Loans | Mortgage | Savings | Certificates

LOAN RATES Effective: November 22, 2011 Proof of income(s) with your application. Regular Loan Rates: Min. APR*  Max. APR* Term   New Autos    2.90% 18.00%  up to 60 m Calculator New Autos (84 month term when financing more than $28,000)  3.90% 18.00%  up to 84 m Calculator Used Autos - **term varies by model year 3.90% 18.00% up to 48 m** Calculator Older Model Autos - ***term varies with amount financed 3.90% 18.00% up to 42 m*** Calculator New Motorcycles 4.25% 18.00% up to 72 m Calculator Used Motorcycles 3.90% 18.00% up to 48 m Calculator New Boats 4.25% 18.00% up to 96 m Calculator Used Boats 4.25% 18.00% up to 72 m Calculator New Motor Homes / RV's 6.00% 18.00% up to 120 m Calculator Used Motor Homes / RV's 6.00% 18.00% up to 96 m Calculator Signature Loans 9.00% 18.00%  up to 36 m Calculator VISA Credit Cards 8.90% 17.90% ----- Calculator Share Secured VISA Credit Cards 10.90% 10.90% ----- Calculator Share Secured (3% above Regular Shares Dividend Rate)     up to 120 m Calculator Certificate Secured (Rate on your Certificate plus 2%)     up to 120 m Calculator *APR = Annual Percentage Rate.  Actual loan rate is dependent on credit rating. Loans are subject to credit approval. Term may vary depending on model year of colleteral. Rates quoted are subject to change without notice.   Mortgage loans, VISA credit cards and share secured loans are not eligible for Member Reward$ discounts. Certain restrictions apply. Call the credit union for more information. (706) 855-2224 Go To Loan Application | Go to Calculators | Back to Top

MORTGAGE RATES: Effective: November 22, 2011

 7-Year First Mortgage (1.00% Origination Fee)

15-Year First Mortgage (1.00% Origination Fee)

Home Equity Lines of Credit (Call for current rate) Credit Union pays closing costs on most HELOC's

 Acreage (1.00% Origination Fee)

Rate	Points	APR*
9.25%	None	9.25%

*APR = Annual Percentage Rate Example of a 15-year mortgage: 180 monthly payments of $435.84 for each $50,000.00 borrowed. Loans are subject to credit approval. Rates quoted are subject to change without notice. Call the credit union for more information regarding Real Estate Loans. (706) 855-2224 Go To Loan Application | Go To Calculators | Back to Top

  

SAVINGS RATES: Effective: November 22, 2011

 

Savings	Minimum Balance	Dividend Rate	APY*	Term
Share Account	> 500.00	0.15	0.15	n/a
Christmas Club	5.00	0.10	0.10	n/a
IRA Share Account	25.00	1.00	1.00	n/a
Share Draft Checking1                                             (Effective 7/2011: Monthly Service Fee: $1.95/member)	None	0.10	0.10	n/a

            

1Share Draft Checking Account Holders have Free Identity Theft Recovery Service Benefit added to their AVAHFCU Share Draft Checking Accounts.  Click here for details. *APY = Annual Percentage Yield Rates quoted are subject to change without notice. Dividends are paid quarterly and are based on average daily balances. A Regular Share balance of $5.00 is required to maintain membership in the Credit Union. Back to Top

SHARE CERTIFICATES OF DEPOSIT Effective: April 26, 2011

 

Certificates	Minimum Deposit	Dividend Rate	APY*	Term
6 Months	500.00	.75	.75	6 m
12 Months	500.00	1.00	1.00	12 m
24 Months	500.00	1.50	1.51	24 m
IRA Certificate (1 Year)	500.00	1.25	1.26	12 m
IRA Certificate (2 Year)	500.00	1.75	1.76	24 m

 

*APY = Annual Percentage Yield Dividends are credited and compounded quarterly. Rates quoted are subject to change without notice. An early withdrawal penalty applies to Share Certificates of Deposit. Back to Top