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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!
 

Loan Rates

Auto and Motorcycle Loans

Model YearTermAPRPYMT/$1000
2012 to Current Year602.49%$17.75
2012 to Current Year663.39%$16.64
2012 to Current Year723.79%$15.56
2015 to Current Year845.39%$14.33
2006 to 2011485.39%$23.22
2006 to 2011606.39%$19.53

APR is Annual Percentage Rate. Normal lending policies apply. Assumes 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-year**2.499%$9.43

*Smart Refi 5 and 7 year First Mortgages 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 $10,000. The 5- and 7-year Smart Refi is a first mortgage balloon loan where the rate is fixed for 5 or 7 years. Loan can be amortized up to 30 years. Closing costs are due at application and do not include appraisal. If an appraisal is needed, these fees range from $350 - $700. Property insurance required. Excludes ATCU refinances. NMLS ID: 446368.

**Smart Refi 10 year First Mortgages 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. 80% LTV (loan-to-value) or less. Closing costs are due at application and do not include appraisal. If an appraisal is needed, these fees range from $375 - $900. Call AppleTree Credit Union for rates and closing costs for jumbo mortgage loans. Property insurance required. Excludes ATCU refinances. NMLS ID: 446368.

 

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*2.899%*
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
Savings0.06%0.06%
Loan Rewards Savings*0.44%0.44%
Fun Money0.06%0.06%
Summer Pay Plan0.06%0.06%
IRA Savings0.06%0.06%

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 Less0.05%0.05%
$2,000 to $9,9990.09%0.09%
$10,000 - $24,9990.19%0.19%
$25,000 - $49,9990.19%0.19%
$50,000 - $99,9990.29%0.29%
$100,000+0.29%0.29%

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 Month0.19%0.19%
1 Year0.44%0.44%
2 Year0.49%0.49%
3 Year0.49%0.49%
5 Year0.69%0.69%

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.