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LOAN RATES & TERMS
Rates Subject To Change Without Notice. Rates as of .
CARS - New & Used
- New & Used Cars (1997-2004) - Up to 100% of purchase price financed
- Older Models (1996 & back) - Up to 75% of Chrome Car Book Retail financed |
| New Car |
as low as 3.99% APR
as low as 4.90% APR
|
12-60 months
84 months ($20,000+) |
Used Car
2003-2004
|
as low as 4.25% APR
as low as 4.90% APR
|
12-60 months
84 months ($20,000+) |
Used Car
1997-2002 |
as low as 4.25% APR
as low as 4.90% APR
|
12-60 months
84 months ($20,000+) |
1996 & Older Models
|
as low as 8.40% APR |
12-36 months |
BOATS - New & Used
- New Boats (certificate of origin) - Up to 100% of MSRP financed
- Used Boats - Up to 90% of NADA Value financed |
New & Used Boats
|
as low as 4.99% APR
as low as 6.75% APR
as low as 7.25% APR |
Up to 60 months
61-120 months
121-180 months |
MOTORCYCLES & PERSONAL WATERCRAFT - New & Used
- New & Used Motorcycles/Pers. Watercraft - Up to 100% of purchase price financed |
| New Motorcycle & Personal Watercraft |
as low as 9.0% APR |
12-36 months |
| Used Motorcycle & Personal Watercraft |
as low as 10.0% APR |
12-24 months |
RECREATIONAL VEHICLES - New & Used
- New & Used Motor Homes & Travel Trailers - Up to 100% of purchase price financed |
| New & Used Motor Homes &Travel Trailers |
as low as 5.99% APR |
60-180 months |
FURNITURE, APPLIANCE, & COMPUTER
|
| Furniture, Appliance, & Computer |
as low as 9.99% APR |
12-36 months |
SIGNATURE
- Aggregate total for unsecured debt $25,000. |
|
|
|
| Signature |
as low as 9.99% APR |
12-60 months |
| LINE OF CREDIT |
| Overdraft Protection & Ready Cash |
as low as 12.50% APR |
No set length |
LOANS SECURED BY SAVINGS, CDs or STOCK PLEDGES
|
| Savings- or CD-secured |
as low as 2% above rate earned |
Up to 12 months, not to exceed CD maturity |
| Stock Pledge |
as low as 6.00% APR |
Up to 12 months |
CREDIT CARDS - Visa Gold & Classic
- No annual or monthly fees; 25-day grace period
|
Fixed-Rate VISA Platinum**
Max. $20,000
|
Promotional rate****
Effective 4/1/04 - 10/12/04
3.9% APR
After 10/12/04
9.9% APR
|
Fixed-Rate VISA GOLD**
Max. $10,000 |
Promotional rate***
Effective 6/16/03 - 7/15/04
4.9% APR
Before 6/16/03, after 7/15/04
12.9% APR
|
Fixed-Rate Visa Classic**
Max. $5,000 |
Promotional rate***
Effective 6/18/03 - 7/19/04
5.9% APR
Before 6/18/03, after 7/19/04
13.9% APR
|
Variable-Rate Visa Classic**
Max. $5,000 |
7.75% APR
On total balance; adjusts monthly based on prime + 3.0%
(floor limit 7.75% cap 18.9%)
|
Variable-Rate Visa Classic**(no longer offered as of 7/1/02, $25 annual fee)
Max. $5,000 |
9.4% APR
(prime + 3.9%, with a floor of 9.4%, cap of 18.9%, may adjust monthly) |
HOME EQUITY LOANS
- Variable Rate - 80% and 100%
- MO property located in St. Louis City, county, and IL counties of St. Clair, and Monroe
Adjustable cap 2%, floor 6%, life cap 20% |
Variable-Rate HomeLine
(Home Equity Line of Credit) - 80% Equity |
Prime [4.00%]+ .5% |
| Variable-Rate HomeLine (Home Equity Line of Credit) - 100% Equity |
Prime [4.00%]+ 1.5% |
| Fixed-Rate 60% Home Equity |
4.99%Rate
5.199% APR
$20,000 minimum |
60% equity
Up to 60 months
5-year amortization
$99 documentation fee
no escrow |
| Fixed-Rate 80% Home Equity |
as low as 5.99% Rate
as low as 5.99% APR
$5,000 minimum |
80% equity
24-, 60-, 84-, or 120- month repayment terms |
| Fixed-Rate 100% Home Equity |
as low as 6.99% Rate
as low as 6.99% APR
$5,000 minimum |
100% equity
24-, 60-, 84-, or 120-month repayment terms |
| HOME IMPROVEMENT LOANS - Unsecured |
|
| 100% Home Improvement Loan |
as low as 8.99% Rate
as low as 8.99% APR
$2,500 minimum |
24-, 60-, 84-, or 120-month repayment terms |
FIRST MORTGAGES
- Fixed Rate (10-, 15-, 20-, 25-, and 30-year)
- Balloon (7-year)
- Adjustable Rate (1-, 3-, 5-, and 7-year) |
| Rates Change Daily. For current rates/terms, call our Real Estate department at 314.962.6363 and say or press 4. |
APR=Annual Percentage Rate
All Arsenal C.U. loans are simple interest loans calculated on the declining balance and have no prepayment penalties.
Variable-rate VISA CLASSIC card with a $25 annual fee no longer offered, as of July 1, 2002. Rate: 9.4% APR; adjusts quaterly based on prime +3.9%(floor limit 9.4, cap 18.9%)
*Rates quoted reflect a 0.25% discount for repayment through payroll deduction or automatic repayment thru an Arsenal checking or savings account.
**Aggregate total for unsecured debt $10,000.
***Promotional rate excludes Student, Advantage Point, Share-Secured and Variable-Rate Visa, and also cards with previous promotional rates of 9.9% APR and 10.9% APR. The promotional rate will remain in effect on the unpaid amount of purchases, cash advances and balance transfers made during this time until mid-July 2006. Balance transfers may not be used to pay off or pay down any card issued by Arsenal Credit Union. This offer is not transferable. Changes to any card member name and account number will void this offer. Balance transfers may not exceed your available credit.
****The promotional rate will remain in effect on the unpaid amount of purchases, cash advances and balance transfers made during this time period for 12 months (mid-October 2005). Balance transfers may not be used to pay off or pay down any card issued by Arsenal Credit Union. This offer is not transferable. Changes to any Card member name and Account number will void this offer. Balance transfers may not exceed your available credit.
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DEPOSIT RATES & TERMS
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CD RATES
Rates Subject To Change Without Notice. Rates as of . |
| TERM |
MINIMUM BALANCE TO EARN |
ANNUAL PERCENTAGE YIELD |
INTEREST RATE |
WITH CHECKING PLUS OR IRA CD - APY |
WITH CHECKING PLUS OR IRA CD - RATE |
3 month
None |
$500 |
0.80% |
0.80% |
0.90% |
0.90% |
6 month
Quarterly |
$500 |
1.10% |
1.10% |
1.21% |
1.20% |
12 month
Quarterly |
$500 |
1.31% |
1.30% |
1.41% |
1.40% |
18 month
Quarterly |
$500 |
1.51% |
1.50% |
1.61% |
1.60% |
24 month
Quarterly |
$500 |
1.81% |
1.80% |
1.91% |
1.90% |
36 month
Quarterly |
$500 |
2.32% |
2.30% |
2.42% |
2.40% |
48 month
Quarterly |
$500 |
2.73% |
2.70% |
2.83% |
2.80% |
60 month
Quarterly |
$500 |
3.03% |
3.00% |
3.14% |
3.10% |
36 month
Quarterly |
$5000 |
NOT CURRENTLY AVAILABLE | N/A |
N/A |
N/A |
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All certificates (except the 3 month) have the option of paying quarterly or monthly interest that would be transferred to another Arsenal Credit Union account. Interest checks may be paid monthly for all certificates with a $10,000 minimum balance. Selecting any of these interest options will affect the annual percentage yields quoted on this rate sheet - the annual percentage yields are calculated based on quarterly compounding of the interest. The minimum balance requirement is $100 for Advantage Point Club members (age 13-18) to earn the stated APY (applies to 3-, 6-, and 12-month CDs).
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Checking Account Fees
| Overdraft transfer (from savings account) |
$2.00 |
| Nonsufficient funds (includes checks, preauthorized & ACH withdrawals, & AccessPoint Internet Bill-Pay) |
$20.00/ea |
| Uncollected funds (includes checks, preauthorized & ACH withdrawals, & AccessPoint Internet Bill-Pay) |
$20.00/ea |
| Overdraft (each debit or check paid that creates a negative balance) |
$20.00 |
| Collection item (incoming & outgoing) |
$15.00 |
| Stop Payment - Check, AccessPoint Internet Bill Pay, & ACH |
$15.00 |
| Stop Payment - Series (2 or more checks) |
$30.00 |
| Account Closed by ACU |
$20.00 |
| Below minimum average daily balance fee (Checking II accounts only; no longer offered) |
$7.50/mo |
| Below minimum average daily balance fee (Arsenal Advantage accounts only) |
$8.00/mo |
| Checking Plus service fee (account no longer offered) |
$5.00/mo |
Arsenal Advantage Plus service fee
*Prime Advantage Club Members |
$5.00*/mo
$4.00/mo |
| Temporary checks (set of 10) |
$2.00 |
| Account-balancing assistance |
$20.00/hr. |
Money Orders & Other Checks
| Money Orders |
$1.50/ea |
| Cashier's Checks |
$2.00/ea |
| Agent Checks |
$2.00/ea |
Visa Traveler's Checks
*There's no charge if you have an Arsenal Advantage Plus checking account or are a member of our Prime Advantage seniors club. |
$1.00*
per $100 |
Plastic Card Fees
| Transaction at an Arsenal-owned ATM or CO-OP Network machine using ATM card issued by Arsenal Credit Union |
No charge |
| Transaction using ATM card from Arsenal at an ATM not owned by Arsenal and not in the CO-OP Network (withdrawals, transfers & inquiries) |
$.85/ea |
| Transaction at an ACU-owned ATM by member not using an ATM card from Arsenal or a credit union in the CO-OP Network |
$1.50/ea |
| Card Replacement |
$3.00/card |
| Inactive (debit only) |
$5.00/yr |
| Sales draft copy |
$8.00/ea |
| T&E documentation |
$25.00/req |
| Abuse/revoke |
$15.00 |
| Trans. fee for credit card purchases/cash advances |
No Charge |
| Annual fee for Visa credit card |
No Charge |
| Late-payment/over-limit fees on unsecured Visa |
$25/$25 |
Late-payment on secured Visa credit card
If minimum periodic payment (MPP) is $25 or less
If MPP is more than $25 |
$5.00
5% of MPP or $25, whichever is less, but not less than $10 |
| Statement Copy |
$1.50per month |
Safe Deposit Box Fees
(only available at Arnold and Watson locations)
| 3x 5 box rental |
$15.00/yr |
| 5x 5 box rental |
$25.00/yr |
| 3x10 box rental |
$30.00/yr |
| 5x10 box rental |
$45.00/yr |
| 7x10 box rental (n/a at Watson Branch) |
$60.00/yr |
| 10x10 box rental |
$75.00/yr |
| Key deposit |
$10.00 |
Miscellaneous Fees
| ActionLine transactions (transfer money between accounts, request withdrawals, make loan payments, etc., through Arsenal's 24-hour audio response system) |
No charge |
| Inquiry or account transfer by phone (not through ActionLine) |
$2.00/ea |
| AccessPoint Internet transactions (transfer money between accounts, request withdrawals, make loan payments, etc., through your computer & the Internet) |
No charge |
| AccessPoint Internet Bill-Paying Service |
$3.00/mo |
| Set-up fee for Internet Bill-Paying Service |
No charge |
| Notary service (members) |
No charge |
| Notary service (non-members) |
$2.00/ea |
| Copy of check or statement |
$1.50/ea |
| Account activity printout |
$3.50 |
| Early withdrawal on Christmas Club or Vacation Club account |
$25.00/ea |
| Excessive withdrawal from savings account (over-the-counter, in excess of 3 per month) |
$5.00/ea |
| Account closed within 90 days of opening |
$10.00 |
| Inactive account (no activity for 9 months or more and no other accounts at ACU) |
$5.00/year |
| Undeliverable statement |
$3.00 |
| Deposit items returned unpaid |
$15.00/ea |
| Locator fee |
$5.00/year |
| Garnishment & levies |
$50.00 |
| Redemption of coupon bonds |
$15.00 |
| IRA rollover/transfer fee (to another financial institution) |
$25.00 |
| Research/document retrieval |
$20.00/hr |
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