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Rates

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.

Rates as of July 1, 2014

 Loans   Mortgages   Savings    Certificates

Loans

  Rate APR* Term Calc. Apply
New Auto, Truck, or Motorcycle 2.29 2.29 60
New Auto, Truck or Motorcycle
3.29 3.29 72    
Used Auto, Truck, or Motorcycle 2.29 2.29 60  
Used Auto, Truck or Motorcycle 3.29 3.29 72  
2006 and newer  
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 10.990 10.990 24  
Personal Loans 11.490 11.490 36  

*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 2006 or newer auto loan at 2.29% for 60 months would be $17.66 per $1,000 borrowed; for 72 months the payment per thousand is $15.33; a second mortgage at 2.899% would be $17.93 per $1000 borrowed. 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 (2006 or newer), 48-180 for second mortages 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.

Mortgages
Save money with our Smart Refi Mortgage Loan!  Apply by July 15, 2014 and the 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.
*APR is annual percentage rate. Rates assume electronic payment method and sign-up for eStatements. 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.

Savings

Effective April 1, 2009: Maximum deposit limits may apply. Please call the credit union for details on this or review our Truth-in-Savings disclosure 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 0.359 0.36 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.


Certificates

  Dividend Rate APY* Term
Certificates- 6 Months 0.25 0.25 6
SPECIAL: Certificates- 1 Year** 0.75 0.75 12
Certificates- 2 Years 0.75 0.75 24
Certificates- 3 Years 0.99 0.99 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.

**New deposit only, MAXIMUM AGGREGATE APPLIES.


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.    

 


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