APR = Annual Percentage Rate; APY = Annual Percentage Yield
Rates and terms subject to change without notice. As of 12/21/2024Rates
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| Award Level | APY | APR |
|---|---|---|
| One-Star | 1.00% | 1.00% |
| Two-Star | 2.02% | 2.00% |
| Three-Star | 3.04% | 3.00% |
| Four-Star | 5.11% | 5.00% |
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Rates and terms subject to change without notice. As of 12/21/2024Holiday Club
Apply for MembershipAPR = Annual Percentage Rate; APY = Annual Percentage Yield
Rates and terms subject to change without notice. As of 12/21/2024Certificate Account
Apply for MembershipAPY = Annual Percentage Yield; APR = Annual Percentage Rate
*The special 11-month Certificate may be opened for any amount equal to or greater than $500. Funds secured in this certificate must be derived from funds previously on deposit with an outside financial institution in like-titled personal or small business accounts, and must have been transferred via check, electronic deposit/transfer, or cash deposit no more than 30 days prior to the establishment of this special certificate account.
Rates and terms subject to change without notice. As of 12/21/2024IRAs
APY = Annual Percentage Yield; APR = Annual Percentage Rate. Rates are subject to change without notice. Dividends begin accruing on the day of deposit and will be credited on the last day of each month (end of quarter for Share savings). Dividends are calculated using the Average Daily Balance computation method. This method applies a daily periodic rate to the principal in the account each day. If the account is closed before dividends are paid, the accrued dividend for that period will be forfeited. High-Yield Share Certificates and IRA Bonus Certificates - After a certificate account is opened, you may not make additions until maturity. You may not make withdrawals of the principal on a certificate account before maturity without penalty. You can withdraw earned dividends at any time during the life of the certificate without penalties. Penalties for early termination of an IRA Certificate do not include any state and/or federal penalties that may apply. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. IRAs are separately insured up to $250,000.
Rates and terms subject to change without notice. As of 12/21/2024Credit Cards
Loans
Home Loans
Adjustable Rate Mortgages (ARMs)
| Term | Base Rate | Initial APR* |
|---|---|---|
| 1/1 ARM | 5.150% | 5.266% |
| 3/1 ARM | 5.400% | 5.518% |
| 5/1 ARM | 5.750% | 5.877% |
| 7/1 ARM | 6.500% | 6.633% |
| 10/1 ARM | 6.990% | 7.127% |
*APR is calculated assuming a $300,000 loan amount for a purchase price of $375,000 on a single family dwelling, 30-year term, 2/6 caps >740 credit score, 80% LTV/CLTV, 1% origination fee, $890.00 in other ActorsFCU fees.
These assumptions are subject to change without notice. Rate, points, and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and the borrower's credit score. The final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Fixed Rate Mortgages
| Term | Base Rate | APR* |
|---|---|---|
| 10 Year | 6.140% | 6.430% |
| 15 Year | 6.390% | 6.597% |
| 20 Year | 6.640% | 6.807% |
| 30 Year | 6.890% | 7.019% |
*APR is calculated assuming a $300,000 loan amount for a purchase price of $375,000 on a single family dwelling, >740 credit score, 80% LTV/CLTV, 1% origination fee, $890.00 in other ActorsFCU fees.
These assumptions are subject to change without notice. Rate, points, and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and the borrower's credit score. The final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Home Equity Line of Credit (HELOC)
| Type | Term | Base Rate (APR) |
|---|---|---|
| Standard | 20 Year (5/15 Draw/Repayment) | Prime Rate for Life |
| Interest Only | 20 Year (10/10 Draw/Repayment) | Prime Rate for Life |
Home Equity Loan (Fixed Rate 2nd Mortgage)
| Term | Base Rate |
|
|---|---|---|
| 10 Year | 7.500% | |
| 15 Year | 7.750% | |
| 20 Year | 8.000% |
IMPORTANT NOTE:
- Initial rates are subject to adjustment based on overall Credit risk conditions i.e. Credit Scores, Credit History, etc.
Auto Loans
APPLY NOWAuto Loan Rates
Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
| Loan Term | Rate (APR) |
|---|---|
| New & Used | |
| 2-Year | 5.49% APR* |
| 3-Year | 5.74% APR* |
| 4-Year | 5.99% APR* |
| 5-Year | 6.24% APR* |
| 6-Year | 6.49% APR* |
| 7-Year | 6.74% APR* |
*APR = Annual Percentage Rate; APY = Annual Percentage Yield
Motorcycle, RV, & Boat Loan Rates
Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
| Loan Term | Rate (APR) |
|---|---|
| New & Used | |
| 3-Year | 5.99% APR* |
| 4-Year | 6.24% APR* |
| 5-Year | 6.49% APR* |
| 6-Year | 6.74% APR* |
| 7-Year | 6.99% APR* |
*APR = Annual Percentage Rate; APY = Annual Percentage Yield
Rates and terms subject to change without notice. As of 12/21/2024Consumer Loans
Personal Loan
*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
| Term | Rate (APR) |
|---|---|
| 1-Year | 10.24% |
| 2-Year | 10.49% |
| 3-Year | 10.74% |
| 4-Year | 10.99% |
| 5-Year | 11.24% |
Balance Transfer Loan
*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
| Term | Rate (APR) |
|---|---|
| 1-Year | 10.24% |
| 2-Year | 10.49% |
| 3-Year | 10.74% |
| 4-Year | 10.99% |
| 5-Year | 11.24% |
Cash Draw
| Term | Rate (APR) |
|---|---|
| Open-Ended | 8.99% |
Share-Secured Loan
*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
| Term | Rate (APR) |
|---|---|
| 3-Year | |
| 4-Year | as low as 3.65% above Share Account rate |
| 5-Year |
Certificate-Secured Loan
*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
|
Term |
Rate (APR) |
|---|---|
| 3-Year | |
| 4-Year | as low as 3.65% above High-Yield Certificate rate |
| 5-Year |
Vacation Loan
*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
| Term | Rate (APR) |
|---|---|
| 1-Year | 10.24% |
Holiday
*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
| Term | Rate (APR) |
|---|---|
| 1-Year | 10.24% |
APR = Annual Percentage Rate
Rates and terms subject to change without notice. As of 12/21/2024Union Initiation Fee Loans
APPLY NOW|
Term |
Rate (APR) |
|---|---|
| 2-Year | 10.24%* |
| 3-Year | 10.49%* |
*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness.
Rates and terms subject to change without notice. As of 12/21/2024Musical Instruments Loans
APPLY NOWTier One - Loans $10,000 up to $49,999
| Maximum Term | Current Rate (APR*) |
|---|---|
| 60 months | as low as 9.00% |
Tier Two - Loans $50,000 up to $250,000
| Maximum Term | Current Rate (APR*) |
|---|---|
| 240 months | as low as 5.24% |
*APR = Annual Percentage Rate. Loan rates are determined by the Wall Street Journal Prime Rate, the borrower's creditworthiness, and credit union's underwriting guidelines. Loans over $100,000 require a 60-month balloon term. Ask for complete details.
Rates and terms subject to change without notice. As of 12/21/2024