Ready for a Lower Rate?

We appreciate our loyal members, which means we want to reward them for their commitment to AFFCU, and their investment in the credit union as a member-owner. That’s why we offer our rewards program.

Each of the items below lets you earn points towards a rate reduction. You can combine them for a maximum of 50 basis points reduced from your loan¹.

Here’s How it Works

• Current or new members who have an open checking account with a positive balance as of the date of the loan AND has direct deposit going into that checking, money market or savings account qualifies for a – 10 basis points rate reduction reward.

• Current or new members who have 3 or more loans with AFFCU (including the new loan) qualify for a – 15 basis points rate reduction reward.
• Rewards pricing discounts may include the following:
  • Credit Life – 10 basis points
  • Credit Disability – 15 basis points
  • Guaranteed Asset Protection (GAP) – 10 basis points
  • Mechanical Breakdown Protection – 15 basis points
  • New vehicle financed below 80% Loan to Value – 50 basis points
• Active Duty OR Department of Defense personnel assigned to all components controlled by Joint Base San Antonio, Laughlin AFB in Del Rio, TX or Columbus AFB in Columbus, MS – 10 basis points rate reduction reward.

Apply today!

¹ Loan products that are not eligible for the rate reduction program are: Credit Card, Home Improvement, Home Equity, First Mortgage, Max Mortgage ARM, Purchase Money Second, Share Secured, Share Certificate Secured, and Line of Credit.

Bonus Reward

Get better rates on your share certificates today and do it the easy way.
It’s simple—the more services you have with AFFCU, the better your rate will be.

Each of the items below lets you earn points on top of your rate. You can combine them for a maximum of 20 basis points added to your share certificate¹.

Here’s How it Works

• If you have an AFFCU loan AND either a checking or money market account with direct deposit – 20 basis point bonus reward².

• If you have an AFFCU loan OR either a checking or money market account with direct deposit – 10 basis point bonus reward².

• Active Duty OR Department of Defense personnel assigned to all components controlled by Joint Base San Antonio, Laughlin AFB in Del Rio, TX or Columbus AFB in Columbus, MS – 10 basis points rate bonus reward².

So take advantage of your AFFCU membership now. Get better share certificate rates and earnings today!

Open your account and start earning money!

¹ Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. Other restrictions may apply.

² Only applied at the time of opening the certificate.