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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 effective 04/02/2018 and are subject to change without notice.

Loan Rates


Loan TypeAPR*TermPMT/$1000
Auto Loans*   
2013 - 2018 Auto, Truck, or Motorcycle2.89%66$16.42
 3.89%72$15.61
 4.89%84$14.10
2010-2012 Auto, Truck, or Motorcycle2.89%66$16.42
 3.89%72$15.61
2004-2009 Auto, Truck, or Motorcycle4.89%48$23.00
 5.89%60$19.30
Second mortgages--$10,000 or more**   
5 Year, 80% LTV3.199%60$18.07
7 Year, 80% LTV3.899%84$13.63
5 Year, 90% LTV4.199%60$18.52
7 Year, 90% LTV4.899%84$14.10
Home Equity Line of Credit***   
Line of credit, 80% LTV4.75%
 
Line of credit, 90% LTV5.75%
 
Secured Loans****8.99%24$45.69
 9.49%36$32.04
 9.99%48$25.37
Personal Loans****7.99%48$24.41
 8.99%60$20.76

APR is Annual Percentage Rate. Rates subject to change without notice. Normal lending policies apply. Equal Opportunity Lender.

AUTO: *Rates assume electronic payment and e-statement sign-up. Minimum loan amount is $5,000. Interest accrues from date of loan. Loans and rates subject to credit approval. SECOND MORTGAGE:  **APR available on owner-occupied, 1-2 family primary residences currently not for sale. Rates assume electronic payment and e-statement sign-up.  Minimum loan amount is $10,000; Closing costs are $170 for loans under $99,999 excluding an appraisal and title insurance, if needed; these fees could range from $350 - $800. 90% LTV or less. Property insurance required. Excludes AppleTree refinances. Subject to approved credit. NMLS ID 446368  HELOC: ***Variable APR available on owner-occupied, 1-2 family primary residences currently not for sale. Rates subject to change monthly on the first business day following any change in the Prime Rate as published in the Wall Street Journal, and assumes electronic payment and e-statement sign-up. As of March 1, Prime Rate, currently at 4.50%, as published in the Wall Street Journal plus a margin of 0% (80% LTV) or 1% (90% LTV). Maximum APR is 18%. Payment is 1.5% of the unpaid balance as of the last advance or $75. Minimum line of credit is $10,000; Closing costs are $170 for loans under $99,999 excluding an appraisal and title insurance, if needed; these fees could range from $350 - $800. 90% LTV or less. Property insurance required. Excludes AppleTree refinances. Subject to approved credit. NMLS ID 446368  PERSONAL/SECURED LOANS: **** Rates assume electronic payment and e-statement sign-up.  Minimum loan amount is $1,000. Maximum $10,000. Interest accrues from date of loan. Loans and rates subject to credit approval.

 

Smart Refi Mortgages*

Mortgage TypeRateAPR*PMT/$1,000
5-year Smart Refi2.899%2.899%$17.93
7-year Smart Refi3.199%3.199%$13.31
10-year Fixed Rate, Smart Refi3.199%3.199%$9.75

 

*APR is Annual Percentage Rate. Rate is subject to change without notice and assumes electronic payment and e-statement sign-up. 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. The 10-year rate is fixed rate and term. See credit union for all closing costs/rates/terms. Closing costs due at application. Call AppleTree for rates and closing costs for jumbo mortgage loans. 80% LTV or less. 1–2 family owner-occupied residences not for sale 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 Rates

 

Savings

Account TypeDividend Rate APY*Term
Savings-$500 - $2,4990.06%0.06%n/a
Savings $2,500 - $4,9990.11%0.11%n/a
Savings $,5000-$9,9990.16%0.16%n/a
Savings $10,000 +0.16%0.16%n/a
LoanRewards Savings**0.75%0.75%n/a
Fun Money Club0.11%0.11%n/a
Money Market $1,999 or Less0.09%0.09%n/a
Money Market $2,000 to $9,9990.29%0.29%n/a
Money Market $10,000 - $24,9990.31%0.31%n/a
Money Market $25,000 - $49,9990.33%0.33%n/a
Money Market $50,000 or more0.459%0.46%n/a

Effective April 1, 2009: Maximum deposit limits may apply. Please call the credit union for details on this or review ourTruth-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.


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. LoanRewards $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

Account TypeDividend RateAPY*Term
Certificate- 6 Months0.748%0.75%6
Certificates- 1 Year1.10%1.10%12
Certificates- 2 Years1.35%1.35%24
Certificates- 3 Years1.40%1.40%36
Certificates- 5 Years1.45%1.45%60
IRA Savings0.21%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.