Loan Rates

APR = Annual Percentage Rate.
Refinances must be from another institution to qualify for rate special. Existing ACCU loans are ineligible for promotional rates. All rates subject to change without notice. Rates based on your credit bureau score. The rates listed above are for members who have excellent credit. Rates increase if there have been previous credit problems. $12,500 minimum loan amount required for RVs & Trailers 2023 & newer 61-96 months terms. $20,000 minimum loan amount required for RVs & Trailers 2023 & newer 97 to 120 months terms. $25,000 minimum loan amount required for RVs & Trailers 2023 & newer 121 to 144 months terms. $35,000 minimum loan amount required for RVs & Trailers 2023 & newer 145 to 180 months terms. $75,000 minimum loan amount required for RVs & Trailers 2023 & newer 181 to 240 months terms. $12,500 minimum loan amount required for RVs & Trailers 2022 & older 61 to 96 months terms. $15,000 minimum loan amount required for RVs & Trailers 2022 & older 97 to 120 months terms. $20,000 minimum loan amount required for RVs & Trailers 2022 & older 121-144 months terms. $15,000 minimum loan amount required for Motorcycles & ATVs 2023 & newer 85-96 months terms. $20,000 minimum loan amount required for Motorcycles & ATVs 2023 & newer 97-120 months terms. $15,000 minimum loan amount required for Motorcycles & ATVs 2022 & older 85-96 months terms. $15,000 minimum loan amount required for New & Used Lawn Tractors 85-96 months terms. $20,000 minimum loan amount for RVs & Trailers 2022 & newer 121 to 144 months terms. $12,500 minimum loan amount required for Boats 2023 & newer 61-96 months terms. $20,000 minimum loan amount required for Boats 2023 & newer 97-120 months terms. $35,000 minimum loan amount required for Boats 2023 & newer 121-180 months terms. $75,000 minimum loan amount required for Boats 2023 & newer 181-240 months terms. $25,000 minimum loan amount required for Boats 2022 and older & New & Used Watercraft 85 to 144 months terms.

APR = Annual Percentage Rate. All rates subject to change without notice. Maximum credit limit of $5,000.00.

APR = Annual Percentage Rate. All rates subject to change without notice. Existing ACCU loans are ineligible for promotional rates. Rates based on your credit bureau score. The rates listed above are “as low as” and for members who have excellent credit. Rates increase if there have been previous credit problems. Deposit Secured Loans require money held on deposit as collateral and rate based on type of deposit used to secure the loan. CD secure loan terms vary. Share Secured maximum credit limit $10,000. Unsecured Loan minimum loan amount $500 with a maximum credit limit of $30,000. All loans are subject to approval and membership eligibility. Must be at least 18 years of age to apply, must be in good standing with Alliance Catholic Credit Union and may not have an open loan in a modification/workout status through Credit Solutions. Restrictions may apply. Tuition Loan available for grades K-12, fixed rate upon approval. 

‡APR Refers to Annual Percentage Rate. Home Equity Line Of Credit (HELOC) Special Intro APR offer expires 5/31/2024. HELOC Special APR of as low as 6.99%APR is fixed for 12 months from the date of closing and variable thereafter. After Intro Period, HELOC APR is variable and based upon an index plus or minus a margin. Variable APR is based on the highest Prime Rate reported in the Money Rates Section of the Wall Street Journal on the 10th day (or next business day) of the last month of the quarter, to be effective on the first day of the new quarter (“Index”), plus or minus a margin. Your rate will be based on your credit profile. Minimum APR is 6.00%; current APR as low as 8.25% as of 04/01/2024. The maximum APR that can apply is 18.00%. Combined loan-to-value up to 80%. Intro Rates apply to new lines only and not to existing HELOC accounts. Origination fee of $349 for HELOC applications up to $100,000 or $549 for HELOC applications over $100,000 will be collected at time of application.

*Annual Percentage Rate (APR) when you open your account is based on your credit worthiness.  APR is variable and based upon a margin plus index.  Variable APR is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the last calendar day of each month (“Index”) plus our margin.  The Index plus the margin equals the APR.  Changes in the Index will cause changes in the APR on the 1^st day of the billing cycle that immediately follows a change in the Index.  Current APR as low as 13.75% as of 9/01/2023. The maximum APR that can apply is 25.00%.  Your payment due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your New Balance by the Payment Due Date.  No minimum interest charge.  No annual fee.  The minimum Mastercard credit limit is $500.  Foreign transaction fee equal to 2% of each transaction in U.S. Dollars.  Penalty Fee for Late Payment and Returned Payment up to $33.00.  To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Protection Bureau at https://www.consumerfinance.gov/learnmore.

During the first 90 days following a NEW credit card account opening, qualifying balance transfers will receive a fixed rate of 7.99% APR for the life of the balance transfer amount.  APR is Annual Percentage Rate. Not valid for existing Alliance Catholic Credit Union balances.  Rates are subject to change at any time without prior notice.  Balance transfer promotion is subject to change at any time without prior notice.