Home - ANECA Federal Credit Union

Rates

Apply Today

Vehicle Rates
Loan Type Rates as low as Terms/Information
New Auto Loans 6.49% APR Current or prior year model with less than 10,000 miles.
Used Auto Loans 6.49% APR Previous six years' models with less than 85k miles.
New/Used Recreational Vehicle 8.24% APR Boat, Travel Trailer, Motorcycle
ATVs and other toys 8.24% APR ATVs, Personal Watercraft, Side by Side, and Lawn Equipment
Personal Rates
Loan Type Rates as low as Terms/Information
Personal/Unsecured Loans 11.99% APR Up to 60 months financing
Credit Card Rates
Loan Type Rates as low as Terms/Information
MasterCard Platinum Credit Card 12.49% APR Same rate for purchase & balance transfers* with no fees
MasterCard Rewards Credit Card 15.49% APR Same rate for purchase & balance transfers* with no fees
Home Rates
Loan Type Rates as low as Terms/Information
Home Equity Line of Credit (HELOC) 7.25% APR Interest only for 10 years, no upfront closing costs, up to 100% loan to value
Home Improvement Loan 9.99% APR Unsecured loan with fast turnaround, great alternative to using your home’s equity.

Loan rate based on credit score, loan term and member relationship.
*Applies after 12-month introductory BT Rate of 0.00%. Credit card balance transfer fees will change to $50 or 5% of the amount of each balance transfer, whichever is greater.
Effective October 1, 2025.

Savings Rates
Account Type APY DIV. RATE Tier
Savings 0.10% 0.10% $5
Holiday Savers Club (Up to $5,000) 3.04% 3.00% $0 - $5,000
Holiday Savers Club ($5,000 +) 0.01% 0.01% $5,000.01 +
Platinum Business Checking 0.10% 0.10% $1,000
Youth Accounts 0.10% 0.10% N/A
Checking 0.10% 0.10% $0
IRA (Variable) 0.20% 0.20% N/A
Money Market
APY DIV. RATE Tier
0.10% 0.10% $2,500 - $10,000
2.02% 2.00% $10,000.01 - $99,999.99
2.02% 2.00% $100,000 - $499,999.99
2.02% 2.00% $500,000 +

Effective September 22, 2025.

Join Today

Share & IRA Certificate Rates
Certificate Term APY DIV. RATE
3-Month Certificate 3.95% 3.88%
6-Month Certificate 3.85% 3.78%
12-Month Certificate 3.75% 3.69%
18-Month Certificate 3.75% 3.69%
24-Month Certificate 3.75% 3.69%
30-Month Certificate 3.75% 3.69%
36-Month Certificate 3.50% 3.45%
48-Month Certificate 3.50% 3.45%
60-Month Certificate 3.50% 3.45%

Annual Percentage Yields (APY) effective as of September 22, 2025.
Certificate rates are fixed upon opening the account. Minimum deposit $1000. Early withdrawal penalties apply.

Join Today

find your next ride