Loan & Deposit Rates

The information in the rates tables below may not fully be viewable on certain smaller resolution devices. Please rotate your device to landscape orientation if you are unable to view the entire table of information or please use a desktop computer.

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 10/1/2022 (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* ****TermRates
36 months starting atAs low as 2.24%-18.00%
48 months starting atAs low as 2.50%-18.00%
60 months starting atAs low as 2.50%-13.25%
72 months starting atAs low as 2.75%-13.50%

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 09/30/2022 is 5.50%. 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 2nd 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



New Year’sDaySaturdayJanuary 1st 2022
Martin Luther King Jr Day MondayJanuary 17th 2022
Washington's Birthday
(Presidents Day)
MondayFebruary 21st 2022
Memorial DayMondayMay 30th 2022
Juneteenth National Independence DayMondayJune 20th 2022
Independence DayMondayJuly 4th 2022
Labor DayMondaySeptember 5th 2022
Columbus DayMondayOctober 10th 2022
Veterans DayFridayNovember 11th 2022
Thanksgiving DayThursdayNovember 24th 2022
Christmas DayMondayDecember 26th 2022