1 – Adoption Loan Program: Loan subject to credit approval. Advertised “as low as” adoption loan APR assumes excellent credit history and maximum rate discount of 0.50% APR for payments made by ACH/automatic payment. Not all applicants will qualify for the lowest rate. Loan funding fee of $75.00. For a $20,000 Adoption Loan with a 60-month term at 7.99% APR, the monthly payment will be approximately $391.00. For a $30,000 Adoption Loan with a 84-month term at 9.99% APR, the monthly payment with be approximately $475.00. Auto Equity Loan: For example, a $30,000 loan with a term of 36 months at 5.24% is approximately $30.08 per month per $1,000 borrowed; 84 months at 6.49% is approximately $14.84 per month per $1,000 borrowed. Actual payment will vary based on the total amount financed.

2 – APR = Annual Percentage Rate.

3 – Adoption LOC is subject to credit approval. Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.50% APR for payments made by ACH/automatic payment. Not all applicants will qualify for lowest rate. Current ACCU loans not eligible. Loan funding fee of $75.00. Maximum 24 months draw period. Adoption LOC is an unsecured line of credit with rates ranging from 9.49%–16.49% APR. Minimum payment of $100 or 2.0% of highest balance after last advance, whichever is greater. Disbursement of funds will be controlled as expenses are approved. Line of credit advances must be approved by ACCU and can only be used for approved purposes in relation to the adoption expense.

4 –  Loans subject to credit approval. Not all applicants will qualify. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. A maximum rate discount of 0.50% for ACH/automatic payment from a America’s Christian Credit Union checking account. There is a $75.00 loan funding fee. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. Used vehicles are subject to Kelly Blue Book valuation.

5 – This HELOC (Home Equity Line of Credit) is a variable rate plan as described in the applicable loan documents. Not all applicants will qualify. APR may vary based on the index rate plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. The current index is 8.25%. APR will not exceed 18.00%. Advertised “as low as” APR assumes excellent credit history, loan-to-value, and maximum rate discount of 0.25% for ACH/automatic payment. Qualification and APR dependent on credit history, debt to income, loan-to-value, ability to repay, homeownership, and other factors. Maximum loan-to-value ratio is 70% for owner-occupied and 60% for non-owner occupied, based on appraisal value. Available to owner and non-owner occupied, single-family dwellings. Minimum advance is $5,000. $100 modification fee for existing loans to re-amortize and extend term to 20-year amortization. Dependent on state regulations: Prepayment Closure Fee: $400 if the loan balance is paid in full within the first 6 months, and $400 if the loan is closed and re-conveyed in full during the first 36 months. Property insurance is required. Rates, terms, and conditions are subject to change or discontinue at any time, without notice. For a $50,000 Home Equity Line of Credit, Quarterly Adjustable, with 70% Loan to Value at 4.75% APR, the monthly payment will be approximately $262. There is a discount of 0.25% applies to automatic payments through an ACCU checking account or external account for the life of the loan. If automatic payments are stopped, the discount will not apply. Discount will apply after introductory period. HELOC product is not available in Texas.

All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply.