Rates and fees that truly entertain.

Putting the power of the Credit Union to work for your financial needs is a wise decision. As a not-for-profit institution, after expenses are paid and reserves set aside, surplus earnings are returned to you in the form of higher dividends, lower loan rates and free or low-cost services. As a member-owner, your financial goals are the priority and the Credit Union's goal is to help you succeed.

Select from the following to learn more:
Rates, terms and conditions subject to change without notice.

 

 
RATES QUOTED ON THIS RATE SHEET ARE SUBJECT TO CHANGE WITHOUT NOTICE
Account Type Minimum Deposit to Open Account / Avoid Low Balance Fee Balance Tiers to Earn Dividends Dividend Rate Annual Percentage Yield
Performance Checking $25 $1,000 and over 0.050% 0.050%
Primary Savings $50 / $250 $50 - $249 0.000% 0.000%
$250 - $9,999 0.100% 0.100%
$10,000 - $24,999 0.100% 0.100%
$25,000 - $49,999 0.100% 0.100%
$50,000 - $99,999 0.150% 0.150%
$100,000 and over 0.200% 0.200%
Additional Savings None $50 - $249 0.000% 0.000%
$250 - $9,999 0.100% 0.100%
$10,000 - $24,999 0.100% 0.100%
$25,000 - $49,999 0.100% 0.100%
$50,000 - $99,999 0.150% 0.150%
$100,000 and over 0.200% 0.200%
IRA (Traditional, Roth) $50 $50 - $9,999 0.100% 0.100%
$10,000 - $24,999 0.100% 0.100%
$25,000 - $49,999 0.100% 0.100%
$50,000 - $99,999 0.150% 0.150%
$100,000 and over 0.200% 0.200%
Money Market $2,500 $0.01 - $2,499 0.100% 0.100%
$2,500 - $24,999 0.100% 0.100%
$25,000 - $49,999 0.100% 0.100%
$50,000 - $74,999 0.100% 0.100%
$75,000 - $99,999 0.200% 0.200%
$100,000 and over 0.250% 0.250%

CHECKING ACCOUNTS - Performance Checking accounts have a Monthly Service Charge of $10.00 if monthly average balance is less than $1,000. Monthly Service Charge WAIVED if average balance is $1,000 or more OR if you enroll in eStatements OR with monthly electronic Direct Deposit. Dividends on Checking Accounts are earned daily, the dividend period is monthly and dividends are credited monthly on the last day of the month. Once accounts are opened, rates on Checking Accounts are subject to change MONTHLY.

SAVINGS and IRA ACCOUNTS - Dividends on Savings Accounts and IRA Accounts are earned daily, the dividend period is monthly and dividends are credited monthly on the last day of the month. Once accounts are opened, rates on Savings Accounts are subject to change MONTHLY.

MONEY MARKET ACCOUNTS- Dividends on Money Market Accounts are aarned daily, the dividend period is monthly and dividends are credited monthly on the last day of the month. Once accounts are opened, rates on Money Market Accounts are subject to change WEEKLY.

 

 
Account Type Minimum Deposit to Open Account Balance Tiers to Earn Dividends Dividend Rate Annual Percentage Yield
Health Savings (HSA) $50 $0.01 and over 0.050% 0.050%

 

 
Account Type Minimum Deposit to Open Account Balance Tiers to Earn Dividends Dividend Rate Annual Percentage Yield
Coogan Savings $50 $50 - $9,999 0.100% 0.100%
$10,000 - $24,999 0.100% 0.100%
$25,000 - $49,000 0.100% 0.100%
$50,000 - $99,999 0.150% 0.150%
$100,000 and over 0.200% 0.200%
Young Performer Savings $50 $50 - $9,999 0.100% 0.100%
$10,000 - $24,999 0.100% 0.100%
$25,000 - $49,999 0.100% 0.100%
$50,000 - $99,999 0.150% 0.150%
$100,000 and over 0.200% 0.200%
Young Performer Checking $25 None 0.050% 0.050%
Teen Access Checking None No Dividends Earned None None

 

 
Certificate Term Balance Tiers ($1,000) Dividend Rate Annual Percentage Yield
60 months $1,000 - $9,999 1.539% 1.550%
$10,000 - $24,999 1.736% 1.750%
$25,000 - $49,999 1.736% 1.750%
$50,000 - $99,999 1.736% 1.750%
$100,000 and over 1.736% 1.750%
48 months $1,000 - $9,999 1.292% 1.300%
$10,000 - $24,999 1.490% 1.500%
$25,000 - $49,999 1.490% 1.500%
$50,000 - $99,999 1.490% 1.500%
$100,000 and over 1.490% 1.500%
36 months $1,000 - $9,999 1.045% 1.050%
$10,000 - $24,999 1.243% 1.250%
$25,000 - $49,999 1.243% 1.250%
$50,000 - $99,999 1.243% 1.250%
$100,000 and over 1.243% 1.250%
24 months $1,000 - $9,999 0.549% 0.550%
$10,000 - $24,999 0.747% 0.750%
$25,000 - $49,999 0.747% 0.750%
$50,000 - $99,999 0.747% 0.750%
$100,000 and over 0.747% 0.750%
18 months $1,000 - $9,999 - -
$10,000 - $24,999 - -
$25,000 - $49,999 - -
$50,000 - $99,999 - -
$100,000 and over - -
12 months $1,000 - $9,999 0.200% 0.200%
$10,000 - $24,999 0.399% 0.400%
$25,000 - $49,999 0.399% 0.400%
$50,000 - $99,999 0.399% 0.400%
$100,000 and over 0.399% 0.400%
6 months $1,000 - $9,999 0.050% 0.050%
$10,000 - $24,999 0.250% 0.250%
$25,000 - $49,999 0.250% 0.250%
$50,000 - $99,999 0.250% 0.250%
$100,000 and over 0.250% 0.250%

 

 

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AS LOW AS 3.50% APR ON NEW AUTO LOANS!

ASFCU is offering a 1% discount on all automobile loan rates for 2010 and 2011 model years. Discount rates as low as 3.50% APR apply to new vehicle purchases and refinanced loans from another lender. Offer expires September 30, 2010.

Log on and click 'Loan Options' to complete a secure online loan application.
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New and Used Automobiles, Motorcycles, Boats and Recreational Vehicles. Dealership and private party sales, lease buyouts and refinances of loans from other lenders are welcome. Rates listed below are our best fixed rates on approved credit. Your rate may be higher and a down payment may be required depending on your creditworthiness and other underwriting factors. Not all applicants will qualify for the best rate or 100% financing. All rates are subject to change without notice.

'As Low As' rates are our best fixed rates on approved credit and include a .50% discount for Automatic Payment (unless otherwise indicated).
Auto Loans Maximum Term* (months) 100% Financing APR as low as 80% Financing APR as low as
Model Years 2005 to present 84 5.00% 4.50%
Model Years 2004 and older 60 5.50% 5.50%
 
Motorcycle Loans Maximum Term* (months) 90% Financing APR as low as -
Model Years 2005 to present 84 7.45% -
Model Years 2004 and older 60 7.95% -
 
Boat Loans Maximum Term* (months) 90% Financing APR as low as -
Model Years 2005 to present 84 8.45% -
Model Years 2004 and older 60 8.95% -
 
Recreational Vehicle (RV) Loans Maximum Term* (months) 90% Financing APR as low as -
Model Years 2005 to present 84 8.45% -
Model Years 2004 and older 60 8.95% -
 
Personal Loans Maximum Term* (months) APR as low as Amount
Overdraft Protection Line of Credit Revolving 15.99% Choose $1,000 or $3,000 LOC
Personal / Signature 60 9.90% Up to $15,000
Share Certificate-Secured Maximum up to Certificate Term Certificate Rate +3.00% Up to 90% of Certificate Balance
Share-Secured – Fixed Rate 24 24 4.50% Up to 100% of Share Balance
Share-Secured – Fixed Rate 48 48 5.00% Up to 100% of Share Balance
Share-Secured – Fixed Rate 72** 72 6.00% Up to 100% of Share Balance

First time car buyer program available - call 1.800.826.6946 for details!

'As Low As' rates are our best fixed rates on approved credit and include a .50% discount for Automatic Payment (unless otherwise indicated).

100% financing not to exceed the lesser of purchase price or book value, plus destination charges, tax and license, extended warranty and guaranteed auto protection (GAP) coverage. Book value is 100% Peck's Black Book if 'new', 100% Retail Kelly Blue Book if 'used'. We are unable to finance salvaged titles.

* Terms on newer model years to 84 months on loan amounts over $40,000, otherwise, 72 months. Terms on older model years to 60 months on loan amounts over $20,000, otherwise 48 months.

** 72 month term available only on loan amounts of $10,000 or more.