Aurora Federal Credit Union


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Savings, Certificates and Money Markets

Rates last updated April 12, 2017 _______________________________Printer Friendly

Savings Account Dividend Rate
APY
Regular Savings
0.10%
0.10%
Other Savings
0.04%
0.04%
Health Savings Account
0.20%
0.20%
Money Market Accounts
$2,000-$9,999
0.30%
0.30%
$10,000-$24,999
0.35%
0.35%
$25,000 - $49,999
0.40%
0.40%
$50,000 - $74,999
0.45%
0.45%
$75,000 and above
0.50%
0.50%
Term Certificates- $500 Minimum
6 Month
0.20%
0.20%
12 Month
0.38%
0.38%
18 Month
0.48%
0.48%
24 Month
0.63%
0.63%
36 Month
0.83%
0.83%
48 Month
0.93%
0.93%
60 Month
1.22%
1.23%
Jumbo Certificates- $10,000
6 Month
0.30%
0.30%
12 Month
0.55%
0.55%
18 Month
0.65%
0.65%
24 Month
1.00%
1.00%
36 Month
1.24%
1.25%
48 Month
1.39%
1.40%
60 Month
1.83%
1.85%
Super Jumbo Certificates- $50,000
6 Month
0.35%
0.35%
12 Month
0.70%
0.70%
18 Month
0.80%
0.80%
24 Month
1.19%
1.20%
36 Month
1.39%
1.40%
48 Month
1.54%
1.55%
60 Month
1.98%
2.00%
Individual Retirement Accounts
IRA Shares
0.40%
0.40%
IRA 12 Month CD
0.80%
0.80%
IRA 24 Month CD
1.29%
1.30%
IRA 36 Month CD
1.49%
1.50%
IRA 48 Month CD
1.64%
1.65%
IRA 60 Month CD
2.08%
2.10%
Club Accounts
Christmas
0.15%
0.15%
Vacation
0.15%
0.15%
Education
0.15%
0.15%

Loans

Rates Current As Of __________________________________________________________________Printer Friendly

New & Used Auto
24 Month Term*
80%
90%
100%
  36 Month Term*
80%
90%
100%
740 +
1.70
2.20
2.45
740 +
1.70
2.25
2.55
739-720
1.95
2.45
2.70
739-720
1.95
2.50
2.80
719-670
2.50
3.00
3.25
719-670
2.50
3.05
3.35
669-620
6.05
6.55
6.80
669-620
6.05
6.60
6.90
Below 619
11.80
12.30
12.55
Below 619
11.80
12.35
12.65
48 Month Term*
80%
90%
100%
60 Month Term*
80%
90%
100%
740 +
1.70
2.30
2.60
740 +
1.80
2.35
2.70
739-720
1.95
2.55
2.85
739-720
2.05
2.60
2.95
719-670
2.50
3.10
3.40
719-670
2.60
3.15
3.50
669-620
6.05
6.65
6.95
669-620
6.15
6.70
7.05
Below 619
11.80
12.40
12.70
Below 619
11.90
12.35
12.80
72 Month Term*
80%
90%
100%
84 Month Term*
80%
90%
100%
740 +
1.99
2.39
2.94
740 +
4.19
4.69
5.19
739-720
2.24
2.64
3.19
739-720
4.44
4.94
5.44
719-670
2.79
3.19
3.74
719-670
4.99
5.49
5.99
669-620
6.34
6.74
7.29
669-620
8.54
9.04
9.54
Below 619
12.09
12.49
13.04
Below 619
14.29
14.79
15.29

*All rates shown are Annual Percentage Rate (APR). Rate shown is lowest available. Rates are subject to change without notice.
Deduct .10% with a Tax Saver Loan. Must be a homeowner to qualify. Consult with your tax advisor for tax deductibility.
72 and 84 month terms are available only for loan amounts over $20,000.

Motorcycle & RV
24 Month Term*
Motorcycle
Group A
Group B
  36 Month Term*
Motorcycle
Group A
Group B
740 +
5.60
6.60
7.60
740 +
5.70
6.70
7.70
739-720
5.85
6.85
7.85
739-720
5.95
6.95
7.95
719-670
6.35
7.35
8.35
719-670
6.45
7.45
8.45
669-620
9.85
10.85
11.85
669-620
9.95
10.95
11.95
Below 619
15.35
16.35
17.35
Below 619
15.45
16.45
17.45
48 Month Term*
Motorcycle
Group A
Group B
60 Month Term*
Motorcycle
Group A
Group B
740 +
5.90
6.90
7.90
740 +
6.00
7.00
8.00
739-720
6.15
7.15
8.15
739-720
6.25
7.25
8.25
719-670
6.65
7.65
8.65
719-670
6.75
7.75
8.75
669-620
10.15
11.15
12.15
669-620
10.25
11.25
12.25
Below 619
15.65
16.65
18.00
Below 619
15.75
16.75
18.00
72 Month Term*
Motorcycle
Group A
Group B
84 Month Term*
Motorcycle
Group A
Group B
740 +
6.59
7.59
8.59
740 +
7.59
8.59
9.59
739-720
6.84
7.84
8.84
739-720
7.84
8.84
9.84
719-670
7.34
8.34
9.34
719-670
8.34
9.34
10.34
669-620
10.84
11.84
12.84
669-620
11.84
12.84
13.84
Below 619
16.34
17.34
18.00
Below 619
17.34
18.00
18.00

*All rates shown are Annual Percentage Rate (APR). Rate shown is lowest available. Rates are subject to change without notice.
Deduct .10% with a Tax Saver Loan. Must be a homeowner to qualify. Consult with your tax advisor for tax deductibility.
72 and 84 month terms are available only for loan amounts over $20,000.
Group A = Street Legal and Group B = Not Street Legal.

Home Loans
Fixed Rate Home Equity Loans
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)
5 Year*
10 Year*
15 Year*
740 +
3.75%
4.50%
5.50%
739-720
4.25%
5.00%
6.00%
719-670
4.75%
5.50%
6.50%
669-620
8.75%
9.50%
10.50%
Below 619
12.75%
13.50%
14.50%
Home Equity Variable Line of Credit
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)
Rate*
740 +
3.50%
739-720
4.00%
719-670
4.50%
669-620
8.00%
Below 619
12.50%

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

Mini-Mortgage
1st Mortgage less than 150K and LTV 50% or less.
5 Year*
7 Year*
10 Year*
740 +
2.70%
3.20%
3.70%
739-720
2.95%
3.45%
3.95%
719-670
3.45%
3.95%
4.20%
669-620
6.95%
7.20%
7.70%
Below 619
11.45%
12.20%
12.70%
Home Improvement Loan
Up to 15 Years
Rate*
740+
9.00%
739-720
10.00%
719-670
11.00%
669-620
12.00%
Below 619
13.00%

-Maximum loan $17,500
Equity is NOT required
See loan Officer for details

Unsecured & Secured Loan & Overdraft
Unsecured Loan
 
12 month*
24 month*
36 month*
740 +
12.75%
13.75%
14.75%
739-720
13.00%
14.00%
15.00%
719-670
13.50%
14.50%
15.50%
669-620
15.00%
16.00%
17.00%
Below 619
18.00%
18.00%
18.00%
Secured Loan
Type
Rate
Term
Savings Secured
Rate is 3% over shares
Limit of a 5-year term
Certificate Secured
Rate is 2% over certificate rate
Loan term is equal to certificate maturity
Overdraft Protection

18.00%*

Qwik Loan
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). Rate shown is lowest available. Rates are subject to change without notice.

Credit Cards

Rates last updated April 12, 2017 _______________________________________Printer Friendly

Visa Platinum Credit Card- Fixed Rate
17.9%*

Below 619

15.9%*
669-620
12.9%*
719-670
10.9%*
739-720
9.9%*
740+
*All rates displayed are Annual Percent 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 Members Federal Credit Union upon approval of a completed loan application. Rates are subject to change without notice.

Fee Schedule

Fees last updated August 1st, 2014

Membership
Membership Fee
$5.00
Youth Account (Superheroes Savings Club)
FREE
Checking
Advantage Checking Accounts
FREE
2nd Chance Checking (Monthly)
$9.00
Overdraft Courtesy Transfer
FREE
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 Orders
Varies
Self to Self RDI
$35.00
Temporary Checks (first 10 free w/order)
$.50 each
Account Reconciliation/Balancing
$25.00/hr
Auto/RV Loans
Refinance
Higher of 1% or $200.00
Colorado Auto Title and Filing
$25.00
GAP Insurance (Auto/Motorcycle)

$325.00/$350.00

Mechanical Breakdown Protection
Varies
Tax Saver Loan Filing
$103.00
Uniform Commercial Code Filing
$28.80
Coupon Book
$10.00
Subsequent Action (one per loan/addtl)
FREE/$25.00
Late Fee (Over 10 days past due)
$25.00
Life, Disability and Unemployment Debt Protection
Varies
Duplicate Titles
$10.00
Mortgage and Equity Loans
Refinance
Higher of 1% or $200.00
Title Insurance
Determined by Issuer
Verification of Deposit
FREE
Appraisal (if required)
Cost
Home Equity Fixed Filing
Varies
Home Equity Variable Filing
Varies
Late Fee
$25.00
Subordination Fee
$150.00
Life, Disability and Unemployment Debt Protection
Varies
Land Title O&E Report
$5.00
VISA Credit Card / VISA Debit Card
VISA Credit Card
FREE
VISA Debit Card
FREE
VISA Credit Card Fraud Alert
FREE
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 Card
Cost
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 Protection
Varies
Safe Deposit Box
Annual Rent for Various Sizes
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 Fees
Virtual Branch Account to Account
FREE
Popmoney (1st 10/mth with Checking & DD/All others)
FREE/$0.50
Popmoney Instant
$3.00
Fast Cash
$10.00
Western Union
$25.00
Bank Wire (outgoing)
$20.00
Bank Wire (incoming)
$7.00
Bank Wire (international)
$40.00
Additional Services
Virtual Branch Online Banking
FREE
Online Bill Pay
FREE
Telephone Teller (automated transaction information)
FREE
Money Orders ($1,000 maximum)
$2.00
CU Draft (first two a month/thereafter)
FREE/$5.00
VISA Gift Card
$2.50
Coin Counting—Non-business account with Direct Deposit
FREE
Coin Counting up to $200
FREE
Coin Counting ($200 to $299)
$5.00
Coin Counting (per $100 over $299)
$1.00
Cash Advance (Non-AFCU card)
$35.00
Notary Service (Member only)
FREE
Signature Guarantee (member only)
FREE
Overnight Document
Higher of $20 or cost
Foreign Item Collection
Cost
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 Maintenance
Early Christmas Club Withdrawal (greater)
Dividends/$25.00
Early Certificate Withdrawal
Varies 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