Maximize Your Savings with Our Current, Competitive Rates
Learn about our current rates and apply for membership or a loan today!
Checking Accounts
Save the Change Checking
Discover the benefits of banking with AmeriChoice.
| Deposit Amount | Annual Percentage Yield |
|---|---|
| $0+ | %0.00 APY |
Simplified Checking
| Deposit Amount | Annual Percentage Yield |
|---|---|
| $0+ | 0.00% |
Business Dividend Draft Checking
| Deposit Amount | Annual Percentage Yield |
|---|---|
| $0 – $999 | 0.00% APY* |
| $1000+ | 0.05% APY |
Dividends paid monthly
*APY=Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings.
Health Savings Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| $0 – $999 | 0.00% APY* |
| $1000+ | .15% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Credit Cards
Visa Platinum Credit Card
| Description | Annual Percentage Rate |
|---|---|
| Platinum | 8.90% APR* |
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above.
VISA Platinum Preferred Credit Card
| Description | Annual Percentage Rate |
|---|---|
| Platinum Preferred | 10.99% APR* |
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above.
Loans
Home Equity Loan Up to 85% Equity
| Loan Term | Interest Rate |
|---|---|
| Up to 36 Months | 5.74% APR* |
| 37-60 Months | 5.74% APR* |
| 61-120 Months | 5.99% APR* |
| 121-180 Months | 6.49% APR* |
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice. Maximum APR is 21% or the maximum permitted by law, whichever is lower.
Subject to Credit Approval; Property Insurance is Required; Membership Eligibility Applies.
Terms up to 15 years.
Minimum loan amount of $5,000.
Real Estate Secured** = Closed end loan up to 85% market value financing.
$5,000 or more in new money is required to refinance existing AmeriChoice Equity Loans.
Home Equity Loan Up to 100% Equity
| Loan Term | Interest Rate |
|---|---|
| Up to 36 Months | 6.24% APR* |
| 37-60 Months | 6.24% APR* |
| 61-120 Months | 6.49% APR* |
| 121-180 Months | 6.99% APR* |
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice. Maximum APR is 21% or the maximum permitted by law, whichever is lower.
Subject to Credit Approval; Property Insurance is Required; Membership Eligibility Applies.
Terms up to 15 years.
Minimum loan amount of $5,000.
Real Estate Secured** = Closed end loan up to 100% market value financing.
$5,000 or more in new money is required to refinance existing AmeriChoice Equity Loans.
Home Equity Line of Credit
| Description | Annual Percentage Rate |
|---|---|
| Home Equity Line of Credit | 8.50% APR* |
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice.
Subject to Credit Approval; Property Insurance is Required; Membership Eligibility Applies. Subject to Credit Approval. Property Insurance is required. Membership Eligibility applies.
Share Secured Loan
| Loan Term | Interest Rate |
|---|---|
| Up to 36 months | 2.24% APR* |
| 37 to 60 months | 2.99% APR* |
*APR=Annual Percentage Rate
Home Stretch Final Mortgage
| Loan Term | Annual Percentage Rate |
|---|---|
| Up to 36 months | 5.74% APR* |
| 37 to 60 months | 5.74% APR* |
| 61 to 120 months | 5.99% APR* |
| 121 to 180 months | 6.49% APR* |
*APR=Annual Percentage Rate. The rate, term, and maximum amount your can borrow may vary and is based upon the applicant’s credit worthiness and the amount of equity in your home. Rates are subject to change without notice. All loans are subject to lending guidelines.
Subject to Credit Approval; Property Insurance is Required; Membership Eligibility Applies.
Terms up to 15 years. Minimum loan amount of $5,000.
Real Estate Secured** = Closed end loan up to 85% market value financing. $5000 or more in new money is required to refinance existing Equity Loans.
Must qualify for membership and become a member to take advantage of this offer.
Auto Loans
| Loan Term | Interest Rate |
|---|---|
| New – Up to 36 Months | 5.99% APR* |
| New – 37 to 48 Months | 6.24% APR* |
| New – 49-60 Months | 6.49% APR* |
| New – 61-72 Months | 6.74% APR* |
| New – 73-84 Months | 7.14% APR* |
| Used – 2017 and Newer up to 36 Months | 6.24% APR* |
| Used – 2017 and Newer 37-48 Months | 6.49% APR* |
| Used – 2017 and Newer 49-60 Months | 6.74% APR* |
| Used – 2017 and Newer 61-72 Months | 6.99% APR* |
| Used – 2017 and Newer 73-84 Months | 7.24% APR* |
| Used – 2014-2016 Models up to 36 months | 6.99% APR* |
| Used – 2014-2016 Models 37-48 Months | 6.99% APR* |
| Used – 2014-2016 Models 49-60 Months | 6.99% APR* |
| Used – 2014-2016 Models 61-72 Months | 7.24% APR* |
| Used – 2013 and Older Models up to 60 Months | 7.24% APR* |
*APR=Annual Percentage Rate. The rates and terms listed are based upon the applicant’s credit worthiness and may vary from that shown above.
Subject to credit approval. Rates may increase and are subject to change without notice.
Signature Loan
| Loan Period | Interest Rate |
|---|---|
| Up to 60 Months | 9.49% APR* |
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Maximum APR is 18%.
Payment for a $1,000 for 60 months at 8.99% is $20.76 a month.
**Borrow $500 to $25,000. No prepayment penalty. Maximum payment term is 60 months.
Stock Secured Loan
| Description | Interest Rate |
|---|---|
| Stock Secured** | 10.25% APR* |
*APR=Annual Percentage Rate
Variable Rate Line of Credit
**Use the value of your IBM stock as collateral. Borrow up to 75% of the current market value.
Recreational Vehicle Loan
| Loan Term | Interest Rate |
|---|---|
| New Recreational Vehicle Loan up to 60 Months | 7.49% APR* |
| New Recreational Vehicle Loan 61-120 Months | 7.99% APR* |
| Used Recreational Vehicle Loan up to 60 Months | 7.99% APR* |
| Used Recreational Vehicle Loan 61-120 Months | 8.24% APR* |
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above.
Personal Service Line of Credit
| Description | Annual Percentage Rate |
|---|---|
| Personal Service Line of Credit | 13.00% APR* |
*APR = Annual Percentage Rate
(Variable Rate Line of Credit – Prime + 5% Adjusted Quarterly)
2nd Quarter Rate 13.00% APR
DPR .0356164%
Savings
Share Savings Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| $0 – $4.99 | 0.00% APY* |
| $5.00+ | .10% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. The annual percentage yield is accurate as of the last dividend declaration date.
Sub Share Savings Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| All Deposits | .10% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. The annual percentage yield is accurate as of the last dividend declaration date.
Holiday Club Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| All Deposits | 0.15% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. The annual percentage yield is accurate as of the last dividend declaration date.
Vacation Club Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| All Deposits | 0.15% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. The annual percentage yield is accurate as of the last dividend declaration date.
Home Savers Club
| Deposit Amount | Annual Percentage Yield |
|---|---|
| All Deposits | .15% APY* |
*APY = Annual Percentage Yield. Rates are subject to change without notice. The annual percentage yield is accurate as of the last dividend declaration date.
Premier Money Market Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| Up to $50,000 | 0.00% APY* |
| $50,000.01+ | .65% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. The annual percentage yield is accurate as of the last dividend declaration date.
Tiered Money Market Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| Up to $2,500 | 0.00% APY* |
| $2,500.01 – $10,000 | 0.45% APY* |
| $10,000.01 – $25,000 | 0.45% APY* |
| $25,000.01 – $75,000 | 0.50% APY* |
| $75,000.01 – $150,000 | 0.65% APY* |
| $150,000.01+ | 0.75% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. The annual percentage yield is accurate as of the last dividend declaration date.
Share Certificates
| Deposit Term | Annual Percentage Yield |
|---|---|
| 3 Months ($500 minimum) | 0.95% APY* |
| 6 Months ($500 minimum) | 4.00% APY* |
| 12 Months ($500 minimum) | 1.50% APY* |
| 24 Months ($500 minimum) | 1.35% APY* |
| 36 Months ($500 minimum) | 1.50% APY* |
| 48 Months ($500 minimum) | 1.65% APY* |
| 60 Months ($500 minimum) | 1.80% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. The annual percentage yield is accurate as of the last dividend declaration date.
Early withdrawal penalty may be imposed.
Dividend rates are declared by the Board of Directors and cannot be guaranteed
Stars Reward Members receive 5 basis point bonus.
Stripes Reward Members receive 10 basis point bonus.
To be eligible for bonus Member Reward level must be a Star or Stripe at the time of Share Certificate account opening. Reward Levels are determined on the last business day of each month and are effective until the next end of month process.
Business Premier Money Market Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| $0 – $49,999 | 0.00% APY* |
| $50,000+ | 0.65% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Business Tiered Money Market Account
| Deposit Amount | Annual Percentage Yield |
|---|---|
| Under $2,500 | 0.00% APY* |
| $2,500 – $9,999 | 0.30% APY* |
| $10,000 – $24,999 | 0.30% APY* |
| $25,000 – $74,999 | 0.35% APY* |
| $75,000 – $149,999 | 0.65% APY* |
| $150,000+ | 0.75% APY* |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Estimate Your Monthly Loan Expense with our Free Loan Calculator
Use our loan calculator* to help decide the best loan for you, and how you can save money!
*Calculators can be used for estimating purposes only and are not a guarantee of credit.