Rates

Table data for Auto Loans
New & Used	Rates	Alert Me
	As low as 4.69% APR*

*APR as low as = Annual Percentage Rate. Annual Percentage Rates are effective as of 1/1/2025. Rates shown include discounts of up to 0.70% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union guidelines.

Table data for Boat, RV, Watercraft, Motorcycles
New & Used	Rates	Alert Me
	As low as 5.09% APR*

**APR as low as = Annual Percentage Rate. Annual Percentage Rates are effective as of 1/1/2025. Rates shown include discounts of up to 0.30% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union guidelines.

Table data for Unsecured Loans
Loan	Rate	Alert Me
Signature Loan (up to 36 months)	As low as 9.99% APR*

Signature Loan (37 to 48 months)	As low as 10.99% APR*

Signature Loan (49 to 60 months)	As low as 11.99% APR*

Visa® Platinum	Fixed at 9.99% APR*

Visa® Classic	Fixed at 12.99% APR*

Line of Credit	As low as 10.99% APR*

*APR as low as = Annual Percentage Rate. Annual Percentage Rates are effective as of 1/1/2025. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union guidelines.

Table data for Certificates ¹
12/19/2024
Min. Balance	Term	APY**	Dividend Rate
$1,000.00 and up	6 Months	0.10%	0.100%

$1,000.00 and up	12 Months	2.00%	1.982%

$1,000.00 and up	18 Months	0.80%	0.797%

$1,000.00 and up	24 Months	0.65%	0.648%

$1,000.00 and up	36 Months	0.75%	0.747%

$1,000.00 and up	48 Months	0.65%	0.648%

$1,000.00 and up	60 Months	1.00%	0.995%

$1,000 to $99,999 ²	7 Month Special	4.25%	4.169%

$100,000 and up ²	7 Month Special	4.40%	4.314%

Table data for Savings Account
Account	APY**	Alert Me
$500.00 - $24,999.99	0.15%

$25,000.00 and up	0.40%

Kid's Club	1.00% ³

Christmas Club	1.00% ⁴

Table data for Checking Account
Account	APY**	Alert Me
$0.00 and up	0.00%

Table data for Baby Boomer Checking
Account	APY**	Alert Me
$5,000.00 and up	0.55%

Table data for IRA Accounts
Account	APY**	Alert Me
$0.00 - $4,999.99	1.25%

$5,000.00 - $24,999.99	1.25%

$25,000.00 - $74,999.99	1.50%

$75,000.00 and up	1.50%

Disclosures

¹ Jumbo CD - min $75,000 not available for 6mo term. Super Jumbo - min $245,000 not available in 6 or 12mo term. See Truth-in-Savings Disclosures for complete information.

² APY = Annual Percentage Yield stated for balances over $100,000. The 7-Month Certificate of Deposit is a Limited-time promotion and is subject to change without notice. The promotional rate is available for members with, a) a current America's CU checking account, b) if member does not have a checking account with America's CU they can bring a minimum of $10,000 to the existing credit union funds to purchase the CD, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days to be considered for the promotional rate. Additional promotional rates are available starting at $1,000.00. See our CD and IRA rates.

³ 1.00% APY dividend for Christmas Club Accounts with up to $10,000.00 plus accrued dividends, Christmas Club Accounts in excess of $10,000.00 plus accrued dividends earn a 0.05% APY dividend.

⁴ 1.00% APY dividend for Kid's Club Accounts with up to $50,000.00, Kid's Club Accounts in excess of $50,000.00 earn 0.05%. New Kid's Club Accounts will be required to be sub-account of the parent, relative/legal guardian account and have E-Statement on this account to earn the 1.00% APY. Kid's Club Accounts are only available for children up to age 18. Ask for details to earn posted rates on Kid's Club and Christmas Club Accounts.