Arbuckle Federal Credit Union

Rates

Phone: (580) 332-0181

Rates disclosed below are annual percentage rates (APR). Rates are subject to change without prior notice. Individual rates will vary depending upon credit and payment history as reported on your credit bureau, and depending on collateral. Member must be in good standing.

Loan Rates (Effective Date: May 9, 2017)


Sub-Account Description APR* Term
Autos/RV/Trailers/Tractors
(2016 - 2017)
100% of Retail Value
Terms Available Up to 84 Months
(RVs up to 120 months by approval)
2.99% 60 months
Autos/RV/Trailers/Tractors
(2013 - 2015)
100% of Retail Value
Terms Available Up to 72 Months
3.49% 48 months
Autos/RV/Trailers/Tractors
(2010 - 2012)
90% Retail Value
Terms Available Up to 60 Months
4.25% 36 months
Autos/RV/Trailers/Tractors
(2008 - 2009)
80% Retail Value
Terms Available Up to 48 Months
5.75% 24 months
Autos/RV/Trailers/Tractors By Approval
(2001 - 2007)
80% Retail Value
Terms Available Up to 48 Months
8.75% 24 months
Riding Mowers/ATVs/RTV
(2014 - 2017) (Other models by approval)
100% Retail Value
Terms Available Up to 48 Months
5.25% 24 months
Motorcycles
(2014 - 2017)
100% Retail Value
Terms Available Up to 72 Months
3.75% 48 months
Motorcycles
(2010 - 2013) (Older models by approval)
80% Retail Value
Terms Available Up to 60 Months
4.75% 36 months
Watercrafts
(2014 - 2017)
100% Retail Value
Terms Available Up to 72 Months
4.50% 48 months
Watercrafts
(2010 - 2013) (Older models by approval)
80% Retail Value
Terms Available Up to 60 Months
5.25% 36 months
Signature Loans By Approval Only
Terms Available Up to 48 Months
10.00% 48 months
Credit Building Loans
Terms Available Up to 24 Months
3.00% 24 months
Share Secured 3.00% above highest dividend received from AFCU with annual renewal

* As determined by member credit history.

Click here to download a loan application. You may fill it out on your computer or by hand, then deliver/mail it to us for processing.

Loans originated, refinanced, or advanced on or after 4/14/09 will be subject to a twenty dollar ($20) late fee if the loan becomes more than 15 days delinquent.

Term Share Certificate Dividend Rates (Effective Date: May 9, 2017)


  3 Mo. 6 Mo. 12 Mo. 24 Mo. 36 Mo. 48 Mo.
$1,000 Dividend Rate (APR) 0.20% 0.35% 0.60% 0.95% 1.25% 1.35%
APY 0.20% 0.35% 0.60% 0.95% 1.26% 1.36%
$10,000 Dividend Rate (APR) 0.35% 0.50% 0.75% 1.00% 1.25% 1.45%
APY 0.35% 0.50% 0.75% 1.01% 1.26% 1.46%
$25,000 Dividend Rate (APR) 0.40% 0.55% 0.75% 1.00% 1.25% 1.45%
APY 0.40% 0.55% 0.75% 1.01% 1.26% 1.46%
$50,000 Dividend Rate (APR) 0.45% 0.60% 0.75% 1.00% 1.25% 1.45%
APY 0.40% 0.60% 0.75% 1.01% 1.26% 1.46%
$99,000 Dividend Rate (APR) 0.50% 0.60% 0.75% 1.00% 1.25% 1.45%
APY 0.50% 0.60% 0.75% 1.01% 1.26% 1.46%

Share Savings Dividend Rates (Effective Date: May 9, 2017)


Account Balance Dividend Rate APY
Regular Share Dividend Rates
$25.00 AND UP 0.15% 0.15%
Children's Share Dividend Rates
$25.00 - $999.99 4.50% 4.59%
$1,000.00 - $2499.99 1.60% 1.61%
$2,500.00 - $9,999.99 1.10% 1.11%
$10,000.00 AND UP 0.60% 0.60%

Superior Savings Dividend Rates (Effective Date: May 9, 2017)


Average Balance Dividend Rate APY
Up to $9,999.99 0.20% 0.20%
$10,000.00 to $24,999.99 0.30% 0.30%
$25,000.00 to $49,999.99 0.35% 0.35%
$50,000.00 to $74,999.99 0.40% 0.40%
$75,000.00 to $99,999.99 0.45% 0.45%
$100,000.00 to $149,999.99 0.50% 0.50%
$150,000.00 to $199,999.99 0.50% 0.50%
$200,000.00 to $249,999.99 0.50% 0.50%
$250,000.00 and Over 0.50% 0.50%

Fee Schedule (Effective Date: May 9, 2017)


Fee Amount
Loan Origination Fee $50.00
Late Fee $25.00
Returned Check $25.00
Loan $500 or Less $5.00
Advance Due Date $25.00
Excessive Withdrawals $2.00/withdrawal
Stop Payment $25.00
Wire Transfer $25.00
Lien Fee $10.00 - $21.00
Debit Card Replacement $5.00
5+ Days Negative Balance $3.00/day
Returned Mail Fee $3.00/item