Rates

Loan Rates are accurate as of: September 1, 2020

Contact your local AODFCU office 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.

Auto Loan Rates

Loans APR* Term
New Never Title (2020) as low as 1.79% 36*
New Never Titled (2020) as low as 1.99% 48*
New Never Titled (2020) as low as 2.19% 63*
New Never Titled (2020) as low as 2.49% 75*
New Never Titled (2020) as low as 5.49% 84*
Used Previously Titled (2017-2020) as low as 1.99% 36*
Used Previously Titled (2017-2020) as low as 2.19% 48*
Used Previously Titled (2017-2020) as low as 2.39% 63*
Used Previously Titled (2017-2020) as low as 2.69% 75*
Used Previously Titled (2017-2020) as low as 5.69% 84*
Used Previously Titled (2016) as low as 2.74% 63*
Used Previously Titled (2015) as low as 4.19% 48*
For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates

Recreational Vehicles & Farm Equipment Loan Rates

Loans APR* Term
New Never Purchased (2017 & Newer Year Models) as low as 3.75% 63*
Used Previously Owned (2016 & Older Models) as low as 4.50% 63*
For different term lengths, call (256) 237-9494 or (800) 637-0299 for current rates

Other Loan Rates

LoansAPR*Term
Signature Loansas low as 7.74%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 TypeDividend RateAPY*
Primary Share Savings0.2500.250%
Secondary Share Savings0.2500.250%
Kid’s Club Savings0.2500.250%
Christmas Club Savings0.2500.250%
IRA Clubs ($100 minimum deposit for Traditional, Roth, or Coverdell ESA)0.2500.250%
Plus Checking ($500 minimum balance to earn dividends)0.1500.150%

*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. Rates are accurate as of: September 1, 2020.

Certificate Rates

Certificate rates subject to change without notice:

Account TypeDividend RateDividend FrequencyAPY*Minimum DepositTerm
6 Month Certificate0.250%Monthly0.250%$5006
12 Month Certificate0.499%Monthly0.500%$50012
18 Month Certificate**0.498%Monthly0.500%$1,00018
24 Month Certificate0.747%Monthly0.750%$1,00024
36 Month Certificate0.847%Monthly0.850%$1,00036
48 Month Certificate***0.946%Monthly0.950%$1,00048
60 Month Certificate***1.094%Monthly1.100%$1,00060
18 Month IRA Certificate0.498%Monthly0.500%$2,00018
36 Month IRA Certificate0.847%Monthly0.850%$2,00036
48 Month IRA Certificate0.946%Monthly0.950%$2,00048
60 Month IRA Certificate1.094%Monthly1.100%$2,00060

*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. Rates are accurate as of: September 1, 2020.

***Annual Percentage Yield (APY) with minimum required balance of $1,000. Rate effective as of September 1, 2020. 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.

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Drop-in and visit to open an account today.

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