1 Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Net purchases are purchases minus credits and returns. Qualifying purchases do not include Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. AAA Dollars are not earned on business related transactions or activities. You may not redeem AAA Dollars, and you will immediately lose all of your AAA Dollars, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). AAA Dollars awarded but not redeemed will expire at 11:00 p.m. Central Time on the last day of the calendar quarter that is five (5) years from the date on which they were earned.
2 AAA Dollars Mastercard: Earn 1% for every dollar of qualifying net purchases. See footnote 1, above, for details on Net Purchases and Qualifying Purchases. AAA Dollars awarded but not redeemed will expire five (5) years from the date on which they were earned. AAA Dollars Plus Mastercard: Earn 3% per dollar for qualifying net purchases made with the card through any participating AAA Club when AAA is the merchant of record, on qualifying net insurance purchases (MCC = 6300) and at eligible retail travel merchants. See footnote 1, above, for details on Net Purchases and Qualifying Purchases. AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 3%. Earn 2% per dollar for qualifying net purchases at gas stations, grocery stores and drug stores. Earn 1% per dollar on qualifying net purchases everywhere else. Purchases qualify for reward categories based on the category code merchants select to classify their business. ACG Card Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. AAA Dollars awarded but not redeemed will expire five (5) years from the date on which they were earned.
The creditor and issuer of the AAA Dollars Mastercard is U.S. Bank NA dba ACG Card Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
©2018 ACG Card Services. All rights reserved. Equal Credit Opportunity Lender.
*Annual Percentage Yield (APY) is valid as of 1/1/2019. Personal accounts only. Interest rates may change at any time without prior notice. $100 minimum balance to open and avoid fees. Fees could reduce earnings on the account. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.
**Annual Percentage Yield (APY) accurate as of 1/1/2019. Rate tiers are as follows: 2.85% APY applies to balances of $0.01-$10,000 and .05% APY applies to balances over $10,000 as long as qualifications are met each qualification cycle: .05% APY applies to all balances if qualifications are not met. Rates are variable and may change without prior notice. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Auto Club Trust, FSB
***Annual Percentage Yield (APY) is accurate as of 1/1/2019. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Personal accounts only.
†Annual Percentage Rate (APR). Rates and terms effective as of 1/1/2019. Advertised rates and terms are subject to change without notice. Additional terms and restrictions apply. Other loan rates available. Subject to borrower qualification. Advertised rate assumes a 0.25% discount when you set up automatic payments from any checking or savings account. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less and vehicle model 2017 and 2018 new or used models, with excellent credit score, down payment and loan term. Borrower pays any closing costs. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score, down payment, and loan term. An auto loan with an APR of 2.74% for a $35,000 loan at a term of 48 months, your monthly payment would be $770.69. Private party sales will not be financed. Products are offered by Auto Club Trust, FSB. Equal Credit Opportunity Lender.
††Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor Auto Club Trust, FSB, sells or leases motor vehicles.
‡Discounted closing costs are for third-party fees associated with underwriting and closing your loan such as appraisal fees, title work and closing fees. The discount does not apply to government-imposed fees, including recording fees and other taxes. Program offers, rates, terms and conditions are subject to change at any time without notice. Final rates and eligibility subject to credit approval, verification, collateral evaluation and originated by Auto Club Trust, FSB. Equal Credit Opportunity Lender. NMLS# 799629
‡‡Annual Percentage Rate (APR). Rates and terms effective as of 1/1/2019. Advertised rates and terms are subject to change without notice. Additional terms and restrictions apply. Other loan rates available. Subject to borrower qualification. The stated APR assumes a 0.25% discount when you set up automatic payments from any checking or savings account. Advertised APR is based on a loan-to-value of 80%. This is a variable interest rate product. Variable rates are calculated by adding a percentage to the most recent Prime rate published in the “Money Rates” section of The Wall Street Journal. After the initial fixed-rate period, the minimum APR that will be imposed can range from 3.50% to the maximum of 18%. The current fully indexed rate is 6.25%. The advertised rate of 6.00% includes the auto pay discount. Upon approval, your home equity line of credit amount may vary based on your specific situation. A home for sale will have a higher interest rate. Fees and charges: To open and maintain a line of credit, you must pay an annual fee of $75.00 on the account opening date and on each anniversary of this date during the draw period. Taking an initial draw of $25,000 or more as of the account opening date, we will waive the first-year fee. You must also pay certain fees to third parties to open a line of credit. To open a typical line of credit of $75,000, borrower-closing costs are estimated to range from $350 - $2,500 depending on the geographic location of the property. Property insurance is required and flood insurance may be required. During the draw period, your minimum monthly payment will be the interest on your current balance (any funds you have drawn from your HELOC). During your repayment period, your payments will include the principal amount plus interest. Home equity line of credit has a 10-year draw period and a 15-year repayment period. Minimum advance after closing is $100.
Your minimum payment can vary during both the draw period and the repayment period. During the draw period, your monthly payment will be the interest on your current balance (any funds you have drawn from your HELOC). For example if you draw $50,000 and your interest rate is 6.00%, then your minimum payment at this rate during the draw period will be $250.00. When the draw period ends, your repayment period begins. During the repayment period your payment will include the principal amount plus interest in an amortized schedule. For example, if your balance due is $50,000 and your interest rate is 6.00% then your minimum payment at this rate during the repayment period will be $421.93 a month. During the application process we will provide important disclosures about this product that you are encouraged to carefully review.
The Calculator assumes an 80% combined loan-to-value (CLTV) ratio. Actual CLTV eligibility depends on your state, product, lien position, credit and deposit relationship. This interactive calculator is made available to you as a self-help tool for your independent use and is intended for illustrative purposes only. Any results are estimates only. Changes to the account balance or any of the inputs will alter the results. This calculator does not offer any tax, legal, or financial advice.
Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.