All Rates are effective as of 5/1/2022 but subject to change at any time.
Contact a Member Service Representative to confirm the most recent rates.
Please refer to the Truth-In-Savings brochure for complete disclosure of terms.
*** Acclaim FCU checking account holders with direct deposit add .10% to certificate APY***
Fees might reduce earnings on accounts.
CERTIFICATES Additional deposits not allowed. Will automatically renew at the same term and the rate in effect at maturity unless notified before maturity. Substantial penalty for early withdrawal. | MINIMUM DEPOSIT REQUIRED | TERM | DIVIDEND RATE (APR) Annual Percentage Rate | ANNUAL PERCENTAGE YIELD (APY) |
---|---|---|---|---|
STEP-UP Certificate | $500 | 24 months | 0.35 | 0.35 |
SUPER Saver Certificate | $1,000 | 6 months 12 months 24 months 36 months 48 months (NEW!) 60 months (NEW!) | 0.20 0.30 0.40 0.50 0.55 0.60 | 0.20 0.30 0.40 0.50 0.55 0.60 |
JUMBO Saver Certificate | $100,000 | 6 months 12 months 18 months 24 months 36 months 48 months (NEW!) 60 months (NEW!) | 0.30 0.40 0.35 0.45 0.60 0.65 0.70 | 0.30 0.40 0.35 0.45 0.60 0.65 0.70 |
Certificate specials | $1000 | 18 months | 0.35 | 0.35 |
Checking and Savings Accounts | BALANCE REQUIRED to earn dividend | DIVIDEND RATE (APR) Annual Percentage Rate | ANNUAL PERCENTAGE YIELD (APY) |
---|---|---|---|
MEMBERSHIP SAVINGS Minimum $5 required on deposit, plus a one-time $5 Membership Fee to establish account. This account is required to be a member. "Once a Member, Always a Member" | $25 | 0.10 | 0.10 |
KIRBY KANGAROO SAVINGS For children through age 13. CLAIM YOUR YOUTH SAVINGS For teens through age 18. Minimum $5 required on deposit, plus a one-time $5 Membership Fee to establish account. | $25 | 0.10 | 0.10 |
CHRISTMAS CLUB No minimum deposit required. Automatically disburses annually on October 1st. Substantial penalty for early withdrawal. | $25 | 0.05 | 0.05 |
VACATION CLUB No minimum deposit required. No automatic disbursements. Funds can be withdrawn at any time without penalty. | $25 | 0.05 | 0.05 |
INDIVIDUAL RETIREMENT ACCOUNT (IRA) SAVINGS EDUCATION SAVINGS ACCOUNT (ESA) | $25 | 0.30 | 0.30 |
SAVINGS EDUCATION SAVINGS ACCOUNT (ESA) | $25 | 0.30 | 0.30 |
HEALTH SAVINGS ACCOUNT (HSA) | $25 | 0.20 | 0.20 |
CHECKING ACCOUNT No minimum deposit required. No monthly service charge, no per check fee. Free MasterCard debit card, free online banking and bill payment. | $2,500 | 0.05 | 0.05 |
MONEY MARKET $2,500 minimum to invest. No Annual Fee. Variable rates set by board of directors and are subject to change. 6 withdrawals allowed per month with a maximum of 3 withdrawals by check. $10 below minimum fee (if drops below $2,500). $10 excessive withdrawal fee. | $0.00 - $2,499 $2,500 - $10,000 $10,001 - $25,000 $25,001 - $50,000 $50,001 and over | 0.00 0.15 0.25 0.30 0.35 | 0.00 0.15 0.25 0.30 0.35 |
All Rates are effective as of 5/01/2022 but subject to change at any time.
Contact a Member Service Representative to confirm the most recent rates.
Loan Type | Term | Annual Percentage Rate (APR) as low as |
---|---|---|
NEW OR USED AUTO LOANS Ask about our "Green" Auto Loan Rates! Don't forget that we meet or beat your current auto loan rates with other financial institutions! | 48 months | 2.15%* |
60 months | 2.40%* | |
72 months $15,000 minimum | 2.90%* | |
84 months $25,000 minimum | 3.15%* | |
RECREATIONAL VEHICLES Includes boats, campers, RVs, 4-wheelers or any vehicle used strictly for recreation | 36 & 48 months | 5.90%* |
60 months | 6.40%* | |
72 months $20,000 minimum | 6.65%* | |
84 months $30,000 minimum | 6.90%* | |
96 months $50,000 minimum | 8.00%* | |
MASTERCARD CREDIT CARD No annual fee. 25-day grace period for purchases. Balance transfers: We pay YOU $10 per transfer up to $50 | Revolving line of credit | 13.40% - Classic 11.40% - Gold** **Minimum Line $10,000 |
PERSONAL LOANS Rate is based on credit factors and loan amount and term | Max term 72 months | As low as 6.90%* |
OVERDRAFT LINE OF CREDIT Cover all your checking accounts at the credit union with one line of credit. No fees or charges to maintain other than APR1 when the outstanding balance is owed. 1 Annual Percentage Rate | Revolving line of credit | 12.95% 14.95% 18.00% |
SAVINGS AND CERTIFICATE SECURED LOANS Borrow the money on deposit in your account or certificate | Savings Loan Certificate Loan | Highest Dividend Rate +3.00% Certificate Rate + 3.00% |
HOME EQUITY LINE OF CREDIT Variable rate changes quarterly based on Prime | Revolving line of credit | As low as 4.50% |
All rates are based on credit factors; your rate may be higher. *Rate may include Auto Pay, Multiple Loan/Repeat Borrower, and/or Fully Protected discounts. MasterCard Credit Cards, Overdraft Lines of Credit, Secured Loans, and Home Equity Lines of Credit are not eligible for discounts. |
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**All rates are based on card account type; your rate may be higher. |
All fees are effective as of 5/01/2022 but subject to change at any time.
Contact a Member Service Representative to confirm the most recent fees.
Account | Fee |
---|---|
ACH Debit Return up to | $32.00 |
Christmas Club Early Withdrawal Fee | $20.00 |
Reg D Savings Withdrawal (After 6 Savings Withdrawals per month) | $5.00 |
Account | Fee |
---|---|
Money Market Below Minimum | $10.00 |
Money Market Excessive Withdrawals | $10.00 |
ACH Debit or Check Return-Insufficient Funds Fee - 50% of the transaction, up to | $32.00 |
Debit Card (new) | Free |
Debit Card (replacement) | $10.00 |
Debit Card ATM Checking Withdrawal | Free |
Returned Check - NSF/Held Funds-Insufficient Funds Fee 50% of the transaction, up to | $32.00 |
Paid Check or Debit Courtesy Pay Fee - 50% of the transaction, up to | $32.00 |
Manual Check (per day) | $5.00 |
Overdraft from Savings | $5.00 |
Overdraft from Loan | Free |
Stop Payment | $32.00 |
Cancelled Check Copy | Free |
Check Printing Order | Varies |
Account | Fee |
---|---|
Account Reconcilement Per Hour | $15.00 |
ACH One-Time Debit/Credit | $5.00 |
Bank Wire (Domestic) | $25.00 |
Bank Wire (Foreign) | $50.00 |
Bank Wire (Incoming) | Free |
Bill Payment Enrollment Fee | Free |
Bill Payment (per month) | Free |
CU Service Center Transaction | Free |
Dormancy Fee Per Month | $5.00 |
Express Mail | Starting at $15.00 |
Express Mail - Saturday | Starting at $25.00 |
Express Mail - International | Starting at $80.00 |
Foreign Transaction Fee - Up to 3% of the transaction Amount | Varies |
Inactivity Fee | Up to $50.00 |
Legal Order Processing Fee | $75.00 |
Loan Origination Fee | $50.00 |
Loan Skip-a-Pay Fee (30% of fees paid to charity) | $30.00 |
Official Check Issuance (>3 per day) | $1.00 each |
Official Check Stop Payment | $32.00 |
Official Check Void/Redeposit Fee | $5.00 each |
Online Banking Access | Free |
Invalid Address Notification | $10.00 |
Research Fee Per Hour | $25.00 |
Returned Deposit Item | $25.00 |
Statement Copy | $3.00 |
Subordination Fee | $100.00 |
Visa Gift Cards | $5.00 |
Early Membership Closure Fee - 1st 90 days | $15.00 |
Re-Open Membership within 6 months | $25.00 |
e-Statements (e-Documents) | Free |
Individual Retirement Transaction Fee | Free |
Notary Service for members | Free |
ACH Deposits | Free |
ACH Withdrawals | Free |
Safe Deposit Annual Rental | Varies with size |
Lost Safe Deposit Key | Starting at $20.00 |
Safe Deposit Box Drilling | Starting at $150.00 |
Safe Deposit Late Rental Payment Fee | $15.00 |
Fax / Copier Use - Per Page | $0.25 |
Coin Machine for Members | 1% of the deposited amount |
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CONTACT
1823 Banking Street
Greensboro, NC 27408
Monday – Thursday: Lobby & Drive Thru 8:30 AM – 4:30 PM
Friday Lobby & Drive Thru 8:30 AM – 5:00 PM
Toll-Free: (888) 794-1001 (Call or Text)
Local: (336) 332-5302
Fax: (336) 579-9035
For lost or stolen Credit Cards:
(800) 808-7230
For lost or stolen Debit Cards:
(888) 241-2510
Routing #: 253184692 | Find ATM | Disclosures | Privacy Policy | Terms of Use
Acclaim Federal Credit Union NMLS ID 421622
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