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Home Equity Loans

Effective Date: October 1, 2020

*APR = Annual Percentage Rate

Loan Type APR* Monthly payment per $10,000
5 Year Fixed as low as 4.004% $183.06
10 Year Fixed as low as 4.636% $103.66
15 Year Fixed as low as 5.599% $81.74

*APR = Annual Percentage Rate. Rate is fixed for the term of the loan. Advertised rate is current as of 10/1/2020. Actual rate is based on applicant’s credit score, term of loan, and loan to value. Loan is subject to credit approval. Qualifications and limitations may apply. Credit Union membership required. Rates and terms subject to change. Borrow at 4.004% APR for 5 years and make monthly payments of $183.06 per $10,000 borrowed. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.  Minimum loan amount $10,000; maximum loan amount $500,000. Borrower pays all applicable closing costs and range $350 to $3050. Homeowners insurance required. Offer valid only for residential properties located in Minnesota and Piece, Polk, St. Croix, Bayfield, Burnett, Washburn, Douglas, Barron and Ashland Counties of Wisconsin.

Home Equity Line of Credit

*APR = Annual Percentage Rate

APR* Monthly Payment Per $10,000
Rates as low as 3.50% $125.00

*APR = Annual Percentage Rate. Advertised rate is current as of 10/1/20. Actual rate is based on applicant’s credit score, term of loan, and loan to value. Loan is subject to credit approval. Rates and terms subject to change. Credit Union membership required. Rates are variable and adjust quarterly for the first 5 years and then annually thereafter and are based on Prime plus or minus a margin.  Estimated monthly payments of $125.00 per $10,000 borrowed. Payments are based on 1.25% of the principal balance as of the 30th of the month. Finance charges begin to accrue on the day an advance is made on the line. No annual fee. Minimum rate 3.50% APR (floor); maximum rate 18.00% APR. Minimum loan amount $10,000; maximum loan amount $500,000. Borrower pays all applicable closing costs and range $350 to $3050. Homeowners insurance required. Offer valid only for residential properties located in Minnesota and Piece, Polk, St. Croix, Burnett, Washburn, Douglas, Bayfield, Barron and Ashland Counties of Wisconsin.

 

Home Equity Line of Credit Special Offer

*APR = Annual Percentage Rate

APR* Monthly Payment Per $10,000

1.99%**   Introductory Rate, 1st 3 months

Current non-introductory rate 3.50% APR

$125.00

*APR = Annual Percentage rate. Advertised rate is current as of 10/1/20. Actual rate is based on applicant’s credit score, term of loan, and Loan to Value. **Introductory rate of 1.99% APR for three months then Prime -0.50% (currently 3.25% APR). The current non introductory variable rate is as low as 3.50% APR and is based on applicant's credit score and loan to value. Loan is subject to credit approval. Offer limited to 80% Loan to Value or less. Loan is subject to credit approval. Rates and terms subject to change. Credit Union membership required. Borrow at a fixed 1.99% APR for 3 months; estimated monthly payments of $125.00 per $10,000 borrowed. Payments are based on 1.25% of the principal balance as of the 30th of the month. Rates become variable after the initial 3 month term and adjust quarterly for the first 5 years and then annually thereafter. Rates based on Prime plus or minus a margin. Finance charges begin to accrue on the day an advance is made on the line. No annual fee. Minimum non introductory rate 3.50% APR; maximum rate 18.00% APR. Minimum loan amount $10,000; maximum loan amount $500,000. Borrower pays all applicable closing costs and range $350 to $3050. Homeowners insurance required. Offer valid only for residential properties located in Minnesota and Piece, Polk, St. Croix, Burnett, Washburn, Douglas, Bayfield, Barron and Ashland Counties of Wisconsin.

New Auto Loan Rates

Effective Date: October 1, 2020

*APR= Annual Percentage Rate

Maximum Loan to Value = 115% for qualified borrowers

Model Year APR* Term Monthly Payment Per $1000
2019-2021 Rates as low as 1.74% 1 - 24 Months $42.43
Rates as low as 2.49% 25 - 48 Months $21.91
Rates as low as 2.74% 49 - 60 Months $17.85
Rates as low as 3.54% 61 - 72 Months $15.44
Rates as low as 4.49% 73 - 84 Months $13.90

*APR = Annual Percentage Rate. Advertised rate is current as of 10/1/2020 and is fixed for the term of the loan. Borrow at 1.74% APR for 24 monthly payments of $42.43 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically. Rate may increase by the amount of the discount(s) if requirement(s) are no longer met. Loan is subject to approval and the rate may vary based on individual credit and term.  Certain restrictions may apply.   No minimum loan amount. Maximum loan amount $75,000. Payments may be deferred upon credit approval for up to 90 days.  Deferred payments may not exceed 90 days.  Interest begins accruing upon disbursal of loan.  Offer valid on new and used auto loans. AHCU Membership required. Offer not valid on loans currently financed with AHCU. Offer subject to change or termination. 

Pre-owned Auto Loan Rates

*APR= Annual Percentage Rate

Model Year APR* Term Monthly Payment Per $1000
2011-2019 Rates as low as 1.74% 1 - 24 Months $42.43
Rates as low as 2.74% 25 - 48 Months $22.02
Rates as low as 2.99% 49 - 60 Months $17.96
Rates as low as 3.99% 61 - 72 Months $15.65

*APR = Annual Percentage Rate. Advertised rate is current as of 10/1/20 and is fixed for the term of the loan. Borrow at 1.74% APR for 24 monthly payments of $42.43 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically. Rate may increase by the amount of the discount(s) if requirement(s) are no longer met. Loan is subject to approval and the rate may vary based on individual credit and term.  Certain restrictions may apply.   No minimum loan amount.  Maximum loan amount $100,000. Payments may be deferred upon credit approval for up to 90 days.  Deferred payments may not exceed 90 days.  Interest begins accruing upon disbursal of loan.  Offer valid on new and used auto loans. AHCU Membership required. Offer not valid on loans currently financed with AHCU. Offer subject to change or termination. 


Recreational Vehicle Loan Rates 

*APR= Annual Percentage Rate

APR* Term Monthly Payment Per $1000
Titled & Non-Titled Recreational Vehicles  2014 - 2020
Motorcycles, Camper, Boat, Travel Trailers, Horse Trailer, Jetski, ATV, Snowmobile, Ice/Fish House
Rates as low as 1.74% 1 - 24 Months $42.43
Rates as low as 2.44% 25 - 36 Months $28.84
Rates as low as 3.14% 37 - 48 Months $22.20
Rates as low as 3.44% 49 - 60 Months $18.16
Rates as low as 3.94% 61 - 72 Months $15.64

*APR = Annual Percentage Rate. Advertised rate is current as of 10/1/20 and is fixed for the term of the loan. Borrow at 1.74% APR for 24 monthly payments of $42.43 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically. Rate may increase by the amount of the discount(s) if requirement(s) are no longer met. Loan is subject to approval and the rate may vary based on individual credit and term.  Certain restrictions may apply.   No minimum loan amount.  Maximum loan amount $100,000.  Payments may be deferred upon credit approval for up to 90 days.  Deferred payments may not exceed 90 days.  Interest begins accruing upon disbursal of loan.  Offer valid on new and used recreational vehicle loans. AHCU Membership required. Offer not valid on loans currently financed with AHCU. Offer subject to change or termination. 

Recreational Vehicle Loan Rates Special Offer

*APR= Annual Percentage Rate

APR* Term Monthly Payment Per $1000
Titled & Non-Titled Ice/Fish Houses  2014 - 2020
Rates as low as 0.99%  Rate Extended - Apply Now! 1 - 12 Months $83.79

*APR = Annual Percentage Rate. Advertised rate is current as of 10/1/2020 and is fixed for the term of the loan. Borrow at 0.99% APR for 12 monthly payments of $83.79 per $1,000 borrowed. Loan is subject to approval and the rate may vary based on individual credit and term.  Certain restrictions may apply.  Maximum loan amount $100,000. Payments may be deferred upon credit approval for up to 90 days.  Deferred payments may not exceed 90 days.  Interest begins accruing upon disbursal of loan.  Offer valid on new and used ice/fish house applications received between 10/1/2020 and 1/31/21. AHCU Membership required. Offer not valid on loans currently financed with AHCU. Offer subject to change or termination. 

Unsecured Loan Rates

Effective Date: December 1, 2020

*APR = Annual Percentage Rate

Loan Type APR* Monthly Payment Per $1000
Rapid Advance Line of Credit1 Rates as low as 6.75%  $40.00
Signature Loan2 Rates as low as 10.24%  $46.10

1APR = Annual Percentage Rate. 6.75% APR is our lowest available rate as of 12/1/2020. Rate adjusts monthly based on prime plus a margin and applies to the entire outstanding balance. Maximum rate is 15.25% APR. Rate is variable. Finance charge begins to accrue on the day an advance is made on the line. Late Fee $25, and Returned Payment Fee $33, No annual fee. Minimum loan amount $500; maximum loan amount $100,000. Payments are calculated on 2% of the outstanding balance or $25, whichever is greater. Your Rapid Advance Line of Credit is subject to approval and the rate may vary based on your individual credit, term, and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. AHCU Membership required.  Does not apply to loans currently financed with Anoka Hennepin Credit Union.  Offer subject to change or termination.

2Signature Loan. APR = Annual Percentage Rate. Advertised rate is current as of 12/1/2020 and is fixed for the term of the loan. Borrow at 10.24 APR for 60 monthly payments of $46.10 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically. Rate may increase by the amount of the discount(s) if requirement(s) are no longer met. Loan is subject to approval and the rate may vary based on individual credit and term. Certain restrictions may apply. No minimum loan amount; maximum loan amount of $25,000. Payments may be deferred upon credit approval for up to 90 days. Deferred payments may not exceed 90 days. Interest begins accruing upon disbursal of loan. AHCU Membership required. Offer not valid on loans currently financed with AHCU. Offer subject to change to or termination..

 

Holiday Loan Rate Special Offer  Apply Now!

Effective Date: December 1, 2020

*APR = Annual Percentage Rate

Loan Type APR* Monthly Payment Per $1000
Holiday Loan - Unsecured Loan1 Rates as low as 5.90%  $86.14

1APR = Annual Percentage Rate. Rate is fixed for the term of the loan. Advertised rate is current as of 12/1/2020. Borrow $10,000 at 5.90% APR for 12 monthly payments of $861.36 or $86.14 per $1,000 borrowed. Minimum loan amount $500. Maximum loan amount $10,000. Rates include a .25% discount for auto paying electronically. Rate may increase by the amount of the discount(s) if requirements are no longer met. Actual rate and credit limit may vary based on individual credit terms. Loan subject to approval and qualifications. Certain restrictions may apply. AHCU Membership required. Offer valid on Personal Loans opened between 12/1/20 and 1/15/2021 and does not apply to loans currently financed with AHCU. Offer subject to change or termination.

 


Secured Loan Rates

Effective Date: December 1, 2020

*APR = Annual Percentage Rate

Type APR* Term Monthly Payment Per $1000
Share Secured
Up to 100% of available shares.
As low as 3.01% Up to 60 Months $84.71
Certificate Secured
Up to 100% of certificate.
As low as 3.25% Up to 60 Months $84.81

Share Secured*APR = Annual Percentage Rate. Advertised rate is current as of 12/1/2020 and is fixed for the term of the loan and is based on 3% over the current account APY. Borrow at 3.01% APR for 12 monthly payments of $84.71 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically. Rate may increase by the amount of the discount(s) if requirement(s) are no longer met. Loan is subject to approval and the rate may vary based on individual credit and term.  Certain restrictions may apply.   Minimum loan amount $500. No maximum loan amount.  Loan is secured by up to 100% of available shares. Payments may be deferred upon credit approval for up to 90 days.  Deferred payments may not exceed 90 days.  Interest begins accruing upon disbursal of loan.  AHCU Membership required. Offer not valid on loans currently financed with AHCU. Offer subject to change or termination. 

Certificate Secured*APR = Annual Percentage Rate. Advertised rate is current as of 12/1/2020 and is fixed for the term of the loan and is based on 3% over the current account APY. Borrow at 3.25% APR for 12 monthly payments of $84.81 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically. Rate may increase by the amount of the discount(s) if requirement(s) are no longer met. Loan is subject to approval and the rate may vary based on individual credit and term.  Certain restrictions may apply.   Minimum loan amount $1,000. No maximum loan amount.  Loan is secured by up to 100% of share certificate and is limited to the term of the certificate. Payments may be deferred upon credit approval for up to 90 days.  Deferred payments may not exceed 90 days.  Term of loan cannot exceed the term of the certificate.  Interest begins accruing upon disbursal of loan.  AHCU Membership required. Offer not valid on loans currently financed with AHCU. Offer subject to change or termination. 

 

Credit Cards

Effective Date: October 1, 2020

Interest Rates and Interest Charges mastercard logo

Annual Percentage Rate (APR) for Purchases

Platinum Mastercard

8.90%

Gold Mastercard

11.90%

APR for Balance Transfers

Platinum Mastercard

8.90%

Gold Mastercard

11.90%

APR for Cash Advances

Platinum Mastercard

8.90%

Gold Mastercard

11.90%

 

How to Avoid Paying Interest on Purchases

Your 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 entire

balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a

credit card, visit the website of the Consumer Financial Protection

Bureau at http://www.consumerfinance.gov/learnmore.

Fees

 

Transaction Fees

-  Cash Advance Fee

 

-  Foreign Transaction Fee

 

$2.00 or 2.00% of the amount of each cash advance, whichever is

greater (Maximum Fee: $25.00)

1.00% of each transaction in U.S. dollars

Penalty Fees

-  Late Payment Fee

-  Returned Payment Fee

 

Up to $25.00

Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.

Effective Date:
The information about the costs of the card described in this application is accurate as of: April 1, 2016
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Platinum Mastercard and Gold Mastercard are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures:

Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are seven or more days late in making a payment.

Cash Advance Fee (Finance Charge):
$2.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $25.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$8.95.

Document Copy Fee:
$5.00.

Rush Fee:
$65.00.

Statement Copy Fee:  
$5.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Savings Rates

Effective Date: December 1, 2020

Rate means Dividend Rate
^APY means Annual Percentage Yield

All rates are shown as anticipated dividends.  APY is shown as anticipated annual percentage yield.  Conditions and rates are subject to change at any time.

See fee schedule for a list of applicable fees you may encounter.

Type Rate APY^ Minimum
Share Savings   0.01% 0.01% $5 Membership Share

Rates are variable and subject to change.  Minimum balance to open account, maintain membership and earn disclosed APY is $5.00.  Fees may reduce earnings. If the account is closed before accrued dividends are credited you will not receive the accrued dividends.

 

Type Rate APY^ Minimum
 Holiday Club and Vacation Club  0.01% 0.01% N/A

Rates are variable and subject to change.  No minimum opening balance or minimum balance.  AHCU membership required.  Fees may reduce earnings. If the account is closed before accrued dividends are credited you will not receive the accrued dividends. Funds in these accounts are automatically transferred to your Share Savings Account on April 1st for Vacation Club and November 1st for Holiday Club.  The accounts will remain open.

 

Type Rate APY^ minimum to earn apy^

IRA Money Market

Roth IRA Money Market

Coverdell IRA Money Market

 0.02% 0.02% $100

Rates are variable and subject to change.  Minimum balance to open and avoid a service fee is $100.  AHCU membership required.  Minimum balances are required to earn disclosed APY.  Fees may reduce earnings. If the account is closed before accrued dividends are credited you will not receive the accrued dividends.  Transactions are allowed up to the current maximum annual contributions/distribution limits based on Federal IRA deposit limits and your personal tax situation, consult your tax consultant for further details.

 

Amount Rate APY^ minimum to earn apy^
Insured Money Market
$0 - $10,000.00 0.02% 0.02% $2,500
$10,000.01 - $25,000.00 0.04% 0.04% $10,000.01
$25,000.01 - $50,000.00 0.06% 0.06% $25,000.01
$50,000.01 - $100,000.00 0.10% 0.10% $50,000.01
$100,000.01 & Above 0.15% 0.15% $100,000.01

Rates are variable and subject to change.  Minimum balance to open and avoid a service fee is $2,500.  AHCU membership required.  Minimum balances are required to earn disclosed APY.  Fees may reduce earnings. If the account is closed before accrued dividends are credited you will not receive the accrued dividends.

Certificates

Type Rate APY^ minimum to open
Certificates
6 Month 0.10% 0.10% $1,000
12 Month 0.20% 0.20% $1,000
18 Month 0.35% 0.35% $2,500
24 Month 0.50% 0.50% $2,500
36 Month 0.65% 0.65% $5,000
48 Month 0.75% 0.75% $5,000
60 Month 1.00% 1.01% $5,000

Rates are fixed for the term of the certificate.  AHCU membership required.  Minimum balances required to open and earn disclosed APY.  Fees may reduce earnings. Early withdrawal penalties apply.  Additional deposits not allowed during the term of the certificate.  Certificates automatically renew at current rate and term.   

 

Type Rate APY^ minimum to open
IRA Certificates: Traditional, ROTH, & Coverdell
12 Month 0.20% 0.20% $500
36 Month 0.65% 0.65% $500
60 Month 1.00% 1.01% $500

Rates are fixed for the term of the certificate.  AHCU membership required.  Minimum balances required to open and earn disclosed APY.  Fees may reduce earnings. Early withdrawal penalties apply.  Additional deposits allowed during the term of the certificate.  Certificates automatically renew at current rate and term.   Transactions are allowed up to the current maximum annual contributions/distribution limits based on Federal IRA deposit limits and your personal tax situation, consult your tax consultant for further details.

Checking Rates

Effective Date: December 1, 2020

Rate means Dividend Rate
^APY means Annual Percentage Yield

See fee schedule for a list of applicable fees you may encounter.

type rate ^apy minimum to open
EveryDay Checking 0.00% 0.00% $25

AHCU membership required.  See the Fee Schedule for any applicable fees.  For Everyday Checking accounts, minimum opening deposit of $25 required.  For qualifying EveryDay Checking you may also qualify to have the monthly service fee for the dividend period waived if you meet one the following requirements: A) you are between the ages of 13 and 23 or B) are enrolled in and receive e-Statements and one of the following. 1) have a minimum balance of $25,000.00 as stated in the Rate Schedule; 2) receive a minimum of $500.00 in direct deposit(s) monthly; 3) make 10 debit card transactions monthly; or 4) have a total of $5,000.00 in outstanding loan balances at the end of the month. If you do not meet any of the monthly qualification requirements for your account, you will be charged a service fee as stated in the Fee Schedule

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