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Savings Rates - New high rates!
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Savings and checking accounts
Rates effective: January 1, 2023Interest rates on savings and checking accounts
Account type Annual percentage Return (APY) Minimum to earn dividends Minimum opening balance Account type Shared savings Annual percentage Return (APY) .05% Minimum to earn dividends $100 Minimum opening balance $5 Account type Youth account Annual percentage Return (APY) .05% Minimum to earn dividends 无 Minimum opening balance $5 Account type Money market deposit Annual percentage Return (APY) .50% Minimum to earn dividends $0 - $2,499.99 Minimum opening balance 无 Account type Money market deposit Annual percentage Return (APY) .60% Minimum to earn dividends $2,500 - $9,999.99 Minimum opening balance $2,500 Account type Money market deposit Annual percentage Return (APY) .60% Minimum to earn dividends $10,000 - $24,999.99 Minimum opening balance $10,000 Account type Money market deposit Annual percentage Return (APY) .75% Minimum to earn dividends $25,000 - $74,999.99 Minimum opening balance $25,000 Account type Money market deposit Annual percentage Return (APY) .75% Minimum to earn dividends $75,000 + Minimum opening balance $75,000 Account type Club special account Annual percentage Return (APY) .05% Minimum to earn dividends $100 Minimum opening balance 无 Account type IRA savings Annual percentage Return (APY) .50% Minimum to earn dividends 无 Minimum opening balance 无 Account type Free bonus check Annual percentage Return (APY) inapplicability Minimum to earn dividends inapplicability Minimum opening balance $0 Account type Check - regularly Annual percentage Return (APY) 无 Minimum to earn dividends 无 Minimum opening balance 无 Savings account。Expenses may reduce revenue。The yield may change after opening an account。
Free Bonus Check: Cash back is calculated based on the total amount of eligible debit card transactions。Account without interest。1% cash back on the first $1,000 transaction。The maximum cash back is $10。Up to $10 in ATM fees can be refunded if the reward criteria are met。In order to meet the minimum requirements, transactions must be made during the eligibility period and must be cleared/deposited into the account。From the date of the transaction, it may take one or more banking days for the transaction to be posted and settled in your account。Credit card and signature, password and debit payment transactions must be cleared by the end of the month。Standard fees will apply if the account is inactive for more than 12 months。There is no overdraft fee for debit card transactions less than $30。This only applies to debit card transactions。There is no $30 grace period before fees are charged for ACH transactions。Overdraft fees must be paid within 45 days。If the courtesy payment is disabled and the transaction is declined, the courtesy payment will not be paid。In these cases, non-cash payments will be charged。Courtesy payments include the following types of transactions: checks, ACH and other transactions using checking accounts, automated bill payments, recurring transactions set up using debit cards, ATM transactions, daily debit card transactions, and point-of-sale (POS) transactions。ATM transactions, daily debit card transactions, and point-of-sale (POS) transactions need to be selected separately。Membership required。Federal insurance is provided by NCUA。
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Huge stock and IRA certificates
Rates Effective: October 1, 2023
Jumbo bond rate
术语 Annual percentage Return (APY) Platinum APY Minimum to earn dividends Minimum opening balance 术语 Six month extra large bond Annual percentage Return (APY) 5.40% Platinum APY 5.50% Minimum to earn dividends $100,000 Minimum opening balance $100,000 术语 12 months huge certificate Annual percentage Return (APY) 5.40% Platinum APY 5.50% Minimum to earn dividends $100,000 Minimum opening balance $100,000 术语 24-month extra large bond Annual percentage Return (APY) 4.15% Platinum APY 4.25% Minimum to earn dividends $100,000 Minimum opening balance $100,000 Production may change at any time。
All certificates。In addition to the specified no penalty certificate, early withdrawal may be subject to a penalty。Expenses may reduce revenue。
Applies only to traditional and Roth types。
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Stocks and IRA certificates
Rates Effective: October 1, 2023
Interest rates on stocks and IRAs
术语 Annual percentage Return (APY) Platinum APY Minimum to earn dividends Minimum opening balance 术语 6 months certificate Annual percentage Return (APY) 5.40% Platinum APY 5.50% Minimum to earn dividends $500 Minimum opening balance $500 术语 12 months Stock Builder's certificate Annual percentage Return (APY) 5.40% Platinum APY 5.50% Minimum to earn dividends $25 Minimum opening balance $500 术语 12 months certificate Annual percentage Return (APY) 5.40% Platinum APY 5.50% Minimum to earn dividends $500 Minimum opening balance $500 术语 15 months certificate Annual percentage Return (APY) 5.05% Platinum APY 5.15% Minimum to earn dividends $500 Minimum opening balance $500 术语 15 month certificate (no penalty1 Annual percentage Return (APY) 4.95% Platinum APY 5.05% Minimum to earn dividends $500 Minimum opening balance $500 术语 18 months certificate Annual percentage Return (APY) 4.15% Platinum APY 4.25% Minimum to earn dividends $500 Minimum opening balance $500 术语 24 months certificate Annual percentage Return (APY) 4.15% Platinum APY 4.25% Minimum to earn dividends $500 Minimum opening balance $500 术语 36 months certificate Annual percentage Return (APY) 3.65% Platinum APY 3.75% Minimum to earn dividends $500 Minimum opening balance $500 术语 48 months certificate Annual percentage Return (APY) 3.40% Platinum APY 3.50% Minimum to earn dividends $500 Minimum opening balance $500 术语 60 months certificate Annual percentage Return (APY) 2.90% Platinum APY 3.00% Minimum to earn dividends $500 Minimum opening balance $500 Production may change at any time。
All certificates。In addition to the specified no penalty certificate, early withdrawal may be subject to a penalty。Expenses may reduce revenue。
Platinum certificate。APYs is higher by 0.10%。The Platinum level is a reward for members who choose us as a major financial institution。The Platinum award begins with members who maintain a monthly average total household balance of $50,000 or more。
Shareholder Certificate: Deposits can be increased at any time during the validity of the certificate。
Also available for traditional, Roth, and Coverdell savings accounts。
1The 15-month certificate has no penalty for withdrawing the balance at any time during the term。Does not meet the IRA certificate requirements。
Loan interest rate
- Mortgage loan
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Home equity loans and lines of credit
Rates Effective: October 1, 2023
Home equity loan rates
类型 As low as APR*。 Loan and Value (LTV) Sample monthly payment of $10,000 类型 Home equity line of credit1 As low as APR*。 8.75% Loan and Value (LTV) 80% Sample monthly payment of $10,000 inapplicability 类型 Home equity line of credit1 As low as APR*。 9.50% Loan and Value (LTV) 90% Sample monthly payment of $10,000 inapplicability 类型 Home equity line of credit1 As low as APR*。 10.00% Loan and Value (LTV) 100% Sample monthly payment of $10,000 inapplicability 类型 Equity Loan Express - 10 year term As low as APR*。 7.375% Loan and Value (LTV) 80% Sample monthly payment of $10,000 $118.08 类型 Equity Loan Express - 10 year term As low as APR*。 8.125% Loan and Value (LTV) 90% Sample monthly payment of $10,000 $116.78 类型 Equity Loan Express - 10 year term As low as APR*。 8.375% Loan and Value (LTV) 100% Sample monthly payment of $10,000 $123.34 类型 Equity Loan Express - 15 year term As low as APR*。 7.75% Loan and Value (LTV) 80% Sample monthly payment of $10,000 $94.13 类型 Equity Loan Express - 15 year term As low as APR*。 8.50% Loan and Value (LTV) 90% Sample monthly payment of $10,000 $98.47 类型 Equity Loan Express - 15 year term As low as APR*。 8.75% Loan and Value (LTV) 100% Sample monthly payment of $10,000 $99.94 类型 Equity Loan Express - 20 years term As low as APR*。 8.00% Loan and Value (LTV) 80% Sample monthly payment of $10,000 $83.64 类型 Equity Loan Express - 20 years term As low as APR*。 8.75% Loan and Value (LTV) 90% Sample monthly payment of $10,000 $88.73 类型 Equity Loan Express - 20 years term As low as APR*。 9.00% Loan and Value (LTV) 100% Sample monthly payment of $10,000 $89.97 1APR = annual percentage rate。Not everyone can qualify for the lowest interest rates。The interest rate of the HELOC is variable and will change as the quarterly interest rate is adjusted。The annual interest rate will not be less than 3.75% and not more than 18%。Exclusions and conditions apply。Interest charges apply only if you use the credit。Property insurance required。Offer is only available for self-use, single-family residential real estate located in Virginia, Maryland and Washington, D.C.。The ACFCU must obtain a valid first or second lien on the collateral, and all owners must sign the document。All payments are applied to the lower balance first。The maximum loan amount is $30,000 and the loan interest rate is 95% or higher。
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Credit card
Rates Effective: October 1, 2023
Consumer credit card Annual rate (APR) and fees
Transaction type 签名 铂金 classic Transaction type 购买 签名 As Low As 17.25% APR* 铂金 As Low As 16.00% APR* classic As Low As 14.25% APR* Transaction type Cash advance 签名 As Low As 17.25% APR* 铂金 As Low As 16.00% APR* classic As Low As 14.25% APR* Transaction type Balance transfer 签名 As Low As 17.25% APR* 铂金 As Low As 16.00% APR* classic As Low As 14.25% APR* Transaction type A grace period to repay the balance of purchases 签名 Average 25 days 铂金 Average 25 days classic Average 25 days Transaction type Balance of purchase 签名 Average daily balance (including new purchases 铂金 Average daily balance (including new purchases classic Average daily balance (including new purchases Rates and fees apply only to consumer credit cards。Not applicable to business credit cards。Information about fees for these Visa cards® programs described above is accurate as of October 1, 2023. Here is our most recent Credit card agreement.This information may change after this date。To find out what may have changed, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。
Rates Effective: October 1, 2023Consumer credit card Features and rewards
Features and advantages 签名 铂金 classic Features and advantages 技术 签名 Contactless cards with new card prompts and card controls 铂金 Contactless cards with new card prompts and card controls classic Contactless cards with new card prompts and card controls Features and advantages Line of credit 签名 高达$30,000 铂金 高达$30,000 classic 高达$30,000 Features and advantages cardholder 签名 Single or joint account, authorized user 铂金 Single or joint account。 Authorized user classic Single or joint account。 Authorized user Features and advantages Introductory offer 签名 Balance transfers made within 90 days of opening an account carry an annual interest rate of 1 for 12 months.99%*。 Earn 40,000 points if you spend $3,000 within 90 days of opening your account。 铂金 Balance transfers made within 90 days of account opening and 1 within 12 months.99% APR *。 Earn 20,000 points when you spend $1,500 within 90 days of opening your account。 classic inapplicability Features and advantages Bonus points 签名 Earn 3 points for every $1 spent on travel, dining, groceries and gas。Earn 1 for every $1 spent on other purchases.5分。 铂金 Earn 2 points for every $1 spent on meals, groceries and gas。Earn 1 point for every $1 spent on other purchases。 classic inapplicability Features and advantages Reward option 签名 Exchange for cash, travel, merchandise, gift cards, and more。 铂金 Exchange for cash, travel, merchandise, gift cards, and more。 classic inapplicability Features and advantages Point constraint 签名 无 铂金 无 classic inapplicability Features and advantages Points due 签名 5年 铂金 5年 classic inapplicability Rates and fees apply only to consumer credit cards。Not applicable to business credit cards。Information about fees for these Visa cards® programs described above is accurate as of October 1, 2023. Here is our most recent Credit card agreement.This information may change after this date。To find out what may have changed, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。
Rates Effective: October 1, 2023Consumer credit card charges
费用 签名 铂金 classic 费用 年费 签名 无 铂金 无 classic 无 费用 Account establishment fee 签名 无 铂金 无 classic 无 费用 Advance the fee in cash 签名 2% No minimum/no maximum 铂金 2% No minimum/no maximum classic 2% No minimum/no maximum 费用 Balance transfer fee 签名 2% of the amount of each transfer 铂金 2% of the amount of each transfer classic 2% of the amount of each transfer 费用 Late payment fee 签名 $29 铂金 $29 classic $29 费用 Foreign transaction fee 签名 无 铂金 1% of the transaction value classic 1% of the transaction value Rates and fees apply only to consumer credit cards。Not applicable to business credit cards。Information about fees for these Visa cards® programs described above is accurate as of October 1, 2023. Here is our most recent Credit card agreement.This information may change after this date。To find out what may have changed, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。
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Auto loan
Rates Effective: June 28, 2023
Interest rates on new and used car loans
Type and model year Clause at most Fixed APR * Low to Sample monthly payment of $20,000† Type and model year New and used。2016 and beyond Clause at most 36个月 Fixed APR * Low to 4.99% Sample monthly payment of $20,000† $599 Type and model year New and used。2016 and beyond Clause at most 60个月 Fixed APR * Low to 5.59% Sample monthly payment of $20,000† $383 Type and model year New and used。2016 and beyond Clause at most 72个月 Fixed APR * Low to 5.99% Sample monthly payment of $20,000† $331 Type and model year New and used。2016 and beyond Clause at most 84个月 Fixed APR * Low to 6.99% Sample monthly payment of $20,000† $302 Type and model year New and used。2016 and beyond Clause at most 96个月 Fixed APR * Low to 8.74% Sample monthly payment of $20,000† $726 (minimum loan amount $50,000) Type and model year Older cars: Models from 2015 and before Clause at most 36个月 Fixed APR * Low to 5.99% Sample monthly payment of $20,000† $608 Type and model year Older cars: Models from 2015 and before Clause at most 60个月 Fixed APR * Low to 6.59% Sample monthly payment of $20,000† $392 Type and model year Older cars: Models from 2015 and before Clause at most 72个月 Fixed APR * Low to 6.99% Sample monthly payment of $20,000† $341 Type and model year Older cars: Models from 2015 and before Clause at most 84个月 Fixed APR * Low to 7.99% Sample monthly payment of $20,000† $312 *APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. Maximum loan to value restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Members who apply online will receive a 0.50% APR discount on an Auto Loan. To qualify for as low as rate, members must meet credit criteria qualifications and apply for the car loan via our Online application.
† Because payment protection is built into the loan and the first payment due date is not 30 days after financing, payment instances may vary。
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Boat and RV loans
Rates effective: June 24, 2022
Boat and RV loan rates
Model year Clause at most Fixed APR * Low to Sample monthly payment of $40,000† Model year 10 years or newer Clause at most 96 months (loan limit up to $50,000)。 Fixed APR * Low to 8.00% Sample monthly payment of $40,000† $565 Model year 10 years or newer Clause at most 120 months (loan amount up to $150,000)。 Fixed APR * Low to 8.75% Sample monthly payment of $40,000† $501 Model year 10 years or newer Clause at most 144 months (loan limit is $200,000)。 Fixed APR * Low to 9.75% Sample monthly payment of $40,000† $472 *APR = annual percentage rate。Interest rates are subject to change without notice。Not all applicants qualify for the lowest interest rate。The offer does not apply to existing ACFCU auto loans。Up to 110% financing for new cars/motorcycles;Used motorcycles are available at NADA retail value。New and used boats/RVS can be financed up to 95%。Loans and memberships apply。To qualify for low interest rates, members must meet the credit criteria qualification and 2 of the 3 criteria below。An active ACFCU checking account with at least $1,000 in monthly direct deposit, an active ACFCU Visa® credit card with at least $1,000 in balance, and/or through our auto loan application。 Online application.
† Because payment protection is built into the loan and the first payment due date is not 30 days after financing, payment instances may vary。
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Motorcycle loan
Rates Effective: June 28, 2023
Motorcycle loan rate
Model year Clause at most Fixed APR * Low to Sample monthly payment of $20,000† Model year New and used。2016 and beyond Clause at most 36个月 Fixed APR * Low to 6.99% Sample monthly payment of $20,000† $612 Model year New and used。2016 and beyond Clause at most 60个月 Fixed APR * Low to 7.59% Sample monthly payment of $20,000† $401 Model year New and used。2016 and beyond Clause at most 72个月 Fixed APR * Low to 7.99% Sample monthly payment of $20,000† $344 Model year New and used。2016 and beyond Clause at most 84个月 Fixed APR * Low to 8.99% Sample monthly payment of $20,000† $546 (minimum loan amount $35,000) *APR = annual percentage rate。Interest rates are subject to change without notice。Not all applicants qualify for the lowest interest rate。The offer does not apply to existing ACFCU auto loans。Up to 110% financing for new cars/motorcycles;Used motorcycles are available at NADA retail value。New and used boats/RVS can be financed up to 95%。Loans and memberships apply。To qualify for low interest rates, members must meet the credit criteria qualification and 2 of the 3 criteria below。An active ACFCU checking account with at least $1,000 in monthly direct deposit, an active ACFCU Visa® credit card with at least $1,000 in balance, and/or through our auto loan application。 Online application.
† Because payment protection is built into the loan and the first payment due date is not 30 days after financing, payment instances may vary。
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Personal loan
Rates effective: May 9, 2023
Personal and secured loans
类型 Loan cap Up to APR* Low to Monthly payment sample1 类型 Savings guarantee Loan cap Available savings balance Up to Not the same APR* Low to Yield +3% Monthly payment sample1 That's right。 类型 Certificate of security Loan cap Certificate balance Up to The remaining time of the certificate term APR* Low to 速率+3% Monthly payment sample1 That's right。 类型 Quick cash2 Loan cap $1,000 Up to 12个月 APR* Low to 16.78% Monthly payment sample1 $87换$1,000 类型 Personal loan Loan cap $10,000 Up to 48个月 APR* Low to 9.99% Monthly payment sample1 $178 is $7,000 or $25 is $1,000 类型 Personal loan Loan cap $20,000 Up to 60个月 APR* Low to 10.99% Monthly payment sample1 Exchange $217 for $10,000 or $22 for $1,000 类型 Personal loan Loan cap $50,000 Up to 72个月 APR* Low to 11.49% Monthly payment sample1 Exchange $482 for $25,000 or $19 for $1,000 类型 Personal credit line Loan cap $25,000 Up to Rotary type APR* Low to 9.75% Monthly payment sample1 That's right。 *APR = annual percentage rate。Interest rates are subject to change without notice。The interest rate is effective from May 9, 2023。Members who apply online will receive a personal loan of 0.25% APR discount。Not all applicants qualify for the lowest interest rate。To qualify for the lowest interest rate, members must meet credit criteria eligibility and apply online。The minimum loan amount is $1,000。The maximum loan amount is $25,000。
1Because payment protection is built into the loan and the first payment is not due 30 days after the funds are available, payment examples may vary。
2You must have been a member for at least 90 days before applying。All accounts and loans must be active within the last 6 months (not negative or delinquent)。No personal loan can be rejected within the last 3 months。Direct deposit is not required。However, a deposit of $1,000 is required for each of the past two calendar months。Each member can only have one quick cash loan, and only one loan at a time, with a maximum of two loans every 12 months。Current quick cash loans must have a six-month payment period before they can be refinanced。Only master account holders can apply for fast cash loans。$1,000 quick cash, 8.99% interest rate +$40 finance fee =16.78% APR total。Examples of monthly payments: 16.78% APR *12 months =$87 monthly payment。Payment is based on the first due date within 30 days of closing。
Business tax
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Credit card
Rates effective: January 1, 2023
Transaction type Platinum award Transaction type 购买 Platinum award Rates as low as 15.00% Transaction type Cash advance Platinum award Rates as low as 15.00% Transaction type Balance transfer Platinum award Rates as low as 15.00% Transaction type A grace period to repay the balance of purchases Platinum award Average 25 days Transaction type Balance of purchase Platinum award Average daily balance (including new purchases Rates and fees apply to business credit cards only。Not applicable to consumer credit cards。Information about fees for these Visa cards® The scenario described above is accurate as of January 1, 2023。Here are our latest Credit card agreement。 This information may change after this date。To find out about possible changes, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。
Rates effective: January 1, 2023Business credit card Features and rewards
Features and advantages Platinum award Features and advantages 技术 Platinum award Contactless cards with EMV chips provide an additional layer of protection against fraud Features and advantages Line of credit Platinum award 高达$50,000 Features and advantages cardholder Platinum award Single or joint account, authorized user Features and advantages Bonus points Platinum award Earn 1 point for every dollar spent on all purchases Features and advantages Reward option Platinum award Exchange for cash, travel, merchandise, gift cards Features and advantages Point constraint Platinum award 无 Features and advantages Points due Platinum award 5年 Rates and fees apply to business credit cards only。Not applicable to consumer credit cards。Information about fees for these Visa cards® The scenario described above is accurate as of January 1, 2023。Here are our latest Credit card agreement。 This information may change after this date。To find out about possible changes, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。
Rates effective: January 1, 2023Business credit card fees
费用 Platinum award 费用 年费 Platinum award 无 费用 Account establishment fee Platinum award 无 费用 Advance the fee in cash Platinum award 2% 费用 Balance transfer fee Platinum award 2% 费用 Late payment fee Platinum award $29 费用 Foreign transaction fee Platinum award Up to 1% of the transaction value Rates and fees apply to business credit cards only。Not applicable to consumer credit cards。Information about fees for these Visa cards® The scenario described above is accurate as of January 1, 2023。Here are our latest Credit card agreement。 This information may change after this date。To find out about possible changes, please call us。 703.526.0200 Or write to us。P.O. Box 40070, Arlington, VA 22204-7070。
Why Arlington
As a full-service credit union, we are a cooperative organization of members just like you, and we know that by standing together, we can all benefit on our financial journey。
Financial empowerment
We are here to help our members and neighbors achieve their financial goals and live their best lives。
Reward experience
We believe that there is nothing more meaningful than serving our members and believe that one good transformation is worth another。
Integrity first
We not only meet your financial needs, but also promise to be your good neighbor and honest service。