The APS Federal Credit Union offers the following types of Saving Accounts.

1. Regular shares.
2. Club accounts (Christmas, vacation, and special clubs).
   
   - APS Federal Credit Union wants to help you save for annual expenses by offering a variety of club accounts. Whatever annual expenses you may have, whether it is taxes, insurances, school expenses, or vacations, you can open a club account designated for that purpose.
   - Open a 2011 Christmas Club with an Initial deposit of $5.00.
   For your convenience, sign up for direct deposit and have your Christmas Club deposited automatically each pay. 
   Call the Credit Union today for additional information.
3. IRA's.
4. Share draft (checking) accounts.

5. Certificate of deposit .85% (subject to change).

Open a Share Account for your Children

Now is the time to start saving for your childs future.  Enroll your child or children as a member of the credit union today.  When you enroll a child from newborn to age 6 months, the Credit Union will deposit $25 in the account.

Newly Married Special!

If you are newly married and your spouse joins within six months of your wedding, the credit union will depsit $25.00 into the account.

Rate Schedule

Dividends on Shares:

.15% APY up to $100,000.00
.25% APY up to $150,000.00
.50% APY over  $150,000.00

IRA Dividend .5%  APY 
CD Dividend .45% APY

APY = Annual Percentage Yield
* Interest Rates can change at any time. Call the Credit Union Office for current rate.

Certificates of Deposit (CD's) are available from the Credit Union in $1,000 increments and are issued for one year.  Call the Credit Union Office for additional information and the current rate. A penalty will be imposed for early withdrawal of certificates.  Your certificate automatically renews at maturity at the rate in effect on the date of maturity.  You have 10 days to redeem without a penalty.

 * NOTE: 1/2% Discount on below rates for all loans paid by Direct Deposit. (Does not include Visa.) Direct Deposit must remain in effect for the term of the loan. Call the Credit Union Office for additional info or to apply for any loan.

NEW VEHICLE LOAN RATES

4.85% Up to 48 Months
4.85% for 60 Months
4.85% for 72 Months
100% Financing (Retail Value) Excluding Taxes

USED VEHICLES LOAN RATES

4.85% Up to 60 Months
4.85% Up to 72 Months
95% of Retail Value on last 2 model years
90% of Retail Value for older vehicles
Retail Value of Used Vehicles per NADA Appraisal Guide

The above rates effective 01/14/09. Rates subject to change at anytime.
Call the Credit Union Office TODAY!! Lock in your New or Used Car Loan Rate!

APS Credit Union  Loans

Line of Credit
 Rate: 13.5%

48 Months maximum term. $10,000 Maximum.

Use the money from a Line-of-Credit Loan to payoff those High Rate Credit Cards

Maximum amount is based on 20% of Gross Income and credit qualifications.

Call the Credit Union Office for details and to apply.

Rates subject to change at anytime.

Contact the Credit Union Office for the current available rates.

8% Special Loan

Rate: 8% *

$5,000 Maximum

TERM: 36 Months

Monthly Payment: $160

* For those who qualify

Call the Credit Union Office for details and to apply!

Holiday Loan

Rate: 10%

$1,500 Maximum (less any outsanding balance on an existing Holiday Loan)

Term: 18 months

Share Secured Loans

Share certificate secured rate is 3.75% above rate being paid on share or share certificate.

Loans to Purchase:

• Vehicles
• Boats & Motors
• Furniture
• Other Durable Consumer Goods

Loans For:

• Automobile Repairs
• Educational Expenses
• Funeral Expenses
• Holiday Expenses
• Home Repairs
• Hospital Bills
• Insurance Premiums
• Medical & Dental Expenses
• Taxes
• Vacation Expenses
• Wedding Expenses
• Bill Consolidation

Call the Credit Union Office for details and to apply for any type of loan!

A Simple Card for a Complicated Life!

• 11.5% Fixed APR
• No Annual Fee
• 25 Day courtesy period

PROMOTIONAL RATES:

7.99 % on all new purchases and cash advances.

5.99 Balance transfers from another credit card.

PROMOTIONAL RATES APPLY UNTIL THAT PORTION OF THE BALANCE IS PAID IN FULL.
The Credit Union reserves the right to cancel promotional rates at anytime.

Call the Credit Union Office
for details and an application!
1-800-223-8919

Check your Credit Card Account Status On-Line at EZCARDINFO.COM

To Report Lost/Stolen VISA cards after hours telephone number:
1-800-991-4961
It is imperative that the Credit Union has up-to-date home, work and cell phone numbers at all times. If you are shopping on line, make sure you are on a secure website when entering card information.

Your APS VISA/Star Debit Card is part of the STAR© and VISA© Networks.

Use your card where you see the VISA or STAR logo

You can use your APS VISA/Star Debit Card to get cash and make purchases across the U.S. - wherever you see the the VISA or STAR brand.

New Card, More Options!!!

The card simply does more. Wherever you see the VISA or STAR logo, you can use your card like before - just swipe it and enter your PIN.

Quick, Easy Secure...

From ATM's and grocery stores to gas stations and discount chains, your APS VISA/Star Debit Card is a quick, easy and secure way to get cash and make purchases. And it travels well, too. Your APS VISA/STAR Debit Card is great for trips across town or across the country.

Coast-To-Coast Convenience...

You can use your APS VISA/Star Debit Card at more places; more states, more ATM's, more retail locations. Coast-to-Coast, you only have to look for the VISA or Star brand to get cash or make purchases.

For more information on the APS VISA/Star Card...

Contact the Credit Union Office to get your APS VISA/Star Debit Card and to get all the details on how the APS VISA/Star Debit Card can work for you!

Effective April 12, 2010

Share Account Fees:

 

Christmas Club Account Early Withdrawal..............$5.00 for any early withdrawal
(partial or whole)

Share Draft Account Fees:

NSF Fee.....................................................................................$35.00 per item
Returned Item Fee...................................................................$35.00 per item
Stop Payment Fee....................................................................$15.00 per item
Check Copy Fee........................................................................$15.00 per item
New Check Charges.........................................Prices vary depending upon style (first order of 50 free)

 

Other Service Fees (applicable to all accounts):

 

Account Reconciliation Fee.....................................................$10.00 per hour
Account Research Fee.............................................................$10.00 per hour
Wire Transfer Fee (outgoing)................................................$30.00 per transfer
Inactive Account Fee......................$12.00 per year, after 12 months of inactivity
and balance is less than $100.00

 

ATM/Debit Card Fees:

 

ATM/Debit Card Fee...........................................$1.00 per month (per account)
Card Replacement Fee.............................................................$10.00 per card

The rates and fees appearing in this Schedule are accurate and effective for deposit accounts as of the Effective Date indicated on the Rate and Fee Schedule. If you have any questions or require current rate and fee information on you accounts, please call the Credit Union Office