• $200,000 maximum.
• Up to 70% loan to value ratio.
• Flexible repayment terms.
• Variable rate of interest, tied to prime.
• Rate changed semi-annually.
• Minimal fees charged for appraisal, title report, credit reports, and recording.

• Classic Visa is offered at 12.25% APR; Gold Visa is only 11.25% APR. 
• No annual fee on the classic card. 
• Receive Bonus Points through our unique Scorecard system. Click here for details: ScoreCard Rewards
• 25-day interest-free grace period. 
• Use at any Point of Sale (POS) machines that displays the Visa logo to purchase everything from gasoline to groceries and fast food. 
• Access cash from any ATM which displays the Visa logo. 
• Transfer your other credit card balances-including those from other financial institutions and department stores-to your ACU Visa Card and save hundreds of dollars in interest.

Savings

Regardless of your age or income, saving money in today's economy can be a real challenge. That's why ACU offers a variety of great savings programs, all of which provide stable yet competitive rates of return. What's more, you'll have added peace of mind knowing that your savings are federally insured up to $250,000 by the National Credit Union Administration, a US Government agency.
Current Savings Rates

Base Shares
All ACU members in good standing have purchased base shares of ownership. Base shares are actually deposits in a basic interest-bearing savings account. Not only do these shares establish you as a Credit Union member, but they also serve as your foundation for a financially secure future.

• $50 minimum balance required. 
• Make cash withdrawals or transfer funds between accounts at any time. 
• Earn dividends on the average daily balance of your account. 
• Dividends are paid on a quarterly basis.

Money Market
If you want a high-yield return without having to sacrifice account flexibility, then the ACU Money Market Account is your ideal savings alternative.

• $3,000 minimum balance required. 
• Up to 6 transactions per month without charge. 
• Dividends are paid monthly.

GOLD MONEY MARKET

• $25,000 minimum balance required.
• Up to 6 transactions per month without charge.
• Dividends are paid monthly.

PREMIER MONEY MARKET

• $50,000 minimum balance required.
• Up to 6 transactions per month without charge.
• Dividends are paid monthly.

Certificates of Deposit
Short-term investment or long-term nest egg, ACU offers Certificates of Deposit with terrific rates and flexible terms.

• Minimum deposit of only $1,000 required. 
• Terms from 60 days to 5 years.

Christmas Club
For special holidays or surprise rainy days, ACU's Christmas Club is an excellent way to save money without making a big investment.

• Minimum deposit of only $25 required. 
• Earn dividends on the average daily balance of your account. 
• Dividends are paid on a quarterly basis.

Youth Accounts
Special accounts designed to help young people learn the importance of good money management.

• Youth Savings that earn dividends. 
• Teen Checking with no fees.

Individual Retirement Accounts
A financially secure retirement doesn't happen by accident. It takes years of planning and setting long-term financial goals. ACU offers IRA's ranging from the traditional IRA, to Roth and Educational IRA's. We have a regular IRA savings account, or IRA certificates ranging from 1 to 5 years.

• Minimum deposit for savings account is $100 
• Minimum deposit for certificates is $2,500 
• Minimal setup and annual fee

Checking

ACU's Checking services are designed with an eye for convenience and economy. We have two checking account programs . You select the program that best fits your needs.

Value Checking
Minimum balance: None
Monthly service charge: None
Monthly dividend: None
ATM transaction fees: None
Other ATM's fee: First 4/month free, $1 each thereafter
Point of sale (POS) fees: None

Premium Checking
Minimum balance: $1,000
Monthly service charge: $5 if balance falls below $1,000
Monthly dividend: Yes, when balance does not fall below $1,000
ATM transaction fees: None
Other ATM's fee: None
Point of sale (POS) fees: None

In addition to the above, all checking accounts offer the following features:

• Receive a free Visa Cash & Check Card (Debit Card) accepted anywhere VISA is accepted, or at any ATM or Point of Sale device that displays the STAR or PLUS logo.
• Establish overdraft protection from your savings account or an established line of credit.
• Account holders age 55 and older receive FREE personal check orders.
• Special accounts designed for members in their teens.

To Reorder Checks
Click here: Liberty Checks