Austin's Neighborhood Credit Union
Growing with you!


Click "Go" to login to
AFCU's NO-Line banking.

JOIN US
WEB BILL PAY
GOTOMYCARD
APPLY FOR LOAN
APPLY FOR MORTGAGE
     Home
     About Us
     Hours & Locations
     FAQs
     Courtesy Pay FAQs
     AFCU E-News
     Checking and Savings
     Loans
     Rates & Fees
     Member Benefits
     Helpful Links
     En Espaņol
     Contact Us

   Deposit Rates
   Loan Rates
   Account Fees

  Deposit Rates

All rates subject to change at any time without notice.

Rates are accurate as of 10/1/2013

Savings Rates*

Type of Account

Minimum Deposit to Open

Minimum Balance to Earn APY

Dividend Rate (APR)

Annual Percentage Yield (APY)

Savings

$ 5

$100

0.05%

0.05%

Christmas club

None

$100

0.05%

0.05%

IRA savings

$100

$100

0.20%

0.20%

* Fees or other conditions could reduce earnings on the account. These rates are dependent upon the earnings of the credit union and cannot be guaranteed. APY is Annual Percentage Yield, APR is Annual Percentage Rate. Savings Rates are variable and subject to change at any time.


Money Market Accounts*

Minimum to open $2,500

Minimum Balance to Earn APY

Dividend Rate (APR)

Annual Percentage Yield (APY)

$2,500

0.10%

0.10%

$25,000

0.10%

0.10%

$50,000

0.10%

0.10%

$100,000

0.10%

0.10%

* Fees or other conditions could reduce earnings on the account. These rates are dependent upon the earnings of the credit union and cannot be guaranteed. APY is Annual Percentage Yield, APR is Annual Percentage Rate. Money Market Rates are variable and subject to change at any time.


<back to top>

 

  Loan Rates

Rates are Accurate as of 3/3/2014

Most loan rates are based upon your credit score. Rates and terms are subject to change at any time. All rates quoted are eligible for a .25% discount for automatic payment. All rates are Annual Percentage Rates (APR). Austin FCU NMLS # 779853

New & used vehicles
Term restrictions apply. All rates are annual percentage rates (APR)
Max Term
Rate Range
Monthly Payment per $1000
72 months 2.24% to 4.00% $14.86 to $15.65
60 months 1.70% to 9.00% $17.40 to $20.76
54 months 1.70% to 9.00% $19.25 to $22.59
48 months 1.70% to 9.00% $21.56 to $24.89
42 months 1.70% to 8.65% $24.54 to $27.68
36 months 1.70% to 8.65% $28.51 to $31.64
24 months 1.70% to 8.65% $42.41 to $45.52

Other secured loans (miscellaneous secured and titled collateral over $30,000)
Term restrictions apply. All rates are annual percentage rates (APR)
Max Term
Rate Range
Monthly Payment per $1000
48 months 7.75% to 15.00% $24.30 to $27.83
120 months 5.25% to 12.00% $10.73 to $14.35
144 months 5.25% to 12.00% $9.37 to $13.13
180 months 6.25% to 11.50% $8.57 to $11.68

Unsecured loans
Term restrictions apply. All rates are annual percentage rates (APR)
Max Term
Rate Range
Monthly Payment per $1000
48 months 10.90% to 17.90% $25.80 to $29.32
36 months 9.90% to 17.90% $32.22 to $36.10
24 months 9.90% to 17.90% $46.10 to $49.88
18 months 9.90% to 17.90% $60.01 to $63.76

Home Equity and Home Improvement loans
Term restrictions apply. All rates are Annual Percentage Rates (APR)
Max Term
Rate
Monthly Payment per $1000
60 months 2.99% $17.96
120 months 4.00% $10.12
180 months 4.50% $7.65
240 months 5.00% $6.60

  Credit Cards

Austin Federal Credit Union issues Regular and Gold MasterCards. There are no annual fees.

Current rates:

  • Standard MasterCard rates, for purchases or cash advances, are 10.90% APR (annual percentage rate)
  • Gold MasterCard rates, for purchases or cash advances, are 9.90% APR (annual percentage rate)

  Mortgage Loans

Please call (512) 444-6419 for current rates & terms

Austin FCU NMLS # 779853

<back to top>

  Account Fee Schedule

Fee Schedule effective April 1, 2014
Changes have been included in bold
Closed acct fee (within 90 days of opening)
$5.00
 
Checking Account Fees
Check printing fee (shown as ACH/Harland-Clarke on your statement)
Prices vary depending upon style
Copy of check charge-two (2) copies free per month, Internet copies free
$3.00
 
Non return fee
$33.00
per item
NSF charge
$33.00
per item
Courtesy Pay Fee
$33.00
per item
Overdraft transfer charge
$3.00
per transfer
Postdated item request fee
$33.00
 
Stop payment
$33.00
 
Temporary checks
$1.00
per sheet of 3
Other Service Fees (applicable to all accounts)
Account history printout (free on Internet)
$3.00
 
Account reconciliation (one hour minimum)
$20.00
per hour
Account research (one hour minimum)
$20.00
per hour
Account verification fee
$5.00
per request
ATM/debit card lost card replacement fee
$5.00
 
Check cashing fee (waived with $100 on deposit, $1,000 in loans or 50% if check deposited. The fee will be assessed on all two-party payroll checks.)
1%
of check amount
Check collection-outgoing-domestic
$15.00
 
Check collection outgoing-international
$25.00
 
Check collection-incoming
$5.00
 
Coin counting fee
None
 
Copy/Fax fee
$0.10
per page
Inactive account fee after 9 months of inactivity (doesn't apply to IRA's)
None
 
Dormant account fee after 24 months of inactivity (doesn't apply to IRA's)
$5.00
per month
Legal process fee
$50.00
 
Money Order fee
$1.50
per money order
Paper Statement Fee
$2.00
per statment
Return check fee (checks written on your account elsewhere)
$30.00
 
Return check fee (other than above)
$20.00
 
Return MasterCard payment fee
$30.00
 
Undeliverable statement processing fee (email or post)
$5.00
per statement
Statement copy fee
$2.50
per statement
Teller/Cashier check to member
$2.00
per check
Teller/Cashier check to non-member
$5.00
per check
Telephone Inquiries for information that is available via audio or No-Line Banking
$2.00
 
Telephone transfers that could be completed via audio or No-Line Banking
$2.00
each transfer
Unreturned drive thru canister
$75.00
 
Web pay service (.40 per transaction over 15; additional $22 NSF fee)
$5.95
per month
Wire Transfer Fees (bank and Western Union)
Wire transfer fee-domestic
$15.00
 
Wire fee-incoming
$5.00
 
Wire trace fee
$20.00
 
Wire amendment fee
$20.00
 
Electronic Funds Transfer Fees
ATM withdrawal fee (non-proprietary)
$1.00
 
ATM withdrawal fee (proprietary)
none
 
ATM inquiry fee (non-proprietary)
$1.00
 
NSF ATM charge
$33.00
per item
NSF ACH charge
$33.00
per item
Credit Union Membership
Membership share
$5.00
 
Federally insured by NCUA. Austin Federal Credit Union
1900 Woodward Street | Austin, TX 78741

Toll Free: (800) 950-8143 | Local: (512) 444-6419 | Fax: (512) 444-6474
Contact Us | SiteMap |Privacy & Disclosures
Equal Housing Lender