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Hours of Operation
Monday thru Friday
7:45 a.m. - 4:15 p.m.
Lobby Hours
7:45 a.m. - 4:15 p.m.

340 TechnaCenter Drive
Montgomery. AL 36117

Mailing Address:
PO Box 240547
Montgomery, AL 36124

Phone: (334) 215-7328
Toll Free: (800) 381-7328
Fax: (334) 215-7946

Loan Rates
Effective February 9, 2015


AUTOMOBILES
New/Used As Low As
Up to 84 Months 2.99% APR*
MOTORCYCLES
New/Used As Low As
Up to 84 Months 5.25% APR*

BOATS
New/Used As Low As
Up to 84 Months 5.00% APR*

ATVs
New/Used As Low As
Up to 60 Months 5.50% APR*
FARM EQUIPMENT
New/Used As Low As
Up to 84 Months 7.25% APR*
RV’S – MOTORIZED AND NON-MOTORIZED
New/Used As Low As
Up to 120 Months 6.95% APR*
*Annual Percentage Rate
Unsecured Signature Loans
Up to $25,000

9.00% APR*

Loan to Value percentages are based on 100% of retail value or purchase price, whichever is lower.
When financing RV’s and Boats, ARECU must have photos before the loan can be made.

Rates are subject to change without notice.
Available to qualified members, title and UCC fees will be charged when applicable.

*Annual Percentage Rates (APR)
APR may be higher based on past and present credit performance.
THE “PREFERRED MEMBER” STATUS APPLIES TO THESE RATES

Deposit Rates
Effective: January 1, 2015


SMALL SAVER CERTIFICATES (Minimum Deposit $1,000)
6 Months 0.45%*
0.45% APY
12 Months 0.55%* 0.55% APY
18 Months 0.65%*
0.65% APY
30 Months 0.75%* 0.75% APY
ONE TIME BUMP UP CERTIFICATE (Minimum Deposit of $5,000)
18 Months 0.70%*
0.70% APY
30 Months

0.80%*

0.80% APY
JUMBO SAVER CERTIFICATES (Minimum Deposit of $50,000)
6 Months 0.50%*
0.50% APY
12 Months 0.60%* 0.60% APY
18 Months 0.75%*
0.75% APY
30 Months 0.85%* 0.85% APY
SUPER SAVER ACCOUNTS (Minimum Deposit of $2,500)
0.40%* 0.40% APY
CLUB IRA
0.85%* 0.85% APY
30 MONTH IRA CERTIFICATE
1.00%* 1.00% APY
SHARE DRAFT
$0.01 – $500.00 0.00% 0.00% APY
$500.01+ 0.00%* 0.00% APY
REGULAR SHARES
0.10%* 0.10% APY
CHRISTMAS CLUBS
0.25%* 0.25% APY
VACATION CLUBS
0.10%* 0.10% APY

*APY = Annual Percentage Yield
Checking, Savings, and Money Market Accounts are variable and the rate may change after the account is opened without notice.
Fees may reduce earnings on Share Accounts.
All Certificates require a $500 Minimum Balance unless otherwise stated and may incur a penalty for early withdrawal.
Your Savings Federally insured to at least $250,000 and backed by the faith in credit of the United
States Government by the National Credit Union Administration, a U.S. Government Agency

Phone: (334) 215-7328 | Toll Free: (800) 381-7328 | Fax: (334) 215-7946
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency
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