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Rates
| Regular Shares, Club Accounts and IRA Shares |
Rate |
Annual Percentage Yield |
| |
.05% |
.050% |
| Money Market Account |
Rate |
Annual Percentage Yield |
| $2,500 - $9,999 |
.05% |
.050% |
| $10,000 - $24,999 |
.05% |
.050% |
| $25,000 - $49,999 |
.10% |
.100% |
| $50,000 and above |
.10% |
.100% |
| |
|
|
| Share Term Certificates and IRA Certificates |
Rate |
Annual Percentage Yield |
| 6 month certificate (IRA not available) |
.10% |
.100% |
| 12 month certificate |
.15% |
.150% |
| 18 month certificate |
.20% |
.200% |
| 24 month certificate** |
.25% |
.250% |
| 36 month certificate** |
.40% |
.401% |
| 48 month certificate** |
.50% |
.501% |
| 60 month certificate** |
.60% |
.601% |
*Dividend declaration date is the last business day of the month.
Loan Rates
| Loan Type |
Annual Percentage Rate |
| Share Secured |
3.50% APR |
| Certificate Secured |
3.00% over Current CD Rate |
| VISA Credit Card |
Starting at 10.9% APR |
Home Equity Loans
 Home Equity Line of Credit1 |
Starting at Prime |
| Fixed Rate/Fixed Term2 |
80% LTV |
90% LTV |
100% LTV |
| 5 years |
4.50% |
6.00% |
Not available |
| 10 years |
5.00% |
6.50% |
Not available |
| 15 years |
5.50% |
Not available |
Not available |
| Home Improvement |
Starting at 8.50% APR |
| Education Loans |
8.00% APR |
| Signature Loans3 |
Starting at 9.00% APR |
| |
12 mos. |
Starting at 9.00% APR |
| |
24 mos. |
Starting at 9.50% APR |
| |
36 mos. |
Starting at 10.00% APR |
| |
Over 36 mos. |
Starting at 11.00% APR |
| Loan Type |
Annual Percentage Rate |
| New Auto4 |
Starting at 2.25% APR |
| Used Auto5 |
Starting at 2.25% APR |
| Loan Type |
Annual Percentage Rate |
| Recreational Vehicles/Boats/ ATVs/ Campers/ Snowmobiles |
|
| New and Used up to 60 months |
Starting at 9.00% APR |
| over 60 months add 1% |
|
Motorcycle Loans |
|
| New and Used up to 60 months |
Starting at 9.00% APR |
| over 60 months add 1% |
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As published in The Wall Street Journal.
**Prime Rate as of December 31, 2012 is 3.25% APR.
Minimum APR of 4%. Maximum APR of 18%.
Rate may vary based on credit worthiness.
1 Annual Percentage Rate (APR) may vary monthly and will be based on the Prime Rate published in the Wall Street Journal on the last business day of the month. Prime Rate as of December 31, 2012 is 3.25% APR. Minimum APR of 4%. Maximum APR of 18%. Minimum loan of $25,000 or closing costs may apply. Rate may vary based on credit worthiness. Property insurance may be required.
2 Minimum loan of $25,000 or closing costs may apply. Terms starting at 5 years. Up to 80% financing. Payment Example: 4.50% APR Rate is based
on a five year term with a monthly payment of $18.65 per thousand borrowed. Applicable to first liens only: payment does not include taxes and
insurance and payment will be greater.
3 APR = Annual Percentage Rate. Your rate may vary based on credit worthiness. Receive 1/4% off rate when you open a CU Exclusive Plus Account.
Payment Example: One year loan at 9.00% APR for loan amount of $1,000 = Monthly Payment of $87.47.
Cannot be used to refinance existing ECFCU loans.
4 APR = Annual Percentage Rate. Rate may vary based on credit worthiness.
Payment Example:3.50% APR Rate is based on a three year term with a monthly payment of $29.31 per thousand borrowed.
Cannot be used to refinance existing ECFCU car loans.
5 APR = Annual Percentage Rate. Rate may vary based on credit worthiness.
Payment Example:3.50% APR Rate is based on a three year term with a monthly payment of $29.31 per thousand borrowed.
Cannot be used to refinance existing ECFCU car loans.
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(860) 253-5100
