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Rates & Fees

Loans Rates

*Rates listed below are our lowest Annual Percentage Rates and may vary based on your credit history, incentives and the term of the loan. Rates are subject to change without notice.

Loan rates good for today August 1, 2014.

Automobile Rates
APR for offered terms*
YEAR
up to 42
months
43-54
months
55-66
months
67-72
months
 2013-2014

1.50%

1.70%

1.70%

2.70%

2011-2012

2.25%

2.45%

2.45%

2010 & Older

3.25%

3.45%

 
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*Terms for 48 Months auto loans of $12,000.00 or more. APR means Annual Percentage Rate.

Title Loans

Add 3% APR* to any stated as low as Auto Loan rate above.


Watercraft / Motorcycles & Recreational Vehicles
APR for offered terms*
Up to 42 mo
43-54 mo
55-66 mo
67-78 mo
3.99%
4.24%
4.49%
5.49%

Prime Access - Home Equity Line of Credit / Variable Rate*
Current Prime Rate is 3.25%
80 % Loan to Value
Prime Access
Prime - 1
$10,000 - $25,000
4.00%
5.50%
$25,000 - $75,000
4.00%
5.50%
$75,000 and over
4.00%
5.50%
90 % Loan to Value
   
$10,000 - $25,000
4.25%
5.50%
$25,000 - $75,000
4.00%
5.50%
$75,000 and over
4.00%
5.50%
100 % Loan to Value
Prime Access
Prime - 1
$10,000 - $25,000
4.75%
5.50%
Floor
 
4.00%
5.50%
*No closing fees with a $10,000.00 advance at closing and if the loan is not closed within the first year.

Fixed Rate - Second Mortgage - 10 & Done!  

Term

80% LTV* (APR**)

90% LTV*

4 Years 5.00% 5.75%
7 Years 5.50% 6.25%

10 & Done!

No closing costs!

3.875% NA

*LTV = Loan to Value    ** APR = Annual Percentage Rate

First Mortgage Loans


Access Credit Union is proud to introduce our mortgage partner CU/America Financial Services, Inc. CU/America offers many different mortgage products and rates to fit your individual lending needs. You can call the credit union Lending Department directly at (708) 343-0228, option 3 or call CU/America at: 800-351-0449 or 630-620-5200. You can also Apply Now online.


Loans Fully Secured by Stocks/Bonds, CDs, or Shares

Fully secured by shares

Up to 60 months at 3.00% over the Reg. Share rate

Fully secured by CD

Up to 60 months at 3.00% over your CD rate

Stocks or Bonds

Up to 60 months at 9.00%


Signature Loans  - APR for offered terms*

up to 18 mo.

19 mo. or more

10.25%

10.75%


 
VISA Credit Card

Plantinum VISA

  10.80%  - 15.90%*

No Annual Fee

Plantinum VISA Secured

  14.90% 

No Annual Fee

*Based on your creditworthiness.


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