Rates as of ‚Äč‚ÄčNovember 16, 2015


Be part of something good when you borrow from AppleTree Credit Union.  For every new loan, AppleTree will donate 25 meals to Hunger Task Force.

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10-Year, Fixed Rate Smart Refi Home Loan

AppleTree Credit Union can help you pay off your mortgage loan sooner.  With our 10-Year Smart Refi, Fixed Rate Home Loan, closing costs are only $299.  That’s it!  All other closing costs are paid by us, possibly saving you thousands of dollars.  We make the process uncomplicated, plus we don’t sell our mortgages and there’s no prepayment penalty.

Right now, the rate is 2.999%APR1 that's fixed for 10 years. 
How much will you save?  Call us and we'll gladly help you decide if this is the right choice for you!

  Rate APR* Term Calc. Apply
2007 - 2016 Auto, Truck, or Motorcycle
1.80 1.80 60
2007-2016 Auto, Truck or Motorcycle
1.99 1.99
2001-2006 Auto, Truck, or Motorcycle 3.59 3.59 48  
2001-2006 Auto, Truck, or Motorcycle
4.59 4.59 60
Second mortgages
$10,000 or more
 5 Year, 80% LTV 2.899  2.899  60     
 7 Year, 80% LTV 3.499 3.499  84     
 5 Year, 90% LTV 3.899  3.899 60    
7 Year, 90% LTV 4.499 4.499 84  
Home Equity Line of Credit  
 Line of credit, 80% LTV  3.25 3.25       
 Line of credit, 90% LTV 4.25  4.25      
Secured Loans 8.990 8.990 24  
Secured Loans 9.490 9.490 36  
Secured Loans 9.990 9.990 48  
Personal Loans 7.99 7.99 36  
Personal Loans 8.99 8.99 48  

*APR is annual percentage rate.  Rates include our automatic payment method and sign-up for eStatements. Rates can change at anytime without notice. Example: A 2007 -2016 auto loan at 1.80%APR, the payment per thousand is $17.45 for 60 mo.; At 1.99%APR for 72 months the payment per thousand is $14.75; a second mortgage at 2.899% would be $17.93 per ‚Äčthousand borrowed for 5 years. No refinances of ATCU loans. Minimum auto/truck/motorcycle loan amount is $5,000. Terms are from 24 months to 72 months for auto loans (2007 or newer), 48-180 for second mortgages with the rate fixed for up to 84 months; the home equity line-of-credit rate may change with the prime rate.  Interest accrues from date of loan. Please use our online application for all loans except for a home equity line of credit.

Save money with our Smart Refi Mortgage Loan.  Closing costs are only $70!**

5-year First Mortgage

Rate Points APR* Calc Apply
2.699 0 2.699    

7-year First Mortgage

Rate Points APR* Calc Apply
3.099 0 3.099     

**For loans of $50,000 to $249,999. Normal lending policies apply including no refinances of ATCU loans.  Limited time offer.
*APR is annual percentage rate. Rates assume electronic payment method and eStatements enrollment. Rate subject to change without notice. Normal lending policies apply including 1-2 family, owner-occupied residence. 80% LTV or less. Call the credit union for current closing costs. Fees for loans over $100,000 are higher. Jumbo loans in excess of $417,000 may be available. Contact the credit union for program rates and fees. See credit union for any special promotions. Payment is $17.84 per thousand for 5 years. Property insurance required. Interest accrues from date of loan. Equal housing opportunity.


Effective April 1, 2009: Maximum deposit limits may apply. Please call the credit union for details on this or review our Truth in Savings for additional important information.  Please read our Truth-in-Savings disclosure in its entirety as it has pertinent information regarding your account and membership.

  Dividend Rate APY* Term
Savings-$500 - $2,499 0.06 0.06 n/a
Savings $2,500 - $4,999 0.11 0.11 n/a
Savings $,5000-$9,999 0.16 0.16 n/a
Savings $10,000 + 0.16 0.16 n/a
ChoiceChecking 0.11 0.11 n/a
SaversChoice 0.11 0.11 n/a
Fun Money Club 0.11 0.11 n/a
Money Market $1,999 or Less 0.09 0.09 n/a
Money Market $2,000 to $9,999 0.29 0.29 n/a
Money Market $10,000 - $24,999 0.31 0.31 n/a
Money Market $25,000 - $49,999 0.33 0.33 n/a
Money Market $50,000 or more 0.459 0.46 n/a
APY is annual percentage yield. Rates can change after the account is opened. Rates can change at any time. Minimum balance to obtain APY: Savings rate depends on balance $500; $2,500; $5,000. ChoiceChecking $2,000; Fun Money Club $25. SaversChoice $200; Fees could reduce earnings. The credit union reserves the right to limit deposit amounts.


  Dividend Rate APY* Term
SPECIAL:  Regular Certificate- 6 Months .75 .75 6
SPECIAL: Certificates- 1 Year 1.00 1.00 12
Certificates- 2 Years 1.15 1.15 24
Certificates- 3 Years 1.20 1.20 36
Certificates- 5 Years 1.24 1.24 60
IRA Savings 0.21 0.21 n/a

*APY is annual percentage yield. Rates can change at any time. Minimum balance to obtain APY is $5000; for members 17 and younger $500. Early withdrawal penalties will be imposed. Fees may reduce earnings. Credit union reserves the right to limit deposit amount.

All deposit accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Individual Retirement Accounts are insured to $250,000. The brochure "Your Insured Funds" can be found at the credit union or on NCUA.gov for additional information and examples.    

110-Year Smart Refi Home Loan:  APR is Annual Percentage Rate. Special rate and program is effective as of 11/1/2014, is subject to change without notice, and assumes electronic payment and e-statement enrollment. At 2.999%, cost per thousand is $9.66 for 120 months. Minimum loan amount in $50,000; maximum $249,999, 80% LTV or less, 1-2 family owner-occupied residences only. Property insurance required.  Excludes AppleTree refinances. Interest accrues from date of loan. Subject to approved credit. Normal lending policies apply. Anyone who lives or works in Milwaukee County or Waukesha County is eligible to join. NMLS ID 446368



Better Rates. Uncomplicated Service.
11333 West Greenfield Avenue, West Allis, WI 53214
Phone: 414.546.7800     Fax: 414.546.7815
Lost/Stolen FlexCard: 1.800.236.2442
Routing/ABA # 275082471
NMLSR ID: 446368