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Loan & Deposit Rates
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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 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 .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* Rate APY
$1,000.00 Minimum
6 Month Certificate
(IRA Not Available).10% .100%
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