Live Chat
close mobile menu
Online Banking Login Login
 

Savings Rates

Home > Learn > Rates > Savings Rates
- A A A +

Savings Rates

Deposit Rates

Savings Accounts
Effective Date: Tuesday, November 24th, 2020
NameAPYMinimum Opening Balance
Regular Share 0.03% $5.00
Holiday Club 0.03% $1.00
Back-2-School Club 0.03% $1.00
IRA Share 0.03% $50.00
Money Market Account
$0.00-$499.99 0.00% $5.00
$500.00-$1,999.99 0.03% $500.00
$2,000.00-$19,999.99 0.04% $2,000.00
$20,000.00-$74,999.99 0.05% $20,000.00
$75,000.00-$149,999.99 0.10% $75,000.00
$150,000.00 + 0.15% $150,000.00
*APY is Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings.

Checking Accounts
Effective Date: Tuesday, November 24th, 2020
Account TypeAPY*Minimum Opening BalanceMinimum Balance Requirement
Free Checking 0.00% $25.00 $0.00
Better Than Free Checking
$0 - $499.99 0.01% $25.00 $0.00
$500 - $4,999.99 0.02% $500.00 $0.00
$5,000 - $19,999.99 0.03% $5,000.00 $0.00
$20,000 + 0.04% $20,000.00 $0.00
Advantage Checking (No Longer Offered)
Advantage Plus Checking 0.03% $25.00 $0.00
*APY is Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings.

Share Certificates & IRA Rates
Effective Date: Tuesday, November 24th, 2020
Account TypeDividend RateAPY*Minimum Opening Balance
3 Month 0.05% 0.05% $500.00
6 Month 0.10% 0.10% $500.00
6 Month Payday Share Certificate 0.10% 0.10% $40.00
12 Month 0.21% 0.21% $500.00
12 Month Payday Share Certificate 0.21% 0.21% $20.00
18 Month 0.26% 0.26% $500.00
24 Month 0.31% 0.31% $500.00
30 Month Regular Share Certificate 0.31% 0.31% $500.00
36 Month 0.42% 0.42% $500.00
48 Month 0.50% 0.50% $500.00
60 Month 0.60% 0.60% $500.00
*APY is Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Home Equity
Effective Date: August 5, 2020
NameAPR
Line of Credit 1.99% fixed APR for 6 months, as low as 3.00% variable APR thereafter*
*1.99% introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOC) with an 80% loan-to-value (LTV) or less. The APR is based on the person's credit worthiness. Offer is available for new applications submitted and is for a limited time only. The introductory APR will remain fixed for the first 6 months and will begin on the date the HELOC is opened. After the introductory period, the APR becomes variable and adjusts based on the Prime Rate (the index) as published in the Wall Street Journal. As of March 16, 2020 the prime rate was 3.25%. Lifetime APR will not exceed 18% and will not go below 3%. Loans are subject to approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required.  Customer pays no closing costs or appraisal fee. Consult a tax advisor regarding the deductibility of interest.

Fee Schedule
Effective Date: Tuesday, November 24th, 2020
ServiceFee
Electronic Services
Online Banking FREE
Bill Pay FREE
Mobile Banking FREE
Touch Tone Teller FREE
Savings
Returned Item (per submission) $37.00
Account Early Closing (Closed within 90 days) $25.00
Excessive Withdrawals $3.00
Inactivity Fee (after 9 months for balances <$500) $5.00
Inactivity Minor Account Fee (after 15 months for balances <$500) $1.00
Checking
Courtesy Pay $37.00
Non-Sufficient Funds (per submission) $37.00
Inactivity Fee (after 9 months for balances <$500 (excludes minor accounts) $5.00
Bill Pay Non-Sufficient Funds (AFFCU/Vendor) $37.00/$37.00
Stop Payment $37.00
Returned Items (check or ACH) $37.00
Overdraft Transfer (limit 6 per month) $10.00
Draft Reconciliation (1 hour minimum) $25.00/hour
Check Copy $5.00
Check Orders Varies by Design
ATM/Debit
Member Foreign ATM $1.75
Alliance One/CO-OP ATMs - Advantage Plus Checking FREE
Alliance One/CO-OP ATMs - Free Checking $1.75 (only 1 fee)
Alliance One/CO-OP ATMs - Better Than Free Checking $1.75 (only 1 fee)
Courtesy Pay $37.00
Withdrawal Overdraft $37.00
Overdraft Transfer (limit 6 per month) $10.00
Card Replacement $15.00
IRA
Maintenance $15.00/year
External Transfer $35.00
Closing $35.00
Checks
Money Order $2.50
Official Checks $3.50
Stop Payment of Official Checks $37.00
Check Copy $5.00
Copy of Official Check $10.00
Wire Transfers
Incoming $15.00
Outgoing $30.00
Foreign $50.00
Safe Deposit Boxes
3 x 5 $25.00
5 x 5 $30.00
3 x 10 $35.00
5 x 10 $50.00
10 x 10 $75.00
Monthly Late Fee (after 10 days delinquent) $5.00/per month
Box Drilling $200.00
Key Replacement $40.00
Service Fees
Check Cashing (<$500 on deposit or <$2,500 in loan balances) $5.00
Excessive Share Withdrawal (4 free per month) $2.00
Credit Union Shared Branch Transactions  
Members living outside a 10-mile radius of AFFCU FREE
Members going out of town FREE
Members living within a 10-mile radius of AFFCU $3.00
Account Early Closing (closed within 90 days) $25.00
Holiday and Back-to-School Club Early Withdrawal $5.00
Duplicate Statement/Amortization Schedule (<12 months) $5.00
Duplicate Statement/Amortization Schedule (>12 months) $10.00
Fax $10.00
Photo Copy (per page) $0.25
Check by Phone $10.00
Notary $2.00
Account Verification (excluding financial aid) $10.00
Research (1 hour minimum) $30.00/hour
Re-Clear Check $10.00
Member ID Card Replacement $3.00
Coin Exchange 2.00% of amount
Invalid Address $5.00
Account Reinstatement $25.00
Inactive Account (after 9 months for balances <$500) $5.00
Inactive Minor Account (after 15 months for balances <$500) $1.00
Garnishment/Subpoena/Tax Levee Set Up $100.00
Subordination of Lien (subject to restrictions) $100.00
Authorization Letter to Remove Vehicle from Country $25.00
Loan
Loan Pay-Off Statement $10.00
Late Charges $30.00
Loan Coupon Replacement $5.00