Membership

MC Perks

Welcome to ACU's most exclusive club: MC Perks! The MC Perks program helps you find exactly what you need to fit your financial lifestyle. We believe that your relationship with Associated Credit Union goes beyond just your finances. Meaning, everything that matters to you—matters to us! That's why we are proud to offer you perks on everyday services, just for working for one of our Member Companies.


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Join for free

We waive the $5 membership fee for all member company employees.

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Associated Checking Perk

Free for three months with added-value benefits that fit your life and include free stuff.*

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Fixed-Rate Visa Credit Card Perk

$100 Bonus when you open a new ACU Visa Credit Card and charge at least $500 in the first 90-days of account opening.

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Mortgage Perk

Get up to $3,000 off your closing cost with 15-year or 30-year fixed.

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Home Equity Line Of Credit Perk

2.99% APR through 9/30/2019 for advances of $10,000 or more.

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Auto Loan Perk

0.25% APR reduction when you purchase a car through CU CarFinders, Enterprise, or Carvana, and finance with ACU.

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Employees of any of our Member Companies living in the state of Georgia or outside the state of Georgia are eligible. Family or friends that are employees working for any of our member companies are not eligible. Offers available from June 1, 2018 through September 30, 2018. Offers available for all new deposit accounts and new loan accounts. All products and services are subject to approval, including credit approval. Offers may be withdrawn at any time.

To qualify for the offer, you must (1) be employed or be contracted to work at any of the ACU Member Companies and (2) become a member of Associated Credit Union. Upon approval, you must provide a copy of your latest Member Company pay stub. When applying online, the promo code “PERKS” must be used to notify ACU staff.


Associated Checking

The monthly fee of $4.95 is waived for the first three months of opening an Associated Checking account. The $4.95 fee will be charged at the end of the fourth month of account opening.

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Visa Credit Card

Bonus offer applies to a new Associated Visa Credit Card opened. Limit one bonus per account. Within the first 90 days of opening an ACU Visa Credit Card, the member must charge at least $500.00. The $100.00 bonus will be credited to the primary member’s share account within 60 days of meeting the above qualifications.

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Auto Loan

Offer of 0.25% off your auto loan rate when you purchase a new or used car through one of our three (3) Car Buying Services and finance your auto loan with Associated Credit Union. The rate you qualify to receive may vary depending on your individual credit history, length of term, and age of vehicle. Rate and terms subject to change without notice.

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Mortgage Loan

Offer good from June 1, 2018, to September 30, 2018. Must apply by September 30, 2018. Certain restrictions and limitations apply. All loans are subject to credit approval, with a minimum credit score of 700. Mortgage offer available only in GA, AL, TN, SC, NC, and FL and is not available on VA, FHA, and USDA Mortgages. Available for purchase or rate/term refinance transactions only. Rate/term refinance transactions not available on mortgage loans already held by Associated Credit Union. Associated Credit Union will pay up to $3,000 of the following borrower closing costs: Application Fee for refinance transactions, Appraisal Fee, Credit Report Fee, Flood Certificate Fee, GA Residential Mortgage Loan Fee, Real Estate Tax Service Fee, Recording Fees, Re-inspection Fee if necessary, Title: Attorney Fee, Title: Closing Protection Letter, Title: Lender’s Title Insurance, Title: Post Closing Fee, Title: Title Binder Fee, Title: Title Exam Fee, Title: Wire Fee, and Transfer Tax. If the total closing cost exceeds $3,000, then the borrower is required to pay the difference. The borrower is responsible for paying the following: 2nd Mortgage Holder Subordination Fees, Condominium/PUD Certification Fee, Document Preparation Fee, Escrow Prepaids, HOA Initiation Fee, Mortgage Insurance Premiums, Pest Inspection Fee, Prepaid Interest, Septic Inspection Fee, Title: Owner’s Title Insurance, Well Inspection Fee. Offer available for a limited time and subject to change without notice.

We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #401922

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Home Equity Line Of Credit (HELOC)

APR = Annual Percentage Rate. Promotional interest rate is 2.99% with qualifications. Application period is from June 1, 2018 through August 31, 2018. The annual percentage rate is based on the value of an index. The index is the “Prime Rate” published in the Money Rates section of the Wall Street Journal. The annual percentage rate may change on the first day of each calendar quarter. The current non-promotional annual percentage rate as of 05/01/2018 is 4.75%. The maximum annual percentage rate is 18.00% with a floor of 4.00%. Minimum HELOC available balance has to be $10,000 or greater. Offer available to residents within the states of Georgia, Florida, North Carolina, South Carolina, Alabama, and Tennessee. All loans are subject to credit approval. Associated Credit Union assumes (unless otherwise noted) that: This is your primary residence and is a 1-4 unit property. Debt-to-income ratio is equal to or less than 43%. Minimum representative credit score of 680. If your home is located in the state of Georgia, you will be required to pay an attorney fee which usually totals between $300.00 and $600.00 for title examination and closing and a recording fee which usually totals between $16.00 and $20.00. If your home is located outside of the state of Georgia, you will be required to pay attorney’s fees and recording fees and taxes which usually total between $400.00 and $800.00. If we deem an appraisal on your home is necessary, then, you must pay an appraisal fee that is usually between $100.00 and $500.00. There are no other fees or charges assessed to open your line of credit. There are no fees or charges assessed to maintain your line of credit. Subject property must have hazard insurance coverage and if applicable, flood insurance coverage. The minimum loan amount is $10,000, and the maximum loan amount is $100,000. Some restrictions may apply. The maximum loan amount is determined by the amount of equity in your home, based on appraised value. To qualify for the 2.99% interest rate, there has to be a cumulative advance of $10,000 or greater during the promotional advance period. The promotional advance period runs from June 1, 2018 to September 30, 2018. Promotional rate ends September 30, 2019, any balance remaining from promotional advances will convert to the stated interest rate at that time. Offer subject to change at any time. Please consult your tax advisor regarding interest deductibility. Some restrictions may apply. Offer may be withdrawn.

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