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Rates

Rates as of ​May 1, 2017

 

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.

 Loans   Mortgages   Savings    Certificates

 

  Rate APR* Term Calc. Apply
2012 - 2017 Auto, Truck, or Motorcycle
2.29 2.29 66

3.29 3.29 72    

3.99 3.99 84

 
2009-20011  Auto, Truck, or Motorcycle 2.29 2.29 66
 3.29 3.29  72     
2003-2008 Auto, Truck, or Motorcycle
3.69 3.69 48

 
Second mortgages--$10,000 or more  
5 Year, 80% LTV 2.999  2.999  60     
7 Year, 80% LTV 3.599 3.599  84    
5 Year, 90% LTV 3.999 3.999 60     
7 Year, 90% LTV 4.599 4.599 84
 
Home Equity Line of Credit  
 Line of credit, 80% LTV 4.00 4.00     
 Line of credit, 90% LTV 5.00 5.00        

   
 
 Secured Loans 8.99 8.99 24
 
  9.99 9.99 48

Personal Loans 7.99 7.99 36
 
  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 2017 or newer auto loan at 2.29% for 66 months would be $​16.15 per $1,000 borrowed; for 72 months the payment per thousand is $15.33. No refinances of ATCU loans. Minimum auto/truck/motorcycle loan amount is $5,000. Terms are from 24 months to 84 months for auto loans (2012 or newer). Second mortgage at 2.999% would be $17.98 per $1000 borrowed; 48-180 for second mortgages with the rate fixed for up to 84 months; the home equity line-of-credit rate will 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.

Smart Refi Mortgages


5-year First Mortgage

Rate Points APR* Calc Apply
2.899 0 2.899    
 


7-year First Mortgage

Rate Points APR* Calc Apply
3.199 0 3.199     

**For loans of $50,000 to $249,999. Normal lending policies apply including no refinances of ATCU loans.  Limited time offer.

10-year First Mortgage

Rate Points APR* Calc Apply
3.299 0 3.299


*APR is annual percentage rate. Rates subject to change without notice and assumes electronic payment and e-statement sign-up. Rate is a 5-year first mortgage balloon loan that can be amortized up to 30 years. $17.93 per thousand/2.899%/60 months.; $9.80 per thousand/3.299%/120 months. See credit union for all closing costs/rates/terms. Call ATCU for rates and closing costs for jumbo mortgage loans. 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. NMLS ID 4463683

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 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
LoanRewards Savings** 0.75 0.75 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. ​**Available to members with loans at the credit union.


Certificates

  Dividend Rate APY* Term
Certificate- 6 Months 0.748 0.75 6
Certificates- 1 Year 1.10 1.10 12
Certificates- 2 Years 1.35 1.35 24
Certificates- 3 Years 1.40 1.40 36
Certificates- 5 Years 1.45 1.45 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.    

 



IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

 

 


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