ANECA Federal Credit Union

Loan Rates
Savings Rates

Vehicle Rates
Loan Type	Rates as low as	Terms/Information
New Auto Loans	5.74% APR*	Current or prior year model with less than 10,000 miles.
Used Auto Loans	5.74% 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

^{*Limited-time offer. 60 month term. Rate includes Auto Pay, GAP, and Warranty discounts. Membership and credit approval required. Not all applicants qualify.}

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	11.99% APR	Same rate for purchase & balance transfers* with no fees
MasterCard Rewards Credit Card	14.99% 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)	6.75% 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.

Rates Effective December 11, 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
Non-Profit Savings	0.10% 3.30%	0.10% 3.25%	$1.00 - $999.99 $1,000+

Money Market
APY	DIV. RATE	Tier
0.10%	0.10%	$2,500 - $10,000
1.26%	1.25%	$10,000.01 - $99,999.99
1.76%	1.75%	$100,000 - $499,999.99
2.02%	2.00%	$500,000 +

Effective March 2, 2026.

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Share & IRA Certificate Rates
Certificate Term	APY	DIV. RATE
6-Month Certificate	3.75%	3.69%
10-Month Certificate Special*	4.00%*	3.93%*
12-Month Certificate	3.75%	3.69%
18-Month Certificate	3.50%	3.45%
24-Month Certificate	3.50%	3.45%
30-Month Certificate	3.50%	3.45%
36-Month Certificate	3.50%	3.45%
48-Month Certificate	3.50%	3.45%
60-Month Certificate	3.50%	3.45%

^{*APY = Annual Percentage Yield. APYs effective as of May 12, 2026. Certificate rates are fixed upon opening the account. Minimum deposit $1,000. Early withdrawal penalties apply. All rates are subject to change at the descretion of the Credit Union including the 10-Month Certificate Special. Early withdrawl penalties apply. Please contact ANECA for verification of current rates.}

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