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Rates

Rates Effective: August 1, 2020

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Current Prime Rate = 3.25%

PowerPlus Checking

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:

  • Must have at least $3,500 in total direct deposit post and settle each month
  • Login to AFFCU online or mobile banking at least once per month

Balance

$0 - $12,000

Dividend Rate

3.00%

APY

3.00%

Balance

$12,000.01 or more

Dividend Rate

0.50%

APY

3.00% to 0.45%

Balance

All balances if monthly qualifications not met*

Dividend Rate

0.05%

APY

0.05%

 

Savings Account (Primary Share Savings and Club Savings)

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%*

 

Money Market

Balance

Dividend Rate

APY

Minimum Deposit

Dividends are compounded and paid monthly
*Interest will accrue on average daily balance as long as minimum balance requirement is met.

Balance

$1 - $14,999.99

Dividend Rate

0.15%

APY

0.15%

Minimum Deposit

$500

Balance

$15,000 - $39,999.99

Dividend Rate

0.20%

APY

0.20%

Minimum Deposit

$15,000

Balance

$40,000 or more

Dividend Rate

0.25%

APY

0.25%

Minimum Deposit

$40,000

 

Share Certificates and IRAs (Easy Way IRA, Share and IRA Certificates)*

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Penalty: If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn.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 A rate step up is available after 1 year, but must be requested when originally opened.

Account Type

Easy Way IRA

Minimum Balance

$100

Dividend Rate

0.25%

APY

0.25%

Account Type

3 Month Share Certificate

Minimum Balance

$500

Dividend Rate

0.20%

APY

0.20%

Account Type

6 Month Share Certificate

Minimum Balance

$500

Dividend Rate

0.20%

APY

0.20%

Account Type

1 Year Share Certificate1

Minimum Balance

$500

Dividend Rate

0.40%

APY

0.40%

Account Type

1 Year Jumbo Share Certificate1

Minimum Balance

$50,000

Dividend Rate

0.45%

APY

0.45%

Account Type

2 Year Share Certificate1

Minimum Balance

$1,000

Dividend Rate

0.55%

APY

0.55%

Account Type

2 Year Jumbo Share Certificate1

Minimum Balance

$50,000

Dividend Rate

0.60%

APY

0.60%

Account Type

3 Year Step Up Share Certificate1,2

Minimum Balance

$1,000

Dividend Rate

0.55%

APY

0.55%

Account Type

3 Year Share Certificate1

Minimum Balance

$1,000

Dividend Rate

0.60%

APY

0.60%

Account Type

3 Year Jumbo Share Certificate1

Minimum Balance

$50,000

Dividend Rate

0.65%

APY

0.65%

Account Type

5 Year Step Up Share Certificate1,2

Minimum Balance

$2,500

Dividend Rate

0.75%

APY

0.75%

Account Type

5 Year Share Certificate1

Minimum Balance

$2,500

Dividend Rate

0.80%

APY

0.80%

Account Type

5 Year Jumbo Share Certificate1

Minimum Balance

$50,000

Dividend Rate

0.85%

APY

0.85%

 

1-Year Add and Earned Share Certificate

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.

Balance

$25 - $499.99

Dividend Rate

0.25%

APY

0.25%

Balance

$500 - $4,999.99

Dividend Rate

0.30%

APY

0.30%

Balance

$5,000 or more

Dividend Rate

0.35%

APY

0.35%

 

2-Year Add and Earned Share Certificate

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.

Balance

$25 - $499.99

Dividend Rate

0.40%

APY

0.40%

Balance

$500 - $4,999.99

Dividend Rate

0.45%

APY

0.45%

Balance

$5,000 or more

Dividend Rate

0.50%

APY

0.50%

 

Health Savings Account

Dividend Rate

APY

Minimum Deposit

Dividends are compounded and paid monthly
*Interest will accrue on average daily balance as long as minimum balance requirement is met.

Dividend Rate

0.50%

APY

0.50%

Minimum Deposit

$0

Visa Credit Cards

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.

Credit Card

Visa Platinum Rewards

APR as low as

10.24%*

Annual Fee

None

Credit Card

Visa Platinum

APR as low as

8.24%*

Annual Fee

None

Credit Card

Share Secured Visa

APR as low as

9.99%**

Annual Fee

None

Vehicle Loans - New

Term

APR as low as*

Monthly Payment per $1,000

* APR = Annual Percentage Rate. Actual rate will vary. Advertised as low as APR includes 0.50% rate discount for members who have a direct deposit of at least $500 per month established to their AFFCU account and have automatic transfers set up for the auto loan payment from an AFFCU account. Maximum loan-to-value (LTV) is 130% for vehicles less than 3-years old.
**Minimum amount of $20,000 required for 72 months or longer term.

 

Term

Up to 60 months

APR as low as*

2.25%

Monthly Payment per $1,000

$19.93

Term

72 months**

APR as low as*

2.50%

Monthly Payment per $1,000

$17.31

Term

84 months**

APR as low as*

3.75%

Monthly Payment per $1,000

$15.98

 

Vehicle Loans - Used and Refinanced*

Term

APR as low as**

Monthly Payment per $1,000

* 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.
**APR = Annual Percentage Rate. Actual rate will vary. Advertised as low as APR includes 0.50% rate discount for members who have a direct deposit of at least $500 per month established to their AFFCU account and have automatic transfers set up for the auto loan payment from an AFFCU account. Maximum loan-to-value for used vehicles 15%.
***Minimum amount of $20,000 required for 72 months or longer term.

 

Term

Up to 60 months

APR as low as**

2.50%

Monthly Payment per $1,000

$20.05

Term

72 months***

APR as low as**

2.75%

Monthly Payment per $1,000

$17.43

Term

84 months***

APR as low as**

4.00%

Monthly Payment per $1,000

$16.11

 

Auto Secured Loans

Term

APR as low as

Monthly Payment per $1,000

* APR = Annual Percentage Rate. Actual rate may vary and based on credit review. Advertised as low as rate includes rate discount of 0.50% for having a direct deposit established of at least $500 per month to an AFFCU account. Maximum loan-to-value is 115% clean loan value per NADA

Term

Up to 60 months

APR as low as

6.00%*

Monthly Payment per $1,000

$21.76

 

Boats and Motorcycle Loans

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 rate discount of 0.50% for having a direct deposit established of at least $500 per month to an AFFCU account.

Term

Up to 72 months*

APR as low as*

6.00%

Monthly Payment per $1,000

$21.76

 

RV Loans

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 rate discount of 0.50% for having a direct deposit established of at least $500 per month to an AFFCU account.

Term

Up to 84 months

APR as low as*

5.40%

Monthly Payment per $1,000

$21.46

First Mortgages & Refinancing

Mortgage rates change daily and vary by loan type and term.

View Today’s Mortgage Rates

For mortgage assistance contact AFFCU’s Mortgage Specialist at (410) 584-7474.

 

Home Equity Loans and Lines

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 3.25% 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.

Loan Type

Home Equity Line-Of-Credit Up to 15 Years

APR as low as

3.00%

Monthly Payment*

$69.08

Loan Type

Home Equity Loan (fixed) Up to 15 Years

APR as low as

3.25%

Monthly Payment*

$82.61

Personal Loans

Term

APR as low as

Monthly Payment per $1,000

*APR = Annual Percentage Rate. Actual rate may vary and based on credit review. Advertised as low as rate includes rate discount of 2.00% for having a direct deposit established of at least $1,000 per month to 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.

Term

Up to 60 months

APR as low as

7.00%*

Monthly Payment per $1,000

$23.29

 

Share Secured Loan*

Maximum Term

APR as low as

Monthly Payment per $1,000

* No income verification needed. Share rate + 3.85%. Subject to change without notice.

Maximum Term

120 months

APR as low as

4.00%

Monthly Payment per $1,000

$10.13

 

Quickdraw Overdraft Protection Line of Credit

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

9.95%*

Monthly Payment per $1,000

Varies*

Maximum Loan Amount

$7,500

Safe Deposit Box (All 26-Inches Long)

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

Service Charges

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

Online Loan Payments Fee
(does not apply to AFFCU's online bill payer service)

Service Fee

$15.00

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

$15.00

Special Account Processing Services

VISA Credit Card late payment (per month)

Service Fee

$25.00

Special Account Processing Services

VISA debit/credit card replaced***

(Fee waived for stolen card with police report provided)

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