Rates

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MORTGAGE RATES

Adventure Credit Union offers you many types of real estate loans including locally serviced mortgages for home purchases or refinancing, construction and vacant land loans.

Contact a Mortgage Specialist for current rates by emailing mtgspecialist@adventurecu.org or calling 616-825-HOME. 

Ask us about our upfront underwriting process which offers you quick approval and faster closing.

 

Home Equity Loans and HELOCs
Rates Effective: September 27, 2018
TitleTermFixedVariable
Home Equity Loan - Fixed (1st)up to 180 monthsFor rates please call us at 1-800-323-2129 Ext 2004n/a
Home Equity Loan - Fixed (2nd)up to 180 monthsas low as 5.75%n/a
Home Equity - Line of Creditn/an/aas low as 5.00%*
Home ReStyle Loan
Rates Effective: November 1, 2018
TitleTermFixedVariable
Home ReStyle Loanup to 60 months8.50%n/a

*Home Equity rates are based on the percentage of the equity you are borrowing. Lowest rate available on Home Equity Line of Credit is Prime minus 1/4% (4.00%) APR, currently offered on loans with 80% or less LTV. Current maximum rate on a Adventure Credit Union HELOC is 18.00% APR. Your rate will never be less than 4% or exceed 18%.

Auto Loan
Rates Effective: November 13, 2018
AutoTermFixed
2011 & Newer Vehiclesup to 36 monthsAs low as 3.49%
2011 & Newer Vehicles37-48 monthsAs low as 3.59%
2011 & Newer Vehicles49-66 monthsAs low as 3.69%
2011 & Newer Vehicles67-75 monthsAs low as 4.19%
2011 & Newer Vehicles76-84 monthsAs low as 4.59%

*For vehicles 2002 and older, contact us for rates.  Rates are expressed as an annual percentage rate and are subject to change.  All rates are based on credit score and posted rates represent highest tiers.  Other terms and rates available upon request.

Motorcycle Loan
Rates Effective: November 13, 2018
MotorcycleTermFixed
2011 & Newerup to 36 monthsAs low as 3.49%
2011 & Newer37-48 monthsAs low as 3.59%
2011 & Newer49-66 monthsAs low as 3.69%
2011 & Newer67-75 monthsAs low as 4.19%
2011 & Newer76-84 monthsAs low as 4.59%

*For vehicles 2002 and older, contact us for rates.  Rates are expressed as an annual percentage rate and are subject to change.  All rates are based on credit score and posted rates represent highest tiers.  Other terms and rates available upon request.

Secured Loans
Rates Effective: November 1, 2018
TitleRate
Share Secured Loan2.50%
Certificate Secured Loan2.50%
Other Loans
Rates Effective: November 1, 2018
TitleTermFixedVariable
Personal Line of Credit as low as 18.00%n/a
Single Payment Loan as low as 12.00%n/a
Signature Loanup to 60 monthsas low as 9.50%n/a
Adventure Vacation Loanup to 24 monthsas low as 6.00%n/a
Recreational Vehicles and Boats
Rates Effective: November 1, 2018
TitleRate
Recreational Vehicles and Boats4.99%
Credit Cards
Rates Effective: November 1, 2018
TitleFixedVariable
Visa Classic Platinum Card14.88%n/a
Visa Platinum Cardn/a9.25% (prime plus 4.00%)
Visa Platinum Plus Card10.99%n/a

All rates stated reflect the Annual Percentage Rate (APR). These are our lowest rates available, based on credit history. Your actual rate will reflect your individual circumstances and may be higher than listed. Rates are current as of the stated date and are subject to change.

Savings & Dividend Rates
Rates Effective: November 1, 2018
AccountMin. BalanceAPRAPY
Adventure Savings$5.000.20%0.20%
Craft Savings Accounts$0.000.20%0.20%
SPARE CHANGE Savings$0.00.50%.50%
Little Adventurers Club Savings$5.000.20%0.20%
Money Market Accounts**$5,000 - $24,999.990.25%0.25%
Money Market Accounts**$25,000 - $49,999.990.30%0.30%
Money Market Accounts**$50,000 - $99,999.990.35%0.35%
Money Market Accounts**$100,000 - $249,999.990.50%.50%
Money Market Accounts**$250,000 & over0.50%0.50%
IRA Daily Account*$0.000.35%0.35%
Edge Checking$0.004.00%4.00%
Health Savings Checking (HSA)$.00 - $1,999.990.15%0.15%
Health Savings Checking (HSA)$2,000 - $4,999.990.30%0.30%
Health Savings Checking (HSA)$5,000 - $14,999.990.50%0.50%
Health Savings Checking (HSA)$15,000 & over0.65%0.65%
Christmas ClubRate changes annually on Nov. 1stn/a.10%

*These are dividend earning accounts. Dividends are calculated using the Daily Interest Method on the full amount of principal in the account and are paid on calendar quarters. The Board of Directors declares the dividend rate to be paid each quarter based on the profits of the credit union. The rates may change quarterly. If these accounts are closed during the dividend period, the dividend will be forfeited. Fees, if applicable, may reduce the earnings on these accounts. The stated dividend rate on these accounts is for the quarterly period ending December 31, 2016.

**These are interest earning accounts. Interest is calculated using the Daily Interest Method on the full amount of principal in the account. The interest rate on these accounts is subject to change at any time at the discretion of management. Early withdrawals from the Christmas Club account will cause the account to be closed and the loss of all earned interest.

Certificates of Deposit
Rates Effective: September 24, 2018
TermMin. BalanceAPRAPY
6 month$500.30%.30%
12 month$500.40%.40%
18 month$500.50%.50%
24 month$500.800%.800%
30 month$500.850%.850%
36 month$5001.150%1.150%
48 month$5001.390%1.400%
60 month$5001.790%1.800%
Save UP CD 12 month$25.001.00%1.00%
7 Month CD Special$5001.982%2.00%

Certificate rates are subject to change. The Annual Percentage Yield (APY) shown above indicates what would be earned if the interest rate remained the same for a 12 month period on a 6 month certificate. Early withdrawal penalty on 6 month certificate - 90 days loss of interest. Early withdrawal penalty on 12, 18, 24, 30, 36, 48 & 60 month certificates - 180 days loss of interest. Save UP CD maximum monthly deposit is $300.

*CD Specials, APY =  Annual Percentage Yield. Promotional rate is accurate as of September 24, 2018.  Promotional Rate offer is for a limited time, subject to termination at any time without notice.  Minimum Balance of $500.00 required to open.  Interest paid and compounded on monthly basis only. Funds currently on deposit with Adventure Credit Union are not eligible for this promotional rate.  Limit of one (1) promotional account per household or business. Penalty of the equivalent of 6 months interest for early withdrawal from CDs and IRA CDs.  Maximum Deposit amount $1,000,000. Deposits with Adventure Credit Union are federally insured through NCUA, National Credit Union Administration.  7 month term. Not Available for institutional investors or brokers..