| Loan Products | Maximum Term | Annual Percentage Rate As Low As |
|---|---|---|
| New/Used Auto & Motorcycle 2014-2025 Don’t forget that we may meet or beat your current auto loan rate with other financial institutions | 48 months 60 months 72 months 84 months | 5.74%* 6.24%* 6.49%* 7.24%* |
| Older Auto Loans 2009-2013 | 48 months | 7.74%* |
| Connect Rewards Mastercard Credit Card | Revolving | 13.40%* |
| Connect Rewards Plus Mastercard Credit Card | Revolving | 11.40%* |
| Personal Loan | 72 months | 7.25%* |
| Overdraft Line of Credit | Revolving | 9.95%* |
| Savings-Secured Loan | 120 months | Highest Dividend Rate + 3.00% |
| Certificate-Secured Loan | Certificate Maturity Date | Certificate rate +3.00% |
| Home Equity Line of Credit | 180 months | Variable rate as low as Prime + 0.50%** |
| First Mortgages | 30 years | Call for more info |
*APR-Annual Percentage Rate. Rates effective as of 11/01/2024. Rate may include include Auto Pay, Active Checking, AND/OR Fully Protected discounts. Discounts not available on all loan products. Variable rates subject to increase or decrease. The rate may vary depending on each individual’s credit history and underwriting factors. Programs, rates, terms, and conditions are subject to change without notice. Auto loan floor rate is 5.74%APR.
**The rate is the U.S. prime rate published in the Money Rates Table of the Wall Street Journal plus a margin up to 3.50%. Prime is a variable rate; as it changes, the APR and monthly payment on your account will also change on the first day of the quarter following the month in which the prime rate change occurs with a maximum 2.00% increase or decrease per one-year period. Maximum APR for Home Equity Lines of Credit (HELOC) is 15.00%. Floor rate on this loan is 4.50% APR. HELOCs are available only in the state of North Carolina. If an appraisal is deemed necessary, a third-party appraisal fee of approximately $400-$600 may be collected at that time and is non-refundable if the borrower does not close their home equity loan with Acclaim. Cost may vary based on type of appraisal. A HELOC is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate on a permanent foundation. This type of credit is not available for singlewide manufactured homes or cooperatives.
