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Rates

Loan Rates as of: 

June 1, 2022

Contact your local AODFCU Branch today for more information!

Did you know AODFCU offers 24/7 Loan Applications by phone?! Call 800-637-0299 24/7. Fast Approval. Easy Application.

Contact your local AODFCU Branch at (256) 237-9494 or call (800) 637-0299 for more information about applicable rates and terms.

Did you know AODFCU offers 24/7 Loan Applications by phone?! Call 800-637-0299 24/7. Fast Approval. Easy Application.

Click below to review the rates!

Auto Loan Rates

LoansAPR*Term
New Never Titled (2021-2022)as low as 3.75%
36*
New Never Titled (2021-2022)as low as 4.00%48*
New Never Titled (2021-2022)as low as 4.25%63*
New Never Titled (2021-2022)as low as 4.50%75*
New Never Titled (2021-2022)as low as 7.75%84*
Used Previously Titled (2018-2020)as low as 4.00%
36*
Used Previously Titled (2018-2020)as low as 4.25%48*
Used Previously Titled (2018-2020)as low as 4.50%63*
Used Previously Titled (2018-2020)as low as 4.75%75*
Used Previously Titled (2018-2020)as low as 8.00%84*
Used Previously Titled (2017)as low as 5.00%63*
Used Previously Titled (2014-2016)as low as 6.00%48*
Used Previously Titled (2013 & Older)as low as 9.00%36*
For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates

Kasasa Loan Rates

LoansAPR*Term
Kasasa Auto Loan Rates
New Never Titled (2021-2022)as low as 4.75%36*
New Never Titled (2021-2022)as low as 5.00%48*
New Never Titled (2021-2022)as low as 5.25%63*
New Never Titled (2021-2022)as low as 5.50%75*
New Never Titled (2021-2022)as low as 8.75%84*
Used Previously Titled (2018-2020)as low as 5.00%36*
Used Previously Titled (2018-2020)as low as 5.25%48*
Used Previously Titled (2018-2020)as low as 5.50%63*
Used Previously Titled (2018-2020)as low as 5.75%75*
Used Previously Titled (2018-2020)as low as 9.00%84*
Used Previously Titled (2017)as low as 6.00%63*
Used Previously Titled (2014-2016)as low as 7.00%48*
Used Previously Titled (2013 & Older)as low as 10.00%36*
For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
Kasasa Personal Loan Rates
Signature Loansas low as 10.95%36*

Recreational Vehicles & Farm Equipment Loan Rates

LoansAPR*Term
Newas low as 5.50%36*
2018 or Newer (RV’s & Farm Equipment Only)as low as 5.75%37-48*
2018 or Newer (Recreational Vehicle)as low as 6.00%49-63*
2018 or Newer (Farm Equipment)as low as 6.50%64-84*
2018 or Newer (RV’s & Farm Equipment) (Minimum $50,000)as low as 8.50%85-120*
2017 or Olderas low as 6.00%36*
2017 or Older (RV’s & Farm Equipment Only)as low as 6.25%37-48*
2017 or Older (RV’s)as low as 6.50%49-63*
2017 or Older (Farm Equipment)as low as 6.75%64-84*

For different term lengths not listed, call (256) 237-9494 or (800) 637-0299 for current rates. 

*APR – Annual Percentage Rate. All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.

Note: The maximum term for motorcycle, jet ski, and farm equipment is 75 months. The maximum advance for new boat, motorcycle, jet ski is 110% MSRP. The maximum advance for used boat, motorcycle, jet ski is 110% NADA retail. The maximum advance for all farm equipment is 80% of purchase price for used and 100% for new. 
Go To Loan Application | Go To Calculators

Other Loan Rates

LoansAPR*Term
Signature Loansas low as 9.95%36*
VISA Platinum Cardas low as 8.49%n/a
Share Secured Visa Platinum Cardas low as 7.20%n/a
For Share or Share Certificate Loans, call for information
Call AOD for Today’s Current Mortgage Rates!  

Savings, Clubs, & Checking Rates

Savings rates subject to change without notice after account is opened:

Account Type Dividend Rate APY*
Primary Share Savings 0.250 0.250%
Secondary Share Savings 0.150 0.150%
Kid’s Club Savings 0.150 0.150%
Christmas Club Savings 0.150 0.150%
IRA Clubs ($100 minimum deposit for Traditional, Roth, or Coverdell ESA) 0.150 0.150%
Plus Checking ($500 minimum balance to earn dividends) 0.150 0.150%

*APY – Annual Percentage Yield

You will receive a comprehensive periodic statement listing the APY, amount of dividends paid on the account, fees imposed (itemized by type and dollar amount), the balance and all transactions on your account.

The APY is based on the assumption that a $25 minimum balance and other requirements will be met. Your statement will show the actual APY. This may be different from the APY if the actual conditions are different from the above assumptions. The above rate may change after the account is opened. Fees incurred could reduce the earnings on the account. Please check your Member Services Agreement Booklet for additional terms and conditions. 

Loan Rates are accurate as of: April 1, 2022

June 1, 2022

Certificate Rates

Certificate rates subject to change without notice:

Account TypeDividend RateDividend FrequencyAPY*Minimum DepositTerm
6 Month Certificate 0.100% Monthly0.100% $500 6
12 Month Certificate 0.120% Monthly 0.120% $500 12
18 Month Certificate** 0.120% Monthly 0.120% $1,000 18
24 Month Certificate 0.230% Monthly 0.230% $1,000 24
36 Month Certificate 0.389% Monthly 0.390%$1,000 36
48 Month Certificate*** 0.459% Monthly 0.460% $1,000 48
60 Month Certificate*** 0.489% Monthly 0.490%$1,000 60
18 Month IRA Certificate 0.120% Monthly 0.120% $2,000 18
36 Month IRA Certificate 0.389% Monthly 0.390% $2,000 36
48 Month IRA Certificate 0.459% Monthly 0.460% $2,000 48
60 Month IRA Certificate 0.489% Monthly 0.490% $2,000 60

Certificate rates subject to change without notice:

Account Type Dividend Rate Dividend Frequency APY* Minimum Deposit Term
6 Month Certificate 0.100% Monthly 0.100% $500 6
12 Month Certificate 0.120% Monthly 0.120% $500 12
18 Month Certificate** 0.120% Monthly 0.120% $1,000 18
24 Month Certificate 0.230% Monthly 0.230% $1,000 24
36 Month Certificate 0.389% Monthly 0.390% $1,000 36
48 Month Certificate*** 0.459% Monthly 0.460% $1,000 48
60 Month Certificate*** 0.489% Monthly 0.490% $1,000 60
18 Month IRA Certificate 0.120% Monthly 0.120% $2,000 18
36 Month IRA Certificate 0.389% Monthly 0.390% $2,000 36
48 Month IRA Certificate 0.459% Monthly 0.460% $2,000 48
60 Month IRA Certificate 0.489% Monthly 0.490% $2,000 60

*APY – Annual Percentage Yield

**Renewal Rate only, no new 18 month Certificates. You will receive a comprehensive periodic statement listing the APY, amount of dividends paid on the account, fees imposed (itemized by type and dollar amount), the balance and all transactions on your account. The APY is based on the assumption that minimum balance and other requirements will be met. Your statement will show the actual APY. This may be different from the APY if the actual conditions are different from the above assumptions. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. A penalty will be imposed for early withdrawal. Please check your Member Services Agreement Booklet for additional terms and conditions.

***Annual Percentage Yield (APY) with minimum required balance of $1,000. Early withdrawal penalties apply and may reduce earnings. Upon maturity, the term share certificate will automatically renew for the same term at the rate in effect at the time of renewal unless you instruct us otherwise. Membership required.

Rates are accurate and effective as of: 

June 1, 2022

Auto Loan Rates

Loans APR* Term
New Never Titled (2021-2022) as low as 2.04% 36*
New Never Titled (2021-2022) as low as 2.24% 48*
New Never Titled (2021-2022) as low as 2.44% 63*
New Never Titled (2021-2022) as low as 2.74% 75*
New Never Titled (2021-2022) as low as 5.74% 84*
Used Previously Titled (2018-2020) as low as 2.24% 36*
Used Previously Titled (2018-2020) as low as 2.44% 48*
Used Previously Titled (2018-2020) as low as 2.64% 63*
Used Previously Titled (2018-2020) as low as 2.94% 75*
Used Previously Titled (2018-2020) as low as 5.94% 84*
Used Previously Titled (2017) as low as 2.99% 63*
Used Previously Titled (2014-2016) as low as 4.44% 48*
Used Previously Titled (2013 & Older) as low as 7.24% 36*
For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates

Kasasa Loan Rates

LoansAPR*Term
Kasasa Auto Loan Rates
New Never Titled (2021-2022)as low as 3.04%36*
New Never Titled (2021-2022)as low as 3.24%48*
New Never Titled (2021-2022)as low as 3.44%63*
New Never Titled (2021-2022)as low as 3.74%75*
New Never Titled (2021-2022)as low as 6.74%84*
Used Previously Titled (2018-2020)as low as 3.24%36*
Used Previously Titled (2018-2020)as low as 3.44%48*
Used Previously Titled (2018-2020)as low as 3.64%63*
Used Previously Titled (2018-2020)as low as 3.94%75*
Used Previously Titled (2018-2020)as low as 6.94%84*
Used Previously Titled (2017)as low as 3.99%63*
Used Previously Titled (2014-2016)as low as 5.44%48*
Used Previously Titled (2013 & Older)as low as 8.24%36*
For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
Kasasa Personal Loan Rates
Signature Loansas low as 8.99%36*

Recreational Vehicles & Farm Equipment Loan Rates

LoansAPR*Term
2018 or Neweras low as 3.54%36*
2018 or Neweras low as 3.64%37-48*
2018 or Neweras low as 4.00%49-63*
2018 or Neweras low as 4.74%64-75*
2018 or Newer (Minimum $50,000)as low as 5.50%85-120*
2017 or Olderas low as 3.74%36*
2017 or Older (RV’s & Farm Equipment Only)as low as 4.00%37-48*
2017 or Older (RV’s & Farm Equipment Only)as low as 4.75%49-63*
2017 or Older (RV’s Only)as low as 5.50%64-84*

For different term lengths not listed, call (256) 237-9494 or (800) 637-0299 for current rates. 

*APR – Annual Percentage Rate. All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.

Other Loan Rates

LoansAPR*Term
Signature Loansas low as 7.99%36*
VISA Platinum Cardas low as 8.49%n/a
VISA Signature Cardas low as 7.49%n/a
Share Secured Visa Platinum Cardas low as 7.20%n/a
For Share or Share Certificate Loans, call for information
Call AOD for Today’s Current Mortgage Rates!  

Note: The maximum term for motorcycle, jet ski, and farm equipment is 75 months. The maximum advance for new boat, motorcycle, jet ski is 110% MSRP. The maximum advance for used boat, motorcycle, jet ski is 110% NADA retail. The maximum advance for all farm equipment is 80% of purchase price for used and 100% for new.

Go To Loan Application | Go To Calculators

Savings, Clubs, & Checking Rates

Savings rates subject to change without notice after account is opened:

Account Type Dividend Rate APY*
Primary Share Savings 0.250 0.250%
Secondary Share Savings 0.150 0.150%
Kid’s Club Savings 0.150 0.150%
Christmas Club Savings 0.150 0.150%
IRA Clubs ($100 minimum deposit for Traditional, Roth, or Coverdell ESA) 0.150 0.150%
Plus Checking ($500 minimum balance to earn dividends) 0.150 0.150%

*APY – Annual Percentage Yield

You will receive a comprehensive periodic statement listing the APY, amount of dividends paid on the account, fees imposed (itemized by type and dollar amount), the balance and all transactions on your account.

The APY is based on the assumption that a $25 minimum balance and other requirements will be met. Your statement will show the actual APY. This may be different from the APY if the actual conditions are different from the above assumptions. The above rate may change after the account is opened. Fees incurred could reduce the earnings on the account. Please check your Member Services Agreement Booklet for additional terms and conditions. 

Loan Rates are accurate as of: April 1, 2022

June 1, 2022

Certificate Rates

Certificate rates subject to change without notice:

Account Type Dividend Rate Dividend Frequency APY* Minimum Deposit Term
6 Month Certificate 0.100% Monthly 0.100% $500 6
12 Month Certificate 0.120% Monthly 0.120% $500 12
18 Month Certificate** 0.120% Monthly 0.120% $1,000 18
24 Month Certificate 0.230% Monthly 0.230% $1,000 24
36 Month Certificate 0.389% Monthly 0.390% $1,000 36
48 Month Certificate*** 0.459% Monthly 0.460% $1,000 48
60 Month Certificate*** 0.489% Monthly 0.490% $1,000 60
18 Month IRA Certificate 0.120% Monthly 0.120% $2,000 18
36 Month IRA Certificate 0.389% Monthly 0.390% $2,000 36
48 Month IRA Certificate 0.459% Monthly 0.460% $2,000 48
60 Month IRA Certificate 0.489% Monthly 0.490% $2,000 60

*APY – Annual Percentage Yield

**Renewal Rate only, no new 18 month Certificates. You will receive a comprehensive periodic statement listing the APY, amount of dividends paid on the account, fees imposed (itemized by type and dollar amount), the balance and all transactions on your account. The APY is based on the assumption that minimum balance and other requirements will be met. Your statement will show the actual APY. This may be different from the APY if the actual conditions are different from the above assumptions. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. A penalty will be imposed for early withdrawal. Please check your Member Services Agreement Booklet for additional terms and conditions.

***Annual Percentage Yield (APY) with minimum required balance of $1,000. Early withdrawal penalties apply and may reduce earnings. Upon maturity, the term share certificate will automatically renew for the same term at the rate in effect at the time of renewal unless you instruct us otherwise. Membership required.

Rates are accurate and effective as of: March 23, 2022

June 1, 2022

24/7. Fast Approval. Easy Application.

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Have questions? Simply contact us – we’re always happy to help!