Enfield Community Federal Credit Union
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Loan & Deposit Rates

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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 5/1/2021 (All rates subject to change without notice)

Loan Rates

Visa Credit Card

VISA Credit Card * APR
starting at10.90%
APR = Annual Percentage Rate


Home Equity Line of Credit

Home Equity Line of Credit * Amount Term Rate
Starting at Prime **


Home Equity Loans

Home Equity – Fixed Term 80% LTVTerm
5 years starting at 5.00%
10 years starting at 5.50%
15 years starting at 6.00%


Auto Loans

New /Used Cars * *** Term Rates
36 months As low as 2.24%-17.00%
48 months As low as 2.50%-17.25%
60 months As low as 2.50%-12.75%
72 months As low as 2.75%-13.00%


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~ * starting at 9.00% – 18.00%
Motorcycles ~* 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 creditworthiness.
** Minimum APR 4%. Maximum APR 18% Prime Rate for June 30, 2021 3.25%.
~ 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 8 years of age or older will be priced on a signature loan rate, maximum term 36 months.

Deposit Rates

Share (Savings) Account

Regular Shares, Clubs & IRA SharesRateAPY
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 * RateAPY
$2,500.00 - $9,999.99.05%.050%
$10,000.00 - $24,999.99.10%.100%
$25,000.00 - $49,999.99.15%.150%
$50,000.00 and Above.20%.200%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield

Share & IRA Certificate

Share Certificates & IRA Certificates*RateAPY
$1,000.00 Minimum
6 Month Certificate
(IRA Not Available)
12 Month Certificate.15%.150%
18 Month Certificate.25%.250%
24 Month Certificate.30%.300%
36 Month Certificate.40%.401%
48 Month Certificate.45%.451%
60 Month Certificate.50%.501%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield



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Veterans DayThursdayNovember 11th
Thanksgiving DayThursdayNovember 25th
Christmas EveFriday, December 24th
Close at 1 pm
Christmas DaySaturdayDecember 25th
New Years EveFridayDecember 31st,
Close at 1 pm
New Year’sDaySaturdayJanuary 1st