Current Product Rates
At AmeriChoice, our first concern is our members. Satisfying our members’ financial
needs is what AmeriChoice is about. As a not-for-profit financial institution, AmeriChoice
offers competitive rates that allow our members to maximize their savings. Below,
you will find the most recent AmeriChoice rates.
Effective
July 30, 2010
Checking
More InfoDividend Draft Plus Account
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$0 - $2,499
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0.00% APY
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$2,500 and up
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0.10% APY
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More InfoPremier Checking Account
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$0 - $24,999
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0.00% APY
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$25,000 and up
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0.35% APY
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More InfoBusiness Dividend Draft
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Business Dividend Draft
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0.10% APY
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Dividends paid monthly
More InfoHealth Savings Account
Savings
More InfoShare Savings Account
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$0 - $4.99
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0.00% APY
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$5.00 and up
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0.35% APY
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More InfoSub Share Savings Account
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Sub Share Savings Account
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0.35% APY
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More InfoShare Savings Account
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Business Share Account
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0.35%
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More InfoSub Share Savings
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Business Sub Share Account
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0.35%
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More InfoChristmas Club Account
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Christmas Club Account
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0.50% APY
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More InfoVacation Club Account
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Vacation Club Account
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0.50% APY
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More InfoPremier Money Market Account
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Under $50,000
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0.00% APY
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$50,000 and above
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1.00% APY
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More InfoTiered Money Market Account
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$0 - $2,499.99
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0.00% APY
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$2,500 - $9,999.99
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0.40% APY
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$10,000 - $24,999.99
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0.50% APY
|
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$25,000 - $74,999.99
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0.70% APY
|
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$75,000 - $149,999.99
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0.90% APY
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$150,000 and above
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1.00% APY
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More InfoRoth IRA
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Share IRA
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1.00% APY
|
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IRA Certificate - 3 months
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.65% APY
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IRA Certificate - 6 months
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.90% APY
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IRA Certificate - 12 months
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1.00% APY
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IRA Certificate - 24 months
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1.30% APY
|
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IRA Certificate - 36 months
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1.75% APY
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IRA Certificate - 48 months
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2.10% APY
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IRA Certificate - 60 months+
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2.35% APY
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More InfoTraditional IRA
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Share IRA
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1.00% APY
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IRA Certificate - 3 months
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0.65% APY
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IRA Certificate - 6 months
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0.90% APY
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IRA Certificate - 12 months
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1.00% APY
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IRA Certificate - 24 months
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1.30% APY
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IRA Certificate - 36 months
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1.75% APY
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IRA Certificate - 48 months
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2.10% APY
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IRA Certificate - 60 months+
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2.35% APY
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More InfoCoverdell Education Savings Account
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Share IRA
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1.00% APY
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IRA Certificate - 3 months
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0.65% APY
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IRA Certificate - 6 months
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0.90% APY
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IRA Certificate - 12 months
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1.00% APY
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IRA Certificate - 24 months
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1.30% APY
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IRA Certificate - 36 months
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1.75% APY
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IRA Certificate - 48 months
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2.10% APY
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IRA Certificate - 60 months+
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2.35% APY
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More InfoShare Certificates
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3 Months
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0.65% APY
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6 Months
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0.90% APY
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12 Months
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1.00% APY
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24 Months
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1.30% APY
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36 Months
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1.75% APY
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48 Months
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2.10% APY
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60+ Months
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2.35% APY
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13 Months
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1.40% APY
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Loans
More InfoNew Auto Loans
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Up to 36 months
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3.99% APR
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Up to 60 months
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3.99% APR
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Up to 72 months*
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5.99% APR
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Up to 84 months*/**
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6.99% APR
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New Vehicle financing up to 100% of the actual selling price.
*Minimum amount financed of $20,000.
**61+ month financing available on A/B credit scores only
More InfoUsed Auto Loans
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2008 and Newer - Up to 36 Months
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4.99% APR
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2008 and Newer - Up to 48 Months
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4.99% APR
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2008 and Newer - Up to 60 Months
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4.99% APR
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2005-2007 - Up to 48 Months*
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4.99% APR
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2003-2004 Models - Up to 36 Months*
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4.99% APR
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2003-2004 Models - Up to 48 Months*
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4.99% APR
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2001-2002 Models - Up to 24 Months**
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4.99% APR
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*less than 70,000 miles
**Less than 80,000 miles
Used Auto Loan: 90% financing of the NADA (Blue Book) retail value or actual selling price, whichever is lower
More InfoSignature Loan
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Signature Loan - up to 24 months*
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9.99% APR
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Signature Loan - 25 to 60 months*
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10.99% APR
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*Borrow $500 to $25,000
More InfoStock Secured Loan
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Stock Secured Loan*
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5.99% APR
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*Special rate good through 6/30/10
Variable Rate Line of Credit
More InfoPersonal Service Loan
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Personal Service Loan*
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12.00% APR
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Personal Service Loan* = 1st Quarter rate
variable rate line of credit
Daily periodic rate (dpr) 0.0328767%
More InfoBoat Loan
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New - Up to 60 Months
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6.99% APR
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New - 61 to 120 Months
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8.99% APR
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Used - Up to 60 Months
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8.99% APR
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Used - 61 to 84 Months
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9.99% APR
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New Boat Loans: 100% financing of the actual selling price
Used Boat Loans: 90% financing of the NADA (Blue Book) retail value or actual selling price, whichever is lower.
Credit Cards
More InfoVISA Classic Credit Card
More InfoVISA Gold Credit Card
More InfoVISA Platinum Preferred Credit Card
Mortgages
More InfoHome Equity Loans
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Real Estate Secured* - up to 36 months
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4.99% APR
|
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Real Estate Secured* - 37 to 60 months
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4.99% APR
|
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Real Estate Secured* - 61 to 120 months
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4.99% APR
|
|
Real Estate Secured* - 121 to 180 months
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5.99% APR
|
|
Real Estate Secured** - up to 36 months
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6.49% APR
|
|
Real Estate Secured** - 37 to 60 months
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6.49% APR
|
|
Real Estate Secured** - 61 to 120 months
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6.49% APR
|
|
Real Estate Secured** - 121 to 180 months
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7.49% APR
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Terms up to 15 years
Minimum loan amount of $5,000.00
Real Estate Secured* = Closed end loan up to 85% market value financing.
Real Estate Secured** = Closed end loan up to 100% market value financing. $5000 or more in new money is required to refinance existing Equity Loans.
More InfoHome Equity Line of Credit
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Home Equity Line of Credit^
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4.00% APR
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Home Equity Line of Credit^ = February 1, 2010 rate
Prime Index 3.25%
4.00% Floor
Daily periodic rate (dpr) 0.0109589%
APY = Annual Percentage Yield.
APR = Annual Percentage Rate.
Loan rates are based on the credit worthiness of applicants and may vary from those listed above.
Rates are subject to change without notice.
View our disclosures for more information.