Loan Rates

Savings Rates

Fee Schedule

 

 

 

Loan Rates

As a not-for-profit financial institution working to serve our members’ financial needs, Academic Employees Credit Union provides affordable loan rates and and flexible terms. Consult the charts below for our current rates, and contact us to learn more about how we can help you reach your goals!

Vehicle Loan Rates
Cars, Trucks & SUVs
All rates given reflect Annual Percentage Rate*
New Auto Term Rate Conditions
Less than 15,000 miles or never titled
Up to 72 mo. Starting at 2.25% Up to 100% NADA Retail
 
Used Auto Term Rate Conditions
NADA value over $10,000 Up to 60 mo. Starting at 2.65% Up to 100% NADA Retail
NADA value of $5,000 - $9,999 Up to 48 mo. Starting at 4.49% Up to 100% NADA Retail
NADA value < $5,000 Up to 36 mo. Starting at 5.49% Up to 100% NADA Retail

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details.

Secured Loan Rates
ATVs, watercraft, motorcycles, farm/lawn equipment, computers, campers & motor homes
All rates given reflect Annual Percentage Rate*
Model Year Term Rate
New Up to 72 mo. As low as 5.0%
2008 and Newer Up to 60 mo. As low as 6.0%
2007 & Older Up to 48 mo. As low as 7.0%

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details.

Personal Loan Rates
All rates given reflect Annual Percentage Rate*
Loan Term Rate Conditions
Personal 24 or 36 mo. As low as 10.0% Max. loan $5,000
Preferred Personal Up to 60 mo. As low as 9.5% Max. loan $20,000
Line of Credit Open As low as 9.0% Range of payments
$20-$200 per month
Max loan $5,000
Share Secured Open 3.0% above dividend  

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details.

Please contact the credit union for current rates for home equity loans.