Tuesday November 21, 2017


Products & Services


SAVINGS AND CHECKING

SHARE SAVINGS

  • All shares are federally insured to $250,000 by the National Credit Union Administration (NCUA).
  • Excess share insurance coverage to at least $500,000 through the Mass Share Insurance Corp (MSIC).
  • All members must maintain $25.00 in their primary share account.
  • Other share savings accounts such as Vacation and Holiday require no minimum balance.
  • Statements documenting account activity are issued quarterly.
  • Dividends are paid to share accounts monthly. Please refer to the Truth-In-Savings disclosure statement for additional information.

SHARE DRAFT CHECKING

  • NO MINIMUM BALANCE CHECKING!!!
  • NO MONTHLY FEES!!!
  • Statements documenting account activity are issued monthly.

CHRISTMAS CLUB ACCOUNTS

  • A great way to save for the holiday season.
  • Club account may be set up through Direct Deposit or Payroll Deduction.
  • Checks are issues the first week of October.

LOANS

There are plenty of good reasons to get a loan at 600AFCU.

  • You will find our loan rates among the lowest in the area.
  • For your convenience, repayment may be set up through payroll deduction or direct deposit.
  • Loans with these repayment options receive a discounted rate.

HOME EQUITY LOANS

– Home Equity Lines of Credit are available up to $100,000 with a repayment period up to 15 years. The rate is equal to the Prime Rate.  We lend up to 80% loan to value.

ADJUSTABLE RATE REAL ESTATE LOANS – Maximum amount is $300,000 with 3 year adjustable rate with 2 and 6 caps.  Term traditionally 15 years. We Lend up to 80% loan to value.

FIXED RATE MORTGAGES – Typically 15-20 year terms with maximum amount of $275,000. We lend up to 80% loan to value.

NEW AUTO LOANS – 100% financing is available for terms up to 72 months.

USED AUTO LOANS – A variety of options are available, including 100% financing and terms up to 60 months.

MOTORCYCLE LOANS – Financing available for new or used motorcycles purchased from licensed dealers.

PERSONAL UNSECURED LOANS – Members are eligible for up to $12,000 for up to 60 months.

CREDIT CARDS – We offer VISA credit cards up to a maximum credit limit of $12,000.

SHARE SECURED LOANS – Borrow against your savings at our lowest rate available.

EDUCATION LOANS – Limited to $12,000 and offered as a revolving line of credit or closed end loan at low rates.  Also provides an opportunity to consolidate at low rates.

HOLIDAY LOANS – Loan specials offered each winter to help with your holiday shopping.

WINTER HEAT & INSURANCE LOANS – We’ll budget payments for your winter heating bills.

CONVENIENT SERVICES

ONLINE VIRTUAL BRANCH: Online Virtual Branch gives you access to your credit union accounts, Bill Pay, loan applications and credit union services.

ELECTRONIC BILL PAY: Manage and pay your bills online directly from your credit union account.

ATM / DEBIT VISA CARD: The credit union offers members account access through a combined ATM / Debit Visa Card with access to Surcharge Free networks of SUM & MoneyPass.

AMEX GIFT CHECKS: Safer than cash and easier than a check. Values are in dominations of $25, $50 and $100 only.

TRAVELERS CHECQUES: Safer than cash and convenient to travel with versus carry large amounts of cash.

TRAVELERS EXPRESS MONEY ORDERS: A convenient alternative to a check which can be used to pay bills or other financial obligations.

DIRECT DEPOSIT / PAYROLL DEDUCTION: Enjoy the convenience of having your pay automatically deposited into your accounts or ensure a positive credit history by having your loans paid electronically.

AUTO TELLER-24: Enjoy 24/7 touch-tone teller access at 1-866-949-4219.

MEMBER PAY CREDIT DISABILITY: A low cost policy which pays your loan payments if you become unable to work due to disability for at least 30 days.

NADA BLUE BOOK USED CAR VALUES: Learn the true value before you buy, sell or trade.

NOTARY PUBLIC SERVICE: Free service available to credit union members.

WIRE TRANSFER CAPABILITY: We offer both foreign and domestic wire transfers of funds.

 

 




Auto Rates
2015-2018 2.25% to 2.75%
2004-2014 2.99% to 4.50%

Mortgage Loans
Home Equity LOC 3.50%
Home MTG ADJ 3.25%
Fixed MTG (15YR) 4.50%

Share Rates
Regular Share .37%

CD Rates
3-Month CD   .70%
6-Month CD   .80%
1-Year   CD   1.20%
2-Year   CD 1.40%
3-Year   CD  1.60%
5-year   CD 2.10%

 

For additional rates click
RATES & FEES