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 10/1/2023 (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 6.00%
10 years starting at 6.50%
15 years starting at 7.00%


Auto Loans

New /Used Cars* ****TermRates
36 months starting atAs low as 5.24%-18.00%
48 months starting atAs low as 5.50%-18.00%
60 months starting atAs low as 5.50%-16.25%
72 months starting atAs low as 5.75%-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~ * 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 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 10/1/2023 is 8.50%. 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 SharesRateAPY
Declared for 3rd 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 - $9,999.99.10%.100%
$10,000.00 - $24,999.99.20%.200%
$25,000.00 - $49,999.99.30%.300%
$50,000.00 and Above.40%.401%
* 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 Certificate1.00%1.005%
18 Month Certificate1.25%1.257%
24 Month Certificate1.50%1.510%
36 Month Certificate1.00%1.005%
48 Month Certificate1.00%1.005%
60 Month Certificate1.00%1.005%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield



New Year’s Day ObservedMondayJanuary 2nd 2023
Martin Luther King Jr Day MondayJanuary 16th 2023
Washington's Birthday
(Presidents Day)
MondayFebruary 20th 2023
Memorial DayMondayMay 29th 2023
Juneteenth National Independence DayMondayJune 19th 2023
Independence DayTuesdayJuly 4th 2023
Labor DayMondaySeptember 4th 2023
Columbus DayMondayOctober 9th 2023
Veterans DaySaturdayNovember 11th 2023
Thanksgiving DayThursdayNovember 23rd 2023
Christmas DayMondayDecember 25th 2023
New Year’s DayMondayJanuary 1th 2024