Rates
Rates Effective: April 1, 2020
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Current Prime Rate = 4.25%
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Balance |
Dividend Rate |
APY |
|---|---|---|
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* To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
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Balance $0 - $10,000 |
Dividend Rate 2.50% |
APY 2.50% |
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Balance $10,000 or more |
Dividend Rate 0.25% |
APY 2.50% to 0.45% |
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Balance All balances if monthly qualifications not met* |
Dividend Rate 0.05% |
APY 0.05% |
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Account Type |
Dividend Rate |
APY |
|---|---|---|
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*APY = Annual Percentage Yield. 3.00% APY is for balances up to $1,500. Balances over $1,500 earn 0.50% APY. |
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Account Type Primary Share Savings |
Dividend Rate 0.15% |
APY 0.15% |
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Account Type Club Savings Account |
Dividend Rate 0.15% |
APY 0.15% |
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Account Type Journey Accounts |
Dividend Rate 3.00%* |
APY 3.00%* |
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Balance |
Dividend Rate |
APY |
|---|---|---|
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* To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
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Balance $0 - $10,000 |
Dividend Rate 0.50% |
APY 0.50% |
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Balance 10,000 or more |
Dividend Rate 0.25% |
APY 0.50% to 0.27% |
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Balance All balances if monthly qualifications not met* |
Dividend Rate 0.05% |
APY 0.05% |
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Balance |
Dividend Rate |
APY |
Minimum Deposit |
|---|---|---|---|
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Dividends are compounded and paid monthly |
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Balance $1 - $14,999.99 |
Dividend Rate 0.30% |
APY 0.30% |
Minimum Deposit $500 |
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Balance $15,000 - $39,999.99 |
Dividend Rate 0.35% |
APY 0.35% |
Minimum Deposit $15,000 |
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Balance $40,000 or more |
Dividend Rate 0.40% |
APY 0.40% |
Minimum Deposit $40,000 |
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Account Type |
Minimum Balance |
Dividend Rate |
APY |
|---|---|---|---|
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*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. |
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Account Type Easy Way IRA |
Minimum Balance $100 |
Dividend Rate 0.25% |
APY 0.25% |
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Account Type 3 Month Share Certificate |
Minimum Balance $500 |
Dividend Rate 0.60% |
APY 0.60% |
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Account Type 6 Month Share Certificate |
Minimum Balance $500 |
Dividend Rate 0.80% |
APY 0.80% |
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Account Type 1 Year Share Certificate1 |
Minimum Balance $500 |
Dividend Rate 0.85% |
APY 0.85% |
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Account Type 1 Year Jumbo Share Certificate1 |
Minimum Balance $50,000 |
Dividend Rate 0.90% |
APY 0.90% |
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Account Type 2 Year Share Certificate1 |
Minimum Balance $1,000 |
Dividend Rate 0.95% |
APY 0.95% |
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Account Type 2 Year Jumbo Share Certificate1 |
Minimum Balance $50,000 |
Dividend Rate 1.00% |
APY 1.00% |
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Account Type 3 Year Step Up Share Certificate1,2 |
Minimum Balance $1,000 |
Dividend Rate 1.00% |
APY 1.00% |
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Account Type 3 Year Share Certificate1 |
Minimum Balance $1,000 |
Dividend Rate 1.04% |
APY 1.05% |
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Account Type 3 Year Jumbo Share Certificate1 |
Minimum Balance $50,000 |
Dividend Rate 1.09% |
APY 1.10% |
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Account Type 5 Year Step Up Share Certificate1,2 |
Minimum Balance $2,500 |
Dividend Rate 1.29% |
APY 1.30% |
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Account Type 5 Year Share Certificate1 |
Minimum Balance $2,500 |
Dividend Rate 1.34% |
APY 1.35% |
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Account Type 5 Year Jumbo Share Certificate1 |
Minimum Balance $50,000 |
Dividend Rate 1.39% |
APY 1.40% |
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Balance |
Dividend Rate |
APY |
|---|---|---|
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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. |
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Balance $25 - $499.99 |
Dividend Rate 0.70% |
APY 0.70% |
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Balance $500 - $4,999.99 |
Dividend Rate 0.75% |
APY 0.75% |
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Balance $5,000 or more |
Dividend Rate 0.80% |
APY 0.80% |
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Balance |
Dividend Rate |
APY |
|---|---|---|
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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. |
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Balance $25 - $499.99 |
Dividend Rate 0.80% |
APY 0.80% |
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Balance $500 - $4,999.99 |
Dividend Rate 0.85% |
APY 0.85% |
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Balance $5,000 or more |
Dividend Rate 0.90% |
APY 0.90% |
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Dividend Rate |
APY |
Minimum Deposit |
|---|---|---|
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Dividends are compounded and paid monthly |
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Dividend Rate 0.50% |
APY 0.50% |
Minimum Deposit $0 |
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Credit Card |
APR as low as |
Annual Fee |
|---|---|---|
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*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. |
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Credit Card Visa Platinum Rewards |
APR as low as 11.24%* |
Annual Fee None |
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Credit Card Visa Platinum |
APR as low as 9.24%* |
Annual Fee None |
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Credit Card Share Secured Visa |
APR as low as 9.99%** |
Annual Fee None |
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Term |
APR as low as* |
Monthly Payment per $1,000 |
|---|---|---|
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* 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. Maximum loan-to-value (LTV) is 130% for vehicles less than 3-years old. Maximum loan-to-value for vehicles 3-years or older from current year is 115%.
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Term Up to 60 months |
APR as low as* 2.50% |
Monthly Payment per $1,000 $20.05 |
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Term 72 months** |
APR as low as* 2.85% |
Monthly Payment per $1,000 $17.47 |
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Term 84 months** |
APR as low as* 4.00% |
Monthly Payment per $1,000 $16.10 |
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Term |
APR as low as |
Monthly Payment per $1,000 |
|---|---|---|
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* 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 |
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Term Up to 60 months |
APR as low as 6.00%* |
Monthly Payment per $1,000 $21.76 |
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Term |
APR as low as* |
Monthly Payment per $1,000 |
|---|---|---|
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*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. |
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Term Up to 72 months* |
APR as low as* 6.00% |
Monthly Payment per $1,000 $21.76 |
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Term |
APR as low as* |
Monthly Payment per $1,000 |
|---|---|---|
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*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. |
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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 RatesFor mortgage assistance contact AFFCU’s Mortgage Specialist at (410) 584-7474.
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Loan Type |
APR as low as |
Monthly Payment* |
|---|---|---|
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*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 4.25% 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. |
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Loan Type Home Equity Line-Of-Credit Up to 15 Years |
APR as low as 3.25% |
Monthly Payment* $70.29 |
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Loan Type Home Equity Loan (fixed) Up to 15 Years |
APR as low as 4.25% |
Monthly Payment* $88.04 |
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Term |
APR as low as |
Monthly Payment per $1,000 |
|---|---|---|
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*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. |
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Term Up to 60 months |
APR as low as 7.00%* |
Monthly Payment per $1,000 $23.29 |
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Maximum Term |
APR as low as |
Monthly Payment per $1,000 |
|---|---|---|
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* No income verification needed. Share rate + 3.85%. Subject to change without notice. |
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Maximum Term 120 months |
APR as low as 4.00% |
Monthly Payment per $1,000 $10.13 |
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APR as low as |
Monthly Payment per $1,000 |
Maximum Loan Amount |
|---|---|---|
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* APR = Annual Percentage Rate. Actual rate will vary based on credit review. Payment will vary based on 2% of the current balance. |
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APR as low as 9.95%* |
Monthly Payment per $1,000 Varies* |
Maximum Loan Amount $7,500 |
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Service |
Rate |
|---|---|
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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. |
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Service 3x5 Deposit Box |
Rate $24.00/year |
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Service 3x10 Deposit Box |
Rate $54.00/year |
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Service 5x5 Deposit Box |
Rate $54.00/year |
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Service 5x10 Deposit Box |
Rate $75.00/year |
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Service 10x10 Deposit Box |
Rate $144.00/year |
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Service Replacement key |
Rate $10.00 |
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Service Drill box |
Rate $300.00 |
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Special Account Processing Services |
Service Fee |
|---|---|
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*Information is accessible for free through AFFCU Online and Mobile Banking and PAT automated phone system. ** Share Accounts restricted to six withdrawal/transfer transactions per month. Charge assessed for each withdrawal/transfer over this limit. Money Market Accounts are restricted to six withdrawal/ transfer transactions per month. Charge assessed for each transaction over this limit ***Fee is waived if card is stolen and a police report is provided. |
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Special Account Processing Services Acct reconcilement per hour |
Service Fee $10.00 |
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Special Account Processing Services Acct history subledger printed (per page) |
Service Fee $1.00* |
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Special Account Processing Services Certified Check |
Service Fee $10.00 |
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Special Account Processing Services Check copies (each) |
Service Fee $5.00* |
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Special Account Processing Services Collection funds transfer |
Service Fee $5.00 |
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Special Account Processing Services Deposit & payment receipts mailed |
Service Fee $2.00 |
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Special Account Processing Services Dormant account fee (per month) |
Service Fee $5.00 |
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Special Account Processing Services Foreign ATM transactions |
Service Fee $2.00 |
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Special Account Processing Services Garnishment |
Service Fee $100.00 |
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Special Account Processing Services HSA Origination (1-time set up fee) |
Service Fee $10.00 |
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Special Account Processing Services Insufficient funds returned item (any party) |
Service Fee $25.00 |
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Special Account Processing Services Loan late payment (per month) |
Service Fee $25.00 |
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Special Account Processing Services MAC (Member Acct Courtesy) (per occurrence) |
Service Fee $25.00 |
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Special Account Processing Services Money Market low balance (per month) |
Service Fee $5.00 |
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Special Account Processing Services Money orders |
Service Fee $5.00 |
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Special Account Processing Services Online Loan Payments Fee |
Service Fee $15.00 |
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Special Account Processing Services Paper Statement Fee (Applicable to members age 18 through 64 years old) |
Service Fee $1.00 |
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Special Account Processing Services Phone Assistance Fee |
Service Fee $2.00* |
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Special Account Processing Services REG D Excess Share Account Transaction Fee** |
Service Fee $5.00 |
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Special Account Processing Services REG D Excess Money Market Account Transaction Fee** |
Service Fee $10.00 |
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Special Account Processing Services Share acct low balance (per month) |
Service Fee $2.00 |
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Special Account Processing Services Share closed within 31 days of opening |
Service Fee $5.00 |
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Special Account Processing Services Share withdrawal check mailed |
Service Fee $2.00 |
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Special Account Processing Services Share withdrawal check to 2nd party |
Service Fee $2.00 |
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Special Account Processing Services Statement returned for bad address (per month) |
Service Fee $5.00 |
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Special Account Processing Services Statement/Account summary copy |
Service Fee $5.00* |
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Special Account Processing Services Stop payment fee (All checks and ACH payments) |
Service Fee $15.00 |
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Special Account Processing Services VISA Credit Card late payment (per month) |
Service Fee $25.00 |
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Special Account Processing Services VISA debit card Point-Of-Sale Signature Transactions (per transaction) (Not applicable on Kasasa Checking Accounts) |
Service Fee $1.00 |
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Special Account Processing Services VISA debit/credit card replaced*** (Fee waived for stolen card with police report provided) |
Service Fee $10.00 |
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Special Account Processing Services VISA card shipped Standard 1st Class |
Service Fee $10.00 |
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Special Account Processing Services VISA card shipped 2-Day Rush |
Service Fee $37.50 |
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Special Account Processing Services VISA card shipped Overnight |
Service Fee $69.50 |
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Special Account Processing Services VISA sales draft copy |
Service Fee $5.00 |
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Special Account Processing Services Wire transfer - domestic |
Service Fee $25.00 |
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Special Account Processing Services Wire transfer - foreign |
Service Fee $50.00 |