Rate & Fee Schedule

Rates as of January 1, 2019
Rates are subject to change. Please check with your local service center.

The rates, fees, and terms applicable to your account at the Credit Union are provided in the Rate & Fee Schedule. The Credit Union may offer other rates for these accounts from time to time.

Atrium Credit Union-Rates and Fee Schedule Brochure

Loan Rates

Description Fixed APR Var. APR Term
Mortgage Loans
See Links direct to MYCUMORTGAGE, rates change daily, apply online
Signature Loans
As Low As 9.95% n/a 4 Years (48 Months)
Vehicle & Boat Loans
Pre-Approved Loans receive .10% off the quoted rates
Rate Adjustments will take place for loan to value. call for details.
Direct Deposit for three months or more .25% off quoted rates.
2016-Newer Auto Loans
As Low As 6.95 n/a 108 Months (9 Years) $35,000 minimum NEW
As Low As 5.95 n/a 8 Years (96 Months) New $30,000 minimum
As Low As 4.95 n/a 7 Years (84 Months) New $25,000 minimum
As Low As 3.95 n/a 6 Years (72 Months) $20,000.00 minimum
As Low As 2.95 n/a 5 Years (60 Months)
As Low As 2.95 n/a 4 Years (48 Months)
As Low As 2.75 n/a 3 Years (36 Months)
As Low As 2.50 n/a 2 Years (24 Months)
2014-2015 Auto Loans
As Low As 3.95 n/a 4 Years (48 Months)
As Low As 3.75 n/a 3 Years (36 Months)
2011-2013 Auto Loans
As Low As 4.95 n/a 4 Years (48 Months)
As Low As 4.75 n/a 3 Years (36 Months)
2010 and Older Loans
As Low As 5.95 n/a 4 Years (48 Months)
Share Certificate Accounts
1.85% over share dividend rate Maximum Term 36 months
Term Deposit Accounts
1.85% over share dividend rate Maximum term 36 months

Share Rates

Description APR APY
SHARE ACCOUNTS MINIMUM DEPOSIT TO EARN DIVIDENDS IS $100
Share Savings .10 .10
COMPOUNDING CERTIFICATES MINIMUM DEPOSIT OF $500 AND HAVE PENALTY FOR EARLY WITHDRAWAL
6 Month Term .50 .50
12 Month Term .75 .75
24 Month Term 1.00 1.00
EARNINGS TO SHARE CERTIFICATES HAVE MINIMUM DEPOSIT OF $500 AND PENALTY FOR EARLY WITHDRAWAL
6 Month Term .50 .50
12 Month Term .75 .75
24 Month Term 1.00 1.00
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In the event your card is lost or stolen please contact ACU at (513) 974-5179 during regular business hours.
After hours, contact 1 (800) 523-4175.