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Membership

ATI Employees and immediate family (spouse, children, grandchildren, parents, brothers, sisters, and grandparents) are eligible for membership. Once a member of Allvac Savings and Credit Union always a member, even if employment has terminated at ATI, as long as there is a balance kept in the savings account of $5.00.

Member-Owned

Not-for-Profit

People Helping People

A savings account is the heartbeat of every credit union member. It represents your personal ownership in Allvac Savings & Credit Union. With an initial deposit you will begin to enjoy all the excellent benefits the credit union has to offer!

Allvac Savings & Credit Union offers competitive loan rates that rival traditional bank! Finance your next vehicle or other borrowing need with a great rate and flexible terms.

ACCOUNTS

The heartbeat of your credit union membership

With an initial deposit you will begin to enjoy all the excellent benefits the credit union has to offer!

Savings

  • Open with $5.00
  • Dividends payable after $100 balance
  • Two withdrawals a month free

Checking

  • ATM/debit card available
  • $4.00 monthly fee
  • No minimum monthly balance

Certificates of Deposit

Jumbo Certificate at 2.5%

  • Minimum deposit of $100.00

Christmas Club

  • Can be started at anytime
  • Earns same dividend as regular share accounts
  • Checks will automatically cut November 1st

Explore our deposit rates!

Current Deposit Rates

SHARE RATES – Minimum balance Is $5.00
Effective as of 1/1/19 APY*
$100 – $4,999.99 0.13%
$5,000 – $19,999.99 0.18%
$20,000 – $49,999.99 0.23%
$50,000 & Above 0.33%
*APY is the Annual Percentage Yield.

Fee Schedule

  • NSF Fee – $30.00 per item
  • Atm NSF Fee – $30.00 per item
  • Ach NSF Fee – $30.00 per item
  • Stop Payment Fee – $10.00 per item
  • Share Draft Service Fee – $4.00 per month

Other Service Fees

  • Account Reconciliation Fee – $10.00 per hr

Christmas Club Accounts – Earn same dividend as regular shares

  • Early Withdrawal Fee of $10.00

New and Used Auto

Recreational Vehicles (New)

Boats (New)

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Shared Secured

Unsecured (Personal)

Loans

Flexible terms, better rates

Allvac Savings & Credit Union loans are among the most competitive loans available.

Explore our loan rates!

AUTO LOANS
New (12,000 Miles or Under) Term Rate
New Auto 4 Years 3.0%
New Auto 5 Years 3.5%
New Auto 6 Years 4.0%
Used (90% of NADA Retail) Term Rate
Used Auto 36 Months 2.5%
Used Auto 48 Months 3.5%
Used Auto 60 Months 4.5%
Used Vehicles can be carried one year longer than specified but will be charged 1% above the current loan rate.
**Member must be employed one full year to be eligible.
Share Secured Loans Term Rate
Length Of Term Can Be Decided By Member 3% Above Current Dividend Rate
Signature Loans Term Rate
Limit Of $3000.00 13.00% To 18.00% (based on credit history and debt to income ratio)
Boat & Camper Loans Term Rate
New Only (90% of Sticker Price) 5 Years 5.0%
Motorcycle Loans (New or 2 Years Old With Less Than 12,000 Miles)
Credit Score Term Rate
701 & Above 5 Years 11.0%
601 -700 5 Years 12.0%
600 and Below 5 Years 13.0%
Motorcycle Loans (Used)
Credit Score Term Rate
701 & Above 3 Years 11.0%
601 -700 3 Years 12.0%
600 and Below 3 Years 13.0%
*APY is the Annual Percentage Yield.

Contact

Get In Touch

Call or FAX

P: (704) 291-7112

F: (704) 291-7312

Visit Us

Main Office

2020 Ashcraft Ave
Monroe, NC 28110

Roosevelt Branch

2515 W Roosevelt Blvd
Monroe, NC 28110

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Business Hours

Monday – Friday
8:00a.m. until 4:30p.m.
Closed daily 11 a.m. – 11:30 a.m.

Send Us a Message!

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Allvac Savings & Credit Union

Our Office

2020 Ashcraft Ave
Monroe, NC 28110

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Get in Touch

P: (704) 291-7112
F: (704) 291-7312

ABA Routing Number

253176626