Current Rates

All Rates Effective: December 1, 2013 

Loan Rates

AUTO & RECREATIONAL LOANS

Loan TypeTermAPR*
New Autos 24 Mth. up to 72 Mth. 2.85%-17.90%
Used Autos 24 Mth. up to 72 Mth.  2.85%-17.90%
New & Used Recreational Vehicles 24 Mth. up to 72 Mth.  2.85%-17.90%
New & Used Boats Over $40,000.00 up to 120 Mth.  2.85%-17.90%
New & Used Boats Under $40,000 up to 72 Mth.  2.85%-17.90%
Travel Trailers Over $40,000.00 up to 120 Mth. 2.85%-17.90%
Motorhomes New & Used up to 144 Mth. 2.85%-17.90%

* Membership eligibility required.  Annual Percentage Rate on new vehicles range from 2.85% APR to 17.9% APR.  Loan example, on a $20,000 new vehicle loan at 2.85% APR, you would make 72 monthly payments of $302.53 for a Total of Payments of $21,782.16.  Not every member will qualify for the lowest rate and or longest term. Rates subject to change.  Some restrictions apply.  Limited Time Offer.  Federally insured by NCUA.  

Auto Loans  Apply Now                    Recreational Loans  Apply Now

PERSONAL LOANS

Term APR*
Personal Loans up to 48 Months   9.9%-17.9%

* Membership eligibility required.  Annual Percentage Rate on personal loans range from 9.9% APR to 17.9% APR.  Loan example, on a $20,000 personal loan at 9.9% APR, you would make 60 monthly payments of $423.96 for a Total of Payments of $25,435.74.  Not every member will qualify for the lowest rate and or longest term. Rates subject to change.  Some restrictions apply.  Limited Time Offer.  Federally insured by NCUA.  

Apply Now  

MORTGAGE LOANS

Loan Type TermAPR*
Mortgage Loans (1st and 2nd) Up to 30 Years. Call for our latest rates.*

ANECA is an equal housing lender.  Rates and terms are based on evaluation of each member's credit history, loan-to-value, occupancy, payment type, loan amount and loan purpose, so your rate and terms may differ.  All loans are subject to credit approval.

Call (318) 698-6000 or (877) ANECA-4-U and ask to speak to our Mortgage Department.  Nationwide Mortgage Licensing System (NMLS) Numbers:  ANECA 403632 and Cheryl Gordon 768649.

Apply Now 

VISA PLATINUM / VISA SECURED CREDIT CARDS:

Term APR*
VISA Platinum Credit Card    9.9%, 12.9%, 15.9% APR*
VISA Secured Credit Card   9.9% APR*

*APR = Annual Percentage Rate.  Some restrictions apply.  Membership & approved credit required.  Limited time offer.  The APR* for which you may qualify is based on your credit worthiness.  Minimum monthly payment for all credit card type is 2% of the outstanding balance or $20, whichever is greater. 

To see the terms for the VISA Platinum / VISA Secured Credit Card, Click Here.

Apply Now  

Deposit Rates

CHECKING ACCOUNTS

Account Type Dividend RatesAPY*
Basic Checking (Draft)** 0.05% 0.05%

*APY= Annual Percentage Yield.  This rate may change after the account is opened, and depends on that month's dividend rates.  Fees could reduce earnings on the account.  

  Open Account Now 

MONEY MARKET ACCOUNTS**

Balance RangeDividend RatesAPY*
Money Market - $0-$2,499.99 0.00% 0.00%
Money Market - $2,500.00 - $9,999.99 0.15% 0.15%
Money Market - $10,000.00 - $24,999.99 0.20% 0.20%
Money Market - $25,000.00 - $49,999.99 0.25% 0.25%
Money Market - $50,000.00 and above 0.35% 0.35%

*APY= Annual Percentage Yield.  This rate may change after the account is opened, and depends on that month's dividend rates.  Fees could reduce earnings on the account.  

 Open Account Now

SAVINGS ACCOUNTS

Account Type Dividend RatesAPY*
Savings (Share)* 0.15% 0.15%
Holiday Club Account* ** 1.50% 1.50%

*APY= Annual Percentage Yield.  This rate may change after the account is opened, and depends on that month's dividend rates.  Fees could reduce earnings on the account.  

**Holiday Savings Account Earn 1.50% Dividend Rate or 1.50% APY on Balances $0.01 - $4,999.99.  Balances $5,000 or Higher Earn .01% Dividend Rate or .01% APY.  APY = Annual Percentage Yield. 

   Open Account Now

 SHARE CERTIFICATES

TermDividend RatesAPY*
Share Certificates - 6 Month 0.35% 0.35%
Share Certificates - 1 Year 0.55% 0.55%
Share Certificates - 2 Year 0.75% 0.75%
Share Certificates - 3 Year 0.90% 0.90%
Share Certificates - 4 Year 1.00% 1.00%
Share Certificates - 5 Year 1.19% 1.20%

*APY = Annual Percentage Yield.  Minimum opening deposit for share certificate is $1000.00.  A penalty will be charged for early withdrawal.

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INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

TermDividend RatesAPY*
IRA - Variable** 0.35% 0.35%
IRA - 1 Year 0.65% 0.65%
IRA - 2 Year 0.85% 0.85%
IRA - 3 Year 1.00% 1.00%
IRA - 4 Year 1.09% 1.10%
IRA - 5 Year 1.29% 1.30%

*APY= Annual Percentage Yield.  A penalty will be charged for early withdrawal  

  Open Account Now

Contact ANECA for complete details. All quoted terms and rates are subject to approval and offered to qualified members and potential members only. Terms and rates will vary, depending on collateral and creditworthiness.

All Rates are subject to change daily - call for the most current rates.