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

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

 

Home Equity Line of Credit

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

 

Home Equity Loans

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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

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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

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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

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Home Improvement * Term APR
All Terms starting at 8.75% – 18.00%
APR = Annual Percentage Rate

 

Recreational Vehicle Loans

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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

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Share Secured~ Term Rate
all terms 3.50%

 

Certificate Secured Loan

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Certificate Secured~ ~~
Term Rate
all terms 3.00% over current Certificate rate

 

Education Loan

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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)
.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

 

 

HolidayDayDate
New Year’sDayFridayJanuary 1st
MartinLuther King Jr Day MondayJanuary 18th
Presidents DayMondayFebruary 15th
Memorial DayMondayMay 31st
Independence DayMondayJuly 5th
Labor DayMondaySeptember 6th
Columbus DayMondayOctober 11th
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