Disclosures

*APY=Annual Percentage Yield

**7-month CD: New money only (from outside Alabama Credit Union), paid at maturity only. Rolls over into a 6-month CD, compounding quarterly. Effective July 18, 2006: Now available for rollover of existing deposits at Alabama Credit Union.

****Just Gets Better CD: As of Nov. 12, 2001, no longer available. Members who currently have a 15 Month Just Gets Better CD may choose one during the 15-month term: (1) Bump up rate to current rate being paid on 15-month certificate at ACU; or (2) Add money to your CD at your existing CD rate Same features apply to members who currently have a 24 Month Just Gets Better CD (24-Month CD rate used).

***** Credit union pays closing costs on Home Equity Line of Credit loan: (attorney fee, appraisal fee, title search and insurance, recording fee, origination fee, flood survey fee). Borrower pays survey fee if required. Borrower pays mortgage insurance fee if required. If loan is paid in full in less than five years, payoff must include closing costs paid by credit union.

Daily Money Market Account interest is declared monthly.

Alabama Credit Union offers one of the strongest packages of deposit insurance protection available! Member accounts federally insured to $100,000 by NCUA. Accounts additionally insured to $250,000 by American Share Insurance. IRAs separately insured to a total of $350,000 per member. For details about your deposit insurance coverage, download or ask for a copy of our "Your Insured Funds" guide.

Type 2 Real Estate loans: Up to 90% loan-to-appraised value or purchase price, whichever is less. Credit score 640 or higher. No private mortgage insurance required.

 

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. Your savings are additionally insured to $250,000 by Excess Share Insurance. To estimate your National Credit Union Share Insurance Fund coverage, use this insurance estimator or download NCUA's Your Insured Funds brochure. Alabama Credit Union does business in accordance with the Equal Credit Opportunity Act and the Federal Fair Housing Law. We are an Equal Housing Lender. Rates expressed as Annual Percentage Rate or Annual Percentage Yield; all rates and terms subject to change without notice. For complete account disclosures, ask for a copy of our Membership & Account Agreement, Reg CC (Funds Availability) and Reg E (Electronic Transfers) disclosures, Fee Schedule and Member Business Account™ Fee Schedule. Membership eligibility required. Alabama Credit Union is not responsible for content of Web sites which may be accessible via links from this site but are not operated by Alabama Credit Union, and does not represent either the third party or the member if the two enter into a transaction; privacy and security policies may differ from those practiced by Alabama Credit Union.

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