Rates
Deposit Balance Required for Dividends
Dividend Rate
Annual Percentage Yield
$ 100.00 - $ 999.99 0.30% 0.30% $ 1,000.00 - $19,999.99 0.30% 0.30% $ 20,000.00 & over 0.30% 0.30% Share rates are good through September 30, 2010
Type Current Dividend Rate Annual Percentage
RateAdvantage Club Rate Annual Percentage Yield
(Advantage Club)6 Month Certificate 0.50%** 0.75%** 12 Month Certificate 0.75% 0.76% 1.00% 1.01% 24 Month Certificate 1.25% 1.26% 1.50% 1.51% 36 Month Certificate 2.00% 2.01% 2.25% 2.27% 48 Month Certificate 2.25% 2.27% 2.50% 2.52% 60 Month Certificate 2.50% 2.52% 2.75% 2.78%
** Simple InterestShare Certificate rates effective 09-01-12 through 09-08-10. The minimum opening deposit is $500.00. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.
Type Minimum Deposit Dividend Rate Annual Percentage Yield Money Market $2,500.00 0.15% 0.15% Money Max $10,000.00 0.25% 0.25% Diamond Account $50,000.00 0.40% 0.40% Variable rate accounts change with market conditions. Rates good through September 30, 2010.
Type Deposit Balance
Required for DividendDividend Rate Annual Percentage Yield Smart Checking $ 500.00 - $ 1,499.99
0.15% 0.15% $ 1,500.00 - $24,999.99
0.15% 0.15% $25,000.00 - $49,999.99
0.25% 0.25% $50,000.00 - $74,999.99
0.25% 0.25% $75,000.00 - Over
0.25% 0.25% Advantage Checking $100 -Over
0.15% 0.15% Fees could reduce earnings on all accounts. Checking Account rates good through September 30, 2010.
Loan Types Approximate
TermAPR
Rates as Low As:Payment
CalculatorNew & Used Auto: (Up to 4 years old)
Up to 36 months
3.75%+ Calculator 37 - 60 months
4.75% + Calculator 61- 72 months
5.50% + Calculator Used Auto: (model years 5-7) Up to 48 months
5.95% + Calculator Motorcycle: Auto rate & term + 1%
Other Secured - Balance $3000-$10,000 Up to 36 months
8.50% + Calculator New Motor Homes & Boats Up to 72 months
8.00% + Calculator Used Motor Homes & Boats Up to 60 months
8.50% + Calculator Computer Loan - Balance $ 250-$5,000 Up to 42 months
8.50% + Calculator Personal Loan - Balance $250 - $10,000 Up to 48 months
9.00% + Calculator Member Express Loan - Balances up to $750 Up to 6 months
14.95% + Calculator Share Secured Loan Up to 60 months
6.00% Calculator Certificate Secured Loan
See Below Calculator *Prime Plus (Line of Credit) 10.00% * EmoryLine-Overdraft Protection Up to $10,000
Student EmoryLine Up to $30012.00% +
12.00% +
+ These rates are Emory ACU's best rates. The rate may vary depending on each individual's credit history and underwriting factors.. There is a $25 Application Fee.
Loan rates are effective as of April 26, 2010. All rates, terms and conditions are subject to change at any time without notice. For more information, please call the Loan Department for further assistance. To apply for any of our loan products, click on Loan Express.
Variable Rate Prime Plus (Line of Credit): The Annual Percentage Rate (APR) for new and existing balances will be the Prime Rate (Index), plus a Margin of 4.0%. We will use the most recent Index value available to us as of the last day of the month prior to any annual percentage rate adjustment. The APR will change quarterly on the first day of January, April, July, and October to reflect any change in the Index. The APR will never be less than 10.0%. The APR will never be greater than 18.0% or the maximum rate allowed by law, whichever is less. The APR will not increase or decrease more than 2.0% in any one year period. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid.
CERTIFICATE SECURED: The ANNUAL PERCENTAGE RATE (APR) will be the dividend rate being paid on the certificate offered as security (Index) plus 3.0%. The certificate must be renewed until the advance is completely paid. Failure to renew the certificate will result in default. When the certificate is renewed the APR may change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The present APR and Daily Periodic Rate will be disclosed at the time of advance.
