Rates

Savings & IRA Savings

Balance TierRateAPY**
$0.01 – 10,000.000.60%0.60%
10,000.01 – 25,000.000.85%0.85%
25,000.01 – 50,000.001.00%1.00%
50,000.01 – above1.25%1.26%

Checking

Balance TierRateAPY**
0.01 – above0.10%0.10%

Christmas Club

Balance TierRateAPY**
0.01 – above0.60%0.60%

Certificates and IRAs

TypeRateAPY** Term
Income4.004.00 12 Months
Growth4.004.07% 12 Months
** Annual Percentage Yield (APY)

Auto / Motorcycle

YearTermAPR*Monthly Payment per $1,000 for Maximum Term
With Disability, Life, &
Involuntary Unemployment
Protection		With Disability & Life
Protection		Without Protection
2022-20250 - 365.00%32.2331.8930.02
37-605.25%21.3120.9619.02
61 - 725.25%18.5918.2216.25
73 - 845.75%16.9216.5514.52
20210 – 605.25%21.3120.9619.02
61 – 725.25%18.5918.2216.25
73 – 846.00%17.0616.6814.64
20200 – 605.25%21.3120.9619.02
61 – 726.00%18.9818.6116.61
20190 – 545.25%23.1422.7920.87
55 – 666.00%20.2119.8417.86
20180 – 486.00%25.8025.4523.53
49 – 606.25%21.8221.4619.49
20170 – 486.25%25.9325.5823.65
49 – 606.50%21.9421.5819.61
2016 & Older0 – 366.50%32.9532.6130.71
37 – 486.75%26.1725.8223.88

* Annual Percentage Rate (APR)

Home Equity

TypeTermRateAPR*Monthly Payment per $1,000 for maximum term
With Disability, Life, &
Involuntary Unemployment
Protection		With Disability & Life
Protection		Without Protection
Loan - 1st Lien0–605.25%5.37%21.3120.9619.02

0-85% LTV

61–845.50%5.59%16.7916.4214.40
85–1205.50%5.57%13.4113.0110.88
121–1805.85%5.90%11.1810.738.38
181–2406.00%6.04%10.229.737.18
Loan - 2nd Lien0–605.75%5.87%21.5621.2119.25

0-85% LTV

61–846.00%6.09%17.0616.6814.64
85–1206.00%6.07%13.7013.2911.13
121–1806.25%6.30%11.4310.988.60
181–2406.50%6.54%10.5610.077.48
Loan - 2nd Lien

85.01-100% LTV

Please call for details
Line-of-CreditPrime Rate – Call for details **

*Annual Percentage Rate (APR) Reflects $150 Origination Fee on $50,000 loan amount. Minimum Home Equity loan amount is $10,000.

**Annual Percentage Rate (APR) is a variable interest rate determined by the Independent Index of the Wall Street Journal’s Prime Rate. When of range of rates has been published, the highest rate will be used. We use the most recent Index value available to us as of 15 days prior to any/all quarterly APR adjustments on the first day January, April, July, and September. If the rate is not rounded, we round up to the next .25%. $150 Origination Fee applies.

 

Mortgage

Fixed TermAmount
(In Thousands)		Rate*APR**
30 Year$301 & Over6.750%6.845%
$251 - $3006.625%6.719%
$201 - $2506.625%6.719%
$151 - $2006.625%6.719%
$150 & Under6.500%6.594%
20 Year6.375%6.498%
15 Year6.000%6.152%
10 Year6.000%6.326%

* As low as  |  ** Annual Percentage Rate (APR)  |  Rates Updated Daily

Personal

TypeTermAPR *Payments per $1,000 for maximum term
With Disability, Life, &
Involuntary Unemployment
Protection		With Disability & Life
Protection		Without Protection
Savings Secured0 – 603.25%20.3219.9818.10
Personal0 – 4211.00%31.2430.8828.87
Line-of-Credit10.50%
VISA (Secured)7.99%
VISAAs low as 9.99% **

* Annual Percentage Rate (APR)
** 9.99% APR based on high credit score; your actual APR is based on your creditworthiness at the time of application

Student Loan

As low as 8.50% APR *

*Annual Percentage Rate. The index rate is variable and will adjust quarterly, using the Prime Rate as published in the Money section of the Wall Street Journal on the first day of the preceding month. Rates will range from 2 – 5% above the Prime Rate, with a floor rate as low as 6.00%. Your rate will be determined based on credit approval. Other terms and conditions may apply. Contact the Credit Union for complete details.

Recreational Vehicle / Camper / Boat

TermAPR*Payments per $1,000 for maximum term
With Disability, Life, &
Involuntary Unemployment
Protection		With Disability & Life
Protection		Without Protection
New0 – 606.75%22.0721.7119.73
61 – 847.25%17.7317.3415.25
85 – 1207.50%14.5714.1511.90
Used0 – 487.00%26.3025.9524.00
49 – 847.50%17.8617.4815.38

 

 

* Annual Percentage Rate (APR)

ATV / UTV / Side by Side**

YearTermAPR*Monthly Payment per $1,000 for Maximum Term
With Disability, Life,
& Involuntary
Unemployment
Protection		With Disability & Life
Protection		Without Protection
2022-20250 - 366.75%33.0732.7330.83
37-607.00%22.2021.8419.85
61 - 727.00%19.5019.1217.09
73 - 847.50%17.8717.4815.38
20210 – 607.00%22.2021.8419.85
61 – 727.00%19.5019.1217.09
73 – 847.75%18.0017.6115.50
20200 – 607.00%22.2021.8419.85
61 – 727.75%19.8919.5217.46
20190 – 547.00%24.0223.6621.69
55 – 667.75%21.1120.7418.71
20180 – 487.75%26.6826.3224.36
49 – 608.00%22.7222.3520.33
20170 – 488.00%26.8026.4524.47
49 – 608.25%22.8522.4820.45
2016 & Older0 – 368.25%33.8133.4631.53
37 – 488.50%27.0626.7024.71

 

* Annual Percentage Rate (APR)
** Classified as miscellanious collateral.

Miscellaneous Collateral

Armco Credit Union will finance the purchase of new and used collateral that falls outside our consumer vehicle and recreational vehicle policies and procedures. The purpose of the loan must be for non-business purposes..

Rates valid as of July 3, 2025 4:06 am EST. View / download our current rate sheet (PDF).
Rates - ** Annual Percentage Yield (APY)

Mortgage Calculator

A small difference in the parameters of your mortgage can make a big impact on how much you pay for your home

Rates - ** Annual Percentage Yield (APY)

Early Mortgage Payoff Calculator

The quicker you payoff your mortgage, the less you’ll pay in interest

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What type of mortgage is right for you?

4 convenient ways to apply 

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Rates - ** Annual Percentage Yield (APY)

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