
|
APR as low as 10.70%* |
Monthly Payment per $1,000 Varies* |
Maximum Loan Amount $7,500 |
|
APR |
Monthly Payment per $1,000 |
Maximum Loan Amount |
|---|---|---|
|
* APR = Annual Percentage Rate. Payment will vary based on 2% of the current balance. |
||
|
APR 18.00%* |
Monthly Payment per $1,000 Varies* |
Maximum Loan Amount $250 |
|
Service |
Rate |
|---|---|
|
All boxes are 26 inches long Contents of Safe Deposit Boxes are not insured or guaranteed by the credit union, the NCUA, or by any other government agency. |
|
|
Service 3x5 Deposit Box |
Rate $24.00/year |
|
Service 3x10 Deposit Box |
Rate $54.00/year |
|
Service 5x5 Deposit Box |
Rate $54.00/year |
|
Service 5x10 Deposit Box |
Rate $75.00/year |
|
Service 10x10 Deposit Box |
Rate $144.00/year |
|
Service Replacement key |
Rate $10.00 |
|
Service Drill box |
Rate $300.00 |
|
Special Account Processing Services |
Service Fee |
|---|---|
|
*Information is accessible for free through AFFCU Online and Mobile Banking and PAT automated phone system. ***Fee is waived if card is stolen and a police report is provided. |
|
|
Special Account Processing Services Acct reconcilement per hour |
Service Fee $10.00 |
|
Special Account Processing Services Acct history subledger printed (per page) |
Service Fee $1.00* |
|
Special Account Processing Services Certified Check |
Service Fee $10.00 |
|
Special Account Processing Services Check copies (each) |
Service Fee $5.00* |
|
Special Account Processing Services Collection funds transfer |
Service Fee $5.00 |
|
Special Account Processing Services Deposit & payment receipts mailed |
Service Fee $2.00 |
|
Special Account Processing Services Dormant account fee (per month) |
Service Fee $5.00 |
|
Special Account Processing Services Foreign ATM transactions |
Service Fee $2.00 |
|
Special Account Processing Services Garnishment |
Service Fee $100.00 |
|
Special Account Processing Services HSA Origination (1-time set up fee) |
Service Fee $10.00 |
|
Special Account Processing Services Insufficient funds returned item (any party) |
Service Fee $25.00 |
|
Special Account Processing Services Loan late payment (per month) |
Service Fee $25.00 |
|
Special Account Processing Services MAC (Member Acct Courtesy) (per occurrence) |
Service Fee $25.00 |
|
Special Account Processing Services Money Market low balance (per month) |
Service Fee $5.00 |
|
Special Account Processing Services Money orders |
Service Fee $5.00 |
|
Special Account Processing Services Loan Payments by Debit or Credit Card Fee (Online & Phone) |
Service Fee $10.00 |
|
Special Account Processing Services Paper Statement Fee (Applicable to members age 18 through 64 years old) |
Service Fee $1.00 |
|
Special Account Processing Services Phone Assistance Fee |
Service Fee $2.00* |
|
Special Account Processing Services Share acct low balance (per month) |
Service Fee $2.00 |
|
Special Account Processing Services Share closed within 31 days of opening |
Service Fee $5.00 |
|
Special Account Processing Services Share withdrawal check mailed |
Service Fee $2.00 |
|
Special Account Processing Services Share withdrawal check to 2nd party |
Service Fee $2.00 |
|
Special Account Processing Services Statement returned for bad address (per month) |
Service Fee $5.00 |
|
Special Account Processing Services Statement/Account summary copy |
Service Fee $5.00* |
|
Special Account Processing Services Stop payment fee (All checks and ACH payments)
|
Service Fee
$10.00 |
|
Special Account Processing Services VISA Credit Card late payment (per month) |
Service Fee $25.00 |
|
Special Account Processing Services VISA debit/credit card replaced*** |
Service Fee $10.00 |
|
Special Account Processing Services VISA card shipped Standard 1st Class |
Service Fee $10.00 |
|
Special Account Processing Services VISA card shipped 2-Day Rush |
Service Fee $37.50 |
|
Special Account Processing Services VISA card shipped Overnight |
Service Fee $69.50 |
|
Special Account Processing Services VISA sales draft copy |
Service Fee $5.00 |
|
Special Account Processing Services Wire transfer - domestic |
Service Fee $25.00 |
|
Special Account Processing Services Wire transfer - foreign |
Service Fee $50.00 |