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 Rates
  • New Auto Loans 1.99% APR*
  • Used Auto Loans 2.99% APR*
  • Personal Loans 10.50% APR*
  • Mortgage – 30 Yr Daily Rates
  • HELOC 4.00% APR*
  • Home Equity Fixed 6.25% APR*
  • 12-Month CD .40% APR*
  • 24-Month CD .60% APR*
*as low as
APR=Annual Percentage Rate

Loan Rates Savings Rates
Account Switch Kit

We've made switching your accounts to ADPFCU easy with our convenient switch kit.

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Loan Rates

Savings Rates

Effective July 1, 2016
Rates subject to change without prior notice.
APR = Annual Percentage Rate.

Click here for Rates For Our Green Loans Solutions

New Auto, Motorcycle or Boat

APR AMOUNT TERM COLLATERAL****

AS LOW AS
3.74% APR*

**WE WILL 
MEET OR 
BEAT ANY 
REASONABLE
DEALER 
FINANCING!

Up to 100% financing for qualified borrowers.

 

Up to 72 months 
(For 60 to 72 months, value >=$20,000.00)

New Auto/Motorcycle Special
1.99% APR**
Terms up to 48 months; Payment from an ADPFCU account

Signature, original title to vehicle listing ADPFCU as the lienholder, collision, comprehensive, fire and theft auto insurance listing ADPFCU as loss payee with maximum deductible of $500.

*APR=Annual Percentage Rate. Rate and term subject to change without notice. Offer does not apply to vehicles currently financed with ADPFCU. Rate quoted is lowest rate for qualified applicants. Maximum loan amount based on N.A.D.A. value.  Loan terms up to 60 months only. 
**APR=Annual Percentage Rate. Special rate for qualified borrowers up to 48 months with payment from an ADPFCU account.  Loan special rate and term subject to change without notice. Offer does not apply to vehicles currently financed with ADPFCU.   Boat loans are not included for special rates.

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Used Auto or Motorcycle

APR AMOUNT TERM COLLATERAL****
AS LOW AS 4.24% APR* 

Up to 100% of NADA retail value, or purchase price, whichever is less - for qualified borrowers.

Up to 60 months 
(For 60 to 72 months, value >=$20,000.00)

Used Auto/Motorcycle Special 2.99% APR** Terms up to 48 months; Payment from an ADPFCU account

Signature, original title to vehicle listing ADPFCU as the lienholder, collision, comprehensive, fire and theft auto insurance listing ADPFCU as loss payee with maximum deductible of $500.

*APR=Annual Percentage Rate. Rate and term subject to change without notice. Offer does not apply to vehicles currently financed with ADPFCU. Rate quoted is lowest rate for qualified applicants. Maximum loan amount based on N.A.D.A. value.  Loan terms up to 60 months only. 
**APR=Annual Percentage Rate. Special rate for qualified borrowers up to 48 months with payment from an ADPFCU account.  Loan special rate and term subject to change without notice. Offer does not apply to vehicles currently financed with ADPFCU.

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Credit Cards

CARD TYPE APR* FOR PURCHASES AND BALANCE TRANSFERS
Classic 11.99%
Platinum 10.99%
Secured 15.00%
  APR* FOR CASH ADVANCES AND STATEMENT CHECKS
Classic 14.99%
Platinum 13.99%
Secured 15.00%

Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

*APR=Annual Percentage Rate. 

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Fully Secured

APR AMOUNT TERM COLLATERAL****
3.00% above ADPFCU Share Rate  $500 + up Up to 84 Months 
($50 minimum monthly payment)
Signature & 100% pledge (100% of loan amount must be in shares before loan is opened)

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Certificate Secured

APR AMOUNT TERM COLLATERAL****
3.00% above 
ADPFCU Certificate Rate
Up To ADPFCU Certificate Amount Not to exceed maturity date Signature and ADPFCU term share certificate pledge.

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Stock Secured

APR AMOUNT TERM COLLATERAL****
AS LOW AS 6.50% Up to 80% of face value of ADP stock Up to 84 Months ($50 minimum monthly payment) Signature, original stock certificate, stock power form, W-9 form and G-3 form.

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Personal

APR AMOUNT
TERM
COLLATERAL****
AS LOW AS 10.50% $500-$5000 Up to 48 Months Signature
Minimum Loan Amount is $500.

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Overdraft Line of Credit

APR AMOUNT COLLATERAL****
14.00% Up to $2,500.00 for qualified borrowers.  Signature

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Fixed Rate Home Equity Loan (1st Lien Position Only)

APR TERM
Contact us for current rate 3-10 Years
Contact us for current rate 11-15 Years

Apply Now

NOTE:  There is a fee of $375 in the following states which require an attorney at closing:  DE, GA, MA, SC, WV.  The credit union does not offer home equity products in the state of Texas. 

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Fixed Rate Home Equity Loan

APR TERM
6.250% 10 Years
6.500% 15 Years

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NOTE:  There is a fee of $375 in the following states which require an attorney at closing:  DE, GA, MA, SC, WV.  The credit union does not offer home equity products in the state of Texas. 

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Mini-Mortgage Loan

APR TERM
6.125% 5 Years

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NOTE:  There is a fee of $375 in the following states which require an attorney at closing:  DE, GA, MA, SC, WV.  The credit union does not offer home equity products in the state of Texas. 

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Home Equity Line Of Credit Loan

APR  
Variable Rate; At Prime Rate varies quarterly based on Prime; Floor of 4.00%

Apply Now

NOTE:  There is a fee of $375 in the following states which require an attorney at closing:  DE, GA, MA, SC, WV.  The credit union does not offer home equity products in the state of Texas. 

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NCUA Insured
NCUA

Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

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