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Loan & Deposit Rates
Whether You’re Looking to Borrow or Save, You Came to the Right Place
ECFCU offers competitive Loan & Interest Rates for everything you need. Reach out to a Member Service Representative Today and we’ll get you pointed in the right direction.
Rates Effective as of 1/30/2026 (All rates subject to change without notice)
Loan Rates
Visa Credit Card
| VISA Credit Card | APR |
|---|---|
| starting at 10.90% | |
| APR = Annual Percentage Rate | |
Home Equity Line of Credit
| Home Equity Line of Credit * | Term | Rate |
|---|---|---|
| All Terms | Starting at Prime ** |
Home Equity Loans
| Home Equity - Fixed | Term | 80% LTVTerm |
|---|---|---|
| 5 years | starting at 6.00% | |
| 10 years | starting at 6.50% | |
| 15 years | starting at 7.00% |
Auto Loans
| New /Used Cars* **** | Term | Rates |
|---|---|---|
| 36 months starting at | As low as 3.99%-18.00% | |
| 48 months starting at | As low as 5.00%-18.00% | |
| 60 months starting at | As low as 5.00%-16.25% | |
| 72 months starting at | As low as 5.25%-16.50% |
Signature Personal Loan
| Signature Loans*~ | Term | Rates |
|---|---|---|
| 12 months | starting at 9.25% - 18.00% | |
| 24 months | starting at 9.75% - 18.00% | |
| 36 months | starting at 10.25% - 18.00% | |
| over 36 months | starting at 11.25% - 18.00% |
Home Improvement Loan
| Home Improvement~ | Term | APR |
|---|---|---|
| All Terms | starting at 8.75% - 18.00% | |
| APR = Annual Percentage Rate | ||
Recreational Vehicle Loans
| New & Used Recreational Vehicles | Term | Rates |
|---|---|---|
| RV & Boat Loans*~ | All Terms | starting at 9.00% - 18.00% |
| Motorcycles *~ | All Terms | starting at 9.00% - 18.00% |
Share Secured Loan
| Share Secured~ | Term | Rate |
|---|---|---|
| All Terms | 3.50% |
Certificate Secured Loan
| Certificate Secured~ ~~ | Term | Rate |
|---|---|---|
| All Terms | 3.00% over current Certificate rate |
Education Loan
| Education Loans~ | Term | Rate |
|---|---|---|
| All Terms | 8.00% |
*Annual percentage rate will be based on your credit worthiness.
**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 1/30/2026 is 6.75%. Rate based on approved credit.Minimum APR 4%. Maximum APR 18%
~ All members with Exclusive Plus Checking Accounts qualify for an additional .25% discount.
~~ The advance will be made for the length of the Certificate only.
***Vehicles 10 years of age or older will be priced on a signature loan rate, maximum term 48 months.
Deposit Rates
Share (Savings) Account
Regular Shares, Clubs & IRA Shares Rate APY
Declared for 1st Quarter* .05% .050%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield
Money Market Account
Money Market Accounts * Rate APY
$2,500.00 - $9,999.99 .20% .200%
$10,000.00 - $24,999.99 .40% .401%
$25,000.00 - $49,999.99 .80% .803%
$50,000.00 and Above 1.00% 1.005%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield
Share & IRA Certificate
Share Certificates & IRA Certificates* Rate APY
$1,000.00 Minimum
6 Month Certificate
(IRA Not Available)3.00% 3.042%
12 Month Certificate 3.25% 3.299%
18 Month Certificate 2.00% 2.018%
24 Month Certificate 2.00% 2.018%
36 Month Certificate 2.00% 2.018%
48 Month Certificate 2.00% 2.018%
60 Month Certificate 2.00% 2.018%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield