Rates & Fees

Rates last updated October 1, 2024

Savings Account*Dividend RateAPY
Regular Savings0.10%0.10%
Other Savings0.10%0.10%
Health Savings Account0.60%0.60%

Money Market Accounts*Dividend RateAPY
$2,000-$9,9991.73%1.75%
$10,000-$24,9991.83%1.85%
$25,000 - $49,9991.88%1.90%
$50,000 - $74,9991.93%1.95%
$75,000 and above2.03%2.05%

Term Certificates – $500 Minimum**Dividend RateAPY
6 Month4.12%4.20%
12 Month4.36%4.45%
18 Month3.88%3.95%
24 Month3.64%3.70%
36 Month3.40%3.45%
48 Month3.40%3.45%
60 Month3.40%3.45%

Jumbo Certificates – $10,000**Dividend RateAPY
6 Month4.17%4.25%
12 Month4.41%4.50%
18 Month3.93%4.00%
24 Month3.69%3.75%
36 Month3.45%3.50%
48 Month3.45%3.50%
60 Month3.45%3.50%

Super Jumbo Certificates – $50,000**Dividend RateAPY
6 Month4.22%4.30%
12 Month4.46%4.55%
18 Month3.98%4.05%
24 Month3.74%3.80%
36 Month3.49%3.55%
48 Month3.49%3.55%
60 Month3.49%3.55%

Individual Retirement AccountsDividend RateAPY
IRA Shares*0.60%0.60%
IRA 12 Month CD**4.46%4.55%
IRA 24 Month CD**3.74%3.80%
IRA 36 Month CD**3.49%3.55%
IRA 48 Month CD**3.49%3.55%
IRA 60 Month CD**3.49%3.55%

Club Accounts*Dividend RateAPY
Christmas0.30%0.30%
Vacation0.30%0.30%
Education0.30%0.30%

APY equals Annual Percentage Yield

* Rate may change after account is opened and subject to change without notice.
** Penalty may be imposed for early withdrawal, which could reduce earnings on the account.
See “Fee Schedule” tab for associated account fees. Fees could reduce earnings. Ask for details and restrictions.

Rates Current As Of August 29, 2023

New & Used Auto Loans

24 Month Term*80%90%100%
750+6.24%6.74%6.84%
749-7206.49%6.99%7.09%
719-6706.99%7.49%7.59%
669-6308.74%9.24%9.34%
629-60011.24%11.74%11.84%
Below 60015.24%15.74%15.84%

36 Month Term*80%90%100%
750+6.24%6.74%6.84%
749-7206.49%6.99%7.09%
719-6706.99%7.49%7.59%
669-6308.74%9.24%9.34%
629-60011.24%11.74%11.84%
Below 60015.24%15.74%15.84%

48 Month Term*80%90%100%
750+6.49%6.94%7.04%
749-7206.74%7.19%7.29%
719-6707.24%7.69%7.79%
669-6308.99%9.44%9.54%
629-60011.49%11.94%12.04%
Below 60015.49%15.94%16.04%

60 Month Term*80%90%100%
750+6.49%6.94%7.04%
749-7206.74%7.19%7.29%
719-6707.24%7.69%7.79%
669-6308.99%9.44%9.54%
629-60011.49%11.94%12.04%
Below 60015.49%15.94%16.04%

72 Month Term*80%90%100%
750+6.74%7.19%7.29%
749-7206.99%7.44%7.54%
719-6707.49%7.94%8.04%
669-6309.24%9.69%9.79%
629-60011.74%12.19%12.29%
Below 60015.74%16.19%16.29%

84 Month Term*80%90%100%
750+8.34%8.84%9.34%
749-7208.59%9.09%9.59%
719-6709.09%9.59%10.09%
669-63010.84%11.34%11.84%
629-60013.34%13.84%14.34%
Below 60017.34%17.84%18.00%

*All rates shown are Annual Percentage Rate (APR). The rate shown is the lowest available. Rates are subject to change without notice.
72 and 84-month terms are available only for loan amounts over $20,000. Vehicles with mileage over 100,000 are subject to rate increases.

Motorcycle & RV Loans

24 Month Term*MotorcycleGroup AGroup B
750+8.29%7.29%8.79%
749-7208.54%7.54%9.04%
719-6709.04%8.04%9.54%
669-63011.04%10.04%11.54%
629-60014.54%13.54%15.04%
Below 60018.00%17.04%18.00%

36 Month Term*MotorcycleGroup AGroup B
750+8.54%7.54%9.04%
749-7208.79%7.79%9.29%
719-6709.29%8.29%9.79%
669-63011.29%10.29%11.79%
629-60014.79%13.79%15.29%
Below 60018.00%17.29%18.00%

48 Month Term*MotorcycleGroup AGroup B
750+8.79%7.79%9.29%
749-7209.04%8.04%9.54%
719-6709.54%8.54%10.04%
669-63011.54%10.54%12.04%
629-60015.04%14.04%15.54%
Below 60018.00%17.54%18.00%

60 Month Term*MotorcycleGroup AGroup B
750+9.04%8.04%9.54%
749-7209.29%8.29%9.79%
719-6709.79%8.79%10.29%
669-63011.79%10.79%12.29%
629-60015.29%14.29%15.79%
Below 60018.00%17.79%18.00%

72 Month Term*MotorcycleGroup AGroup B
750+9.29%8.29%9.79%
749-7209.54%8.54%10.04%
719-67010.04%9.04%10.54%
669-63012.04%11.04%12.54%
629-60015.54%14.54%16.04%
Below 60018.00%18.00%18.00%

80 Month Term*MotorcycleGroup AGroup B
750+9.79%8.79%10.29%
749-72010.04%9.04%10.54%
719-67010.54%9.54%11.04%
669-63012.54%11.54%13.04%
629-60016.04%15.04%16.54%
Below 60018.00%18.00%18.00%

*All rates shown are Annual Percentage Rate (APR). The rate shown is the lowest available. Rates are subject to change without notice.
72 and 84-month terms are available only for loan amounts over $20,000.
Group A = Street Legal and Group B = Not Street Legal.

Fixed-Rate Home Equity Loans

Credit Rating5 Year*10 Year*15 Year*
750+8.00%8.25%8.50%
749-7208.50%8.75%9.00%
719-6709.00%9.25%9.50%
669-63010.50%10.75%11.00%
629-60013.00%13.25%13.50%
Below 60017.00%17.25%17.50%

Home Equity Variable Line of Credit

Credit RatingRate*
750+8.00%
749-7208.50%
719-6709.00%
669-63010.50%
629-60013.00%
Below 60017.00%

Add 1% to listed rate for 81-90% LTV
Add 2% for 91-95%
Add 3% for 95-100% (Loan Under $20k or Less Than 5yrs Only)

Variable rate may be adjusted once per quarter.
Maximum increase/decrease per quarter is 0.5%, per year is 2%.
8-year draw period with a 10-year payback.
Important Terms of our Home Equity Line of Credit Plan

Mini-Mortgage

Credit Rating5 Year*7 Year*10 Year*
750+7.50%7.75%8.00%
749-7208.00%8.25%8.50%
719-6708.50%8.75%9.00%
669-63010.00%10.25%10.50%
629-60012.50%12.75%13.00%
Below 60016.50%16.75%17.00%

Unsecured Loan

Credit Rating12 Month*24 Month*36 Month*
750+12.75%13.75%14.75%
749-72013.00%14.00%15.00%
719-67013.50%14.50%15.50%
669-63014.50%15.50%16.50%
629-60016.00%17.00%18.00%
Below 60018.00%18.00%18.00%

Secured Loan

RateTerm
Savings SecuredRate is 3% over sharesLimit of a 5-year term
Certificate SecuredRate is 2% over certificate rateLoan term is equal to certificate maturity

Overdraft Protection

Rate
18.00%

First Responder Loan

Credit RatingRate*
750+5.00%
749-7205.25%
719-6705.75%
669-6306.75%
629-6008.25%
Below 60010.25%

Maximum loan amount is $15,000.
See loan Officer for details.

Qwik Loan

Rate
28.00%

$20.00 Application Fee for all applicants.
1-6 month term
Max Loan Amount of $1000.00

*All rates shown are Annual Percentage Rate (APR). The rate shown is the lowest available. Rates are subject to change without notice.

Rates last updated June 15, 2022

Visa Platinum Credit Card – Fixed Rate

 

Credit RatingRate*
750+9.9%
749-72010.9%
719-67012.9%
669-63013.9%
629-60015.9%
Below 60017.9%

*All rates displayed are Annual Percentage Rate (APR). Interest rates and terms provided above are only estimates. Best Rate may vary based on personal credit history and will be provided by Aurora Federal Credit Union upon approval of a completed loan application. Rates are subject to change without notice.

View our Credit Card Disclosure

Rates Current As Of June 15, 2022.

Fee Schedule

MembershipFee
Membership FeeFREE
Youth Savings Account FREE

CheckingFee
Advantage Checking AccountsFREE
2nd Chance Checking (Monthly)$9.00
Overdraft Courtesy TransferFREE
Non-Sufficient Funds (personal acct)$30.00
Non-Sufficient Funds (business acct)$30.00
Return Deposited Item (personal)$30.00
Return Deposited Item (business)$30.00
Stop Payment$30.00
Check Copy (personal)$2.00
Check Copy (CU check)$5.00
Check OrdersVaries
Self to Self RDI$35.00
Temporary Checks (first 10 free w/order)$0.50 each
Account Reconciliation/Balancing$25.00/hour

Auto/RV LoansFee
RefinanceHigher of 1% or $200.00
Colorado Auto Title and Filing$25.00
GAP Insurance (Auto/Motorcycle)$370.00/$395.00
Mechanical Breakdown ProtectionVaries
Tax Saver Loan Filing$103.00
Uniform Commercial Code Filing$28.80
Coupon Book$10.00
Subsequent Action (one per loan/addl.)FREE/$25.00
Late Fee (Over 10 days past due) $25.00
Life, Disability and Unemployment Debt ProtectionVaries
Duplicate Titles$10.00

Mortgage and Equity LoansFee
RefinanceHigher of 1% or $200.00
Title InsuranceDetermined by Issuer
Verification of DepositFREE
Appraisal (if required)Cost
Home Equity Fixed FilingVaries
Home Equity Variable FilingVaries
Late Fee$25.00
Subordination Fee$150.00
Life, Disability and Unemployment Debt ProtectionVaries
Land Title O&E Report$5.00

Visa Credit Card / Visa Debit CardFee
Visa Credit CardFREE
Visa Debit CardFREE
Visa Credit Card Fraud AlertFREE
PIN Select (in person)FREE
Reissue PIN (mailer)$1.00
ATM Withdraw (first 10 a month/thereafter)FREE/$2.00
Card Replacement$12.00
Emergency CardCost
Visa International Processing Fee$3.00%
Photocopy of Sales Draft$5.00
Late Fee (Credit Card over 10 days past due)$25.00
Visa C.C. Life, Disability and Unemployment Debt ProtectionVaries

Safe Deposit Box
Annual Rent for Various Sizes
Fee
5" x 5"$40.00
3" x 10"$50.00
5" x 10"$60.00
3" x 5"$35.00
Late Payment (over 30 days)$5.00
Drilling (abandoned box, etc)Cost
Lost Key$35.00

Funds Transfer FeesFee
Online Banking Account to AccountFREE
Fast Cash$10.00
Western Union$25.00
Bank Wire (outgoing)$20.00
Bank Wire (incoming)$10.00
Bank Wire (international)$40.00

Additional ServicesFee
Online BankingFREE
Online Bill PayFREE
Telephone Teller (Automated transaction information)FREE
Money Orders ($1,000 maximum)$2.00
CU Draft (First two a month/thereafter/Shared Branching)FREE/$5.00/$10.00
Visa Gift Card$2.50
Coin Counting (Mbr up to $100/Mbr over $100/Non-Mbr)FREE/5%/10%
Cash Advance (Non-AFCU card)$35.00
Notary Service (Member only)FREE
Signature Guarantee (Member only)FREE with Checking & DD/$10.00
Overnight DocumentHigher of $20 or cost
Foreign Item CollectionCost
Check Exchange (Non-Member)$10.00
Member Check Cash - Balance <$100 & No Loans$10.00
Non-Member Check Cash (On Us Item)$10.00
Account Research (One-hour minimum)$25.00/hr
Fax/Photocopy Fee (Member only)$1.00 per page
Cash Advance Non-AFCU Card$25.00
Shared Branch Deposit (First six a month/thereafter)FREE/$2.00
Shared Branch Withdrawal (First six a month/thereafter)FREE/$2.00
Qwik Loan Application$20.00
Phone Transaction Fee (When self-service options not used)$2.00

Account MaintenanceFee
Early Christmas Club Withdrawal (Greater)Dividends/$25.00
Early Certificate WithdrawalVaries on Term
Account Closure (Within six months)$15.00
Bad Address/Postal Address Correction$5.00/mth
Statement Copies (Current qtr/prior qtr)$2.00/$10.00
Garnishment Service$50.00
Account Maintenance Fee (After one year)$5.00/mth
Reopen Savings Account$10.00
Money Market Withdrawal (Over three/mth)$27.00
ATM Deposit Correction / Empty Envelope$5.00
Reg D Violation$5.00
Daily Negative Balance Fee$1.00
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