MasterCard (Limits Range from $300 - $40,000)

APR*
(as low as)

Auto Loan rates available for vehicles not previously financed at American Heritage Federal Credit Union.
Any vehicle 8 years or older or vehicles with 100,000 miles will carry an additional 2.00% rate adjustment.

APR*
(as low as)

*Rates shown include a 0.25% reduction to the Annual Percentage Rate, APR, if loan payments are made by Payroll Deduction or Automatic Transfer from an AMHFCU account. Annual percentage rates on these products are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. All payments quoted are based on per $1,000 borrowed. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example, if you borrow $10,000, multiply 10 by the figure noted next to the specified loan product.

**Gold Home Equity Line of Credit Rate is as low as 51 basis points below the highest prime rate as published in the Money Rates Section of the Wall Street Journal in effect on the last business day of each calendar month of each year. Rate cannot fall below 3.49% APR or exceed 14.99% APR. Minimum Payment Example: If you made only the minimum payments and took no other credit advances, it would take 119 months to pay off a credit advance of $10,000 at an Annual Percentage Rate of 3.49%. During that period, you would make 119 monthly payments of $100.00, which is the minimum payment per month for this account and a final payment of $36.78. Maximum Rate and Payment Example: If you had an outstanding balance of $10,000 during the draw period, the minimum payment at the maximum Annual Percentage Rate of 14.99% would be $139.89. This Annual Percentage Rate could be reached during the first month of the draw period. If you had an outstanding balance of $10,000 during the repayment period, the minimum payment at the maximum Annual Percentage Rate of 14.99% would be $161.27. Rates on these products are determined by an evaluation of applicant credit. Your rate may vary from the rate shown.

***Annual Percentage Rate for the Interest Only Home Equity Line of Credit is as low as 25 basis points below the highest prime rate as published in the Money Rates Section of the Wall Street Journal in effect on the last business day of each calendar month of each year. Rate cannot fall below 3.99% APR or exceed 15.49% APR. There is an origination fee of $100. Minimum Rate and Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 7 years 7 months to pay off a credit advance of $10,000 at an Annual Percentage Rate of 3.99%. During that period, you would make 36 payments of $30.61 to $33.89, followed by 54 payments of $200.00 and one (1) final payment of $155.19.Maximum Rate and Payment Example: During the draw period, if you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 15.49% would be $131.56. This Annual Percentage Rate could be reached at the time of the 1st payment. The Interest Only Home Equity Line of Credit has a term of 276 months and provides for the payment of interest only for the first 36 months of the term and payments of principal and interest for the remaining 240 months of the term. During the interest only period, principal is not reduced and your payment may vary monthly depending on the number of days in the month. At the end of this period, your monthly payment will increase, possibly substantially, because you will be required to pay down the outstanding principal. The minimum payment during the remaining 240 months is $200.00. Always consider paying more than the minimum payment to pay down the principal.

**** The Monthly payment per $1,000 was calculated using the lowest term within the range. For a more accurate calculation please use one of our loan calculators.

Homeowners Insurance and Flood Insurance, if applicable, is required.

Dividend Rate

Variable Rate Accounts. Rates may change after account is opened.
Fees could reduce earnings (minimum balance fee).