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Routing/ABA # 275082471

Rates

Be part of something good when you borrow from AppleTree Credit Union. For every new loan, AppleTree makes a donation to Hunger Task Force. Your new loan provides meals to area families in need. Thank you!

Rates are effective as of March 1, 2021 and are subject to change without notice. 

 

Loan Rates

Auto and Motorcycle Loans

Model YearTermAPRPYMT/$1000
2017 - Current Year601.99%$17.53
2017 - Current Year662.49%$16.23
2017 - Current Year722.79%$15.11
2019 - Current Year843.49%$13.44
2013 - 2016602.79%$17.88
2013 - 2016662.99%$16.45
2013 - 2016723.29%$15.33
2007 - 2012485.39%$23.21
2007 - 2012606.39%$19.52

APR is Annual Percentage Rate. Rates are subject to change without notice. Normal lending policies apply. Rates assume electronic payment and e-statement sign-up. Minimum loan amount is $5,000. Excludes ATCU refinances.

 

Smart Refi First Mortgage

Mortgage TypeAPRPYMT/$1,000
5-year*1.999%$17.53
7-year*2.299%$12.91
10-year2.399%$9.38

APR is Annual Percentage Rate, APR and closing costs are subject to change without notice and feature electronic payment and e-statement sign-up. 80% LTV or less. Applies to not-for-sale, 1-4 family owner-occupied residences only. Excludes ATCU refinances. Minimum loan amount $10,000. Property insurance required. Interest accrues from date of loan note. Subject to approved credit. Normal lending policies apply. Closing costs due at application. Closing costs do not include appraisal, if needed; this fee could range from $350 - $1000. Call AppleTree for rates, terms and closing costs for jumbo mortgage loans. Anyone who lives in Milwaukee, Waukesha, Ozaukee, Washington, or Racine counties is eligible to join. NMLS ID: 4463683.

 *The 5- and 7-year smart refi is a first mortgage balloon loan where the rate is fixed for 5 or 7 years; it can be amortized up to 30 years. 

 

Second Mortgage

Mortgage TypeTermAPRPYMT/$1000
80% LTV603.699%$18.29
 844.399%$18.86
90% LTV604.699%$18.74
 845.399%$14.33

APR is Annual Percentage Rate. Normal lending policies apply. Assumes electronic payment and e-statement sign-up. APR available on owner-occupied, 1-4 family primary residences currently not for sale. Minimum loan amount is $10,000. Closing costs are $295 for loans under $99,999, excluding an appraisal. If an appraisal is needed, these fees range from $375 - $900. 90% LTV (loan-to-value) or less. Property insurance required. Loan can be amortized up to 15 years. Excludes ATCU refinances. NMLS ID: 446368.

 

Home Equity Line of Credit

Loan TypeTermAPR
New--Intro Rate*12 Month*1.499%*
80% LTVPrime+0%3.25%
90% LTVPrime+1%4.25%

APR is Annual Percentage Rate. Normal lending policies apply. Assumes electronic payment and e-statement sign-up. Variable APR available on owner-occupied, 1-4 family primary residences currently not for sale. Rates subject to change monthly on the first Monday following any change in the Prime Rate, currently 3.25% as of March 16, 2020, as published in the Wall Street Journal. Maximum APR is 17.39%. Payment is 1.5% of the unpaid balance as of the last advance or $75 whichever is greater. Minimum line of credit is $10,000. Closing costs are $295 for loans under $99,999, excluding an appraisal. If an appraisal is needed, these fees range from $375 - $900. 90% LTV (loan-to-value) or less. Property insurance required. No annual fee.

*Intro rate is locked for 12 months from closing date and then will change to Prime +0%. This intro rate is available for homes with a LTV (loan-to-value) up to 80%. Intro rate available once per member and property. Excludes ATCU refinances.

 

Personal/Secured Loans

Loan TypeTermAPRPYMT/$1000
Personal Loan487.99%$24.41
 608.99%$20.76
Secured Loan248.99%$45.68
 369.49%$32.03
 489.99%$25.36

APR is Annual Percentage Rate. Normal lending policies apply. Assumes electronic payment and e-statement sign-up. Minimum loan amount is $1,000. Maximum loan amount is $10,000.

 

Savings Rates

Savings

Account TypeDividend Rate APY
Savings0.04%0.04%
Loan Rewards Savings*0.29%0.29%
Fun Money0.04%0.04%
Summer Pay Plan0.04%0.04%
IRA Savings0.04%0.04%

APY is annual percentage yield. Rates can change after the account is opened. Rates can change at any time. Minimum balance to earn dividends: Savings $500; LoanRewards $200; Fun Money $25; Summer Pay Plan $200. Fees could reduce earnings.

*Available to members with loans at the credit union.

 

Money Market

Account TypeDividend Rate APY
$1,999 or Less0.04%0.04%
$2,000 to $9,9990.07%0.07%
$10,000 - $24,9990.12%0.12%
$25,000 - $49,9990.12%0.12%
$50,000 - $99,9990.17%0.17%
$100,000+0.22%0.22%

APY is annual percentage yield. Rates can change after the account is opened. Rates can change at any time. Dividends are paid monthly. Minimum to open account is $2,000.

 

Certificates: Regular or IRA

Account TypeDividend Rate APY
6 Month0.09%0.09%
1 Year0.29%0.29%
2 Year0.39%0.39%
3 Year0.39%0.39%
5 Year0.54%0.54%

APY is annual percentage yield. Minimum balance to earn dividends is $5000; for members 17 and younger $500. Early withdrawal penalties will be imposed. Fees may reduce earnings. Dividends paid annually, except for 6-month certificate which is paid quarterly. Personal accounts only.

All deposit accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. 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.