Rates
Share/Savings
Deposit Balance Required for Dividends Dividend Rate Annual Percentage Yield $ 100.00 - $ 999.99 0.05% 0.05% $ 1,000.00 - $19,999.99 0.05% 0.05% $20,000.00 and over 0.05% 0.05% Share rates are good through March 31, 2012
Share Certificates & IRAs
Type Current Dividend Rate Annual Percentage
RateAdvantage Club Rate Annual Percentage Yield
(Advantage Club)6 Month Certificate 0.10%** 0.35%** 12 Month Certificate 0.20% 0.20% 0.45% 0.45% 24 Month Certificate 0.40% 0.40% 0.65% 0.65% 36 Month Certificate 0.75% 0.76% 1.00% 1.01% 48 Month Certificate 0.85% 0.86% 1.10% 1.11% 60 Month Certificate 1.10% 1.11% 1.35% 1.36% ** Simple Interest
Share Certificate rates effective 02-16-12 through 02-22-12. The minimum opening deposit is $500.00. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.
Money Market Accounts
Type Deposit Balance Required for Dividends Dividend Rate Annual Percentage Yield Money Market $ 100 - $ 2,499.99 0.05% 0.05% $2,500 - $ 9,999.99 0.05% 0.05% Money Max $ 100 - $ 2,499.99 0.05% 0.05% $ 2,500 - $ 9,999.99 0.05% 0.05% $10,000 - $49,999.99 0.10% 0.10% Diamond Account $ 100 - $ 2,499.99 0.05% 0.05% $ 2,500 - $ 9,999.99 0.05% 0.05% $10,000 - $49,999.99 0.10% 0.10% $50,000 and over 0.15% 0.15% Variable rate accounts change with market conditions.
Rates good through February 29, 2012.
Checking
Type Deposit Balance
Required for DividendDividend Rate Annual Percentage Yield Smart Checking $ 500.00 - $ 1,499.99 0.05% 0.05% $ 1,500.00 - $24,999.99 0.05% 0.05% $25,000.00 - $49,999.99 0.10% 0.10% $50,000.00 - $74,999.99 0.10% 0.10% $75,000.00 and over 0.10% 0.10% Advantage Checking $100 and over 0.05% 0.05% Fees could reduce earnings on all accounts.
Checking Account rates good through February 29, 2012.
Consumer Loans
Loan Types Approximate
TermAPR
Rates as Low As:Payment
CalculatorNew & Used Auto:
(Up to 7 years old)Up to 36 months 1.64%+ Calculator 37 - 60 months 2.75% + Calculator 61- 72 months 3.75% + Calculator Motorcycle: Same as
auto rate & term PLUS 1%Other Secured
$3,000 - $10,000Up to 36 months 8.25% + Calculator New Motor Homes & Boats Up to 72 months 7.75% + Calculator Used Motor Homes & Boats Up to 60 months 8.25% + Calculator Computer Loan
$250 - $5,000Up to 42 months 8.50% + Calculator Personal Loan
$250 - $10,000Up to 48 months 9.25% + Calculator Bike Loan
$250 - $2,5003 to 24 months 4.99% Calculator Member Express Loan Balances up to $500 Up to 6 months 14.95% + Calculator Share Secured Loan Up to 60 months 3.50% Calculator Certificate Secured Loan See Below Calculator *Prime Plus (Line of Credit) 10.00% * EmoryLine-Overdraft Protection Up to $10,000
Student EmoryLine Up to $30012.00% +
12.00% +
+ These rates are Emory ACU's best rates. These rates already reflect .25% discount for setting up automatic payment or payroll deduction of loan payment. If loan payment is not set up with automatic payment or payroll deduction, .25% will be added to effective rate. The rate may vary depending on each individual's credit history, underwriting factors and reflect mandatory automatic payment or payroll deduction of loan payment. There is a $25 Non-Refundable Application Fee for all loan types except Member Express Loans. There is a $20 Non-Refundable Application Fee for Member Express Loans.
Loan rates are effective as of September 6, 2011. All rates, terms and conditions are subject to change at any time without notice. For more information, please call the Loan Department for further assistance. To apply for any of our loan products, click on Loan Express.
Variable Rate Prime Plus (Line of Credit): The Annual Percentage Rate (APR) for new and existing balances will be the Prime Rate (Index), plus a Margin of 4.0%. We will use the most recent Index value available to us as of the last day of the month prior to any annual percentage rate adjustment. The APR will change quarterly on the first day of January, April, July, and October to reflect any change in the Index. The APR will never be less than 10.0%. The APR will never be greater than 18.0% or the maximum rate allowed by law, whichever is less. The APR will not increase or decrease more than 2.0% in any one year period. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid.
CERTIFICATE SECURED: The ANNUAL PERCENTAGE RATE (APR) will be the dividend rate being paid on the certificate offered as security (Index) plus 3.0%. The certificate must be renewed until the advance is completely paid. Failure to renew the certificate will result in default. When the certificate is renewed the APR may change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The present APR and Daily Periodic Rate will be disclosed at the time of advance.
