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ECCU Membership

Rates

Effective January 1, 2016

Deposit Rates
Dividend Rate/APY*
Compounds
Min. Balance
Share Savings
0.10%
Quarterly
$100
Christmas Club
0.20%
Annually
$0
Money Market
0.20%
Monthly
$2,500
Traditional IRA
0.20%
Quarterly
$100
Roth IRA
0.20%
Quarterly
$100
Education Savings
0.20%
Quarterly
$100
6-Month CD
0.25%
Six Months
$1,000
12-Month CD
0.45%
12 Months
$1,000
24-Month CD
0.75%
24 Months
$500
36-Month CD
1.00%
36 Months
$500

*APY=Annual Percentage Yield. The rates and APY were offered within the most recent seven calendar days and were accurate as of 4/1/13. All rates and fees are subject to change at any time without prior notification. Please consult a credit union representative for an accurate rate.

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Members may be eligible for discounts listed below:

Preferred Member Discount (PMD) Rate discounted .25% if member has one of the following: 5+ years ECCU membership or
ECCU checking 3 months good standing or ECCU Visa credit card 3 months good standing or ECCU IRA 1+ years.
Primary Financial Institution Discount (PFID) Rate discount .25% if member has two of the following: 
Direct Deposit/Automatic Payments or Estatements/Email Address or ECCUOnline banking or PATT audio response or ECCU Visa credit card.

Vehicle Loan Rates
(As low as)
Level 1 APR*
(730+)
Level 2 APR*
(680-729)
Level 3 APR*
(640-679)
Level 4 APR*
(600-639)
Level 5 APR*
(550-599)
Level 6 APR*
(549 or lower)
Autos/Motorcycles/ATVs/Boats (New & Used)
24-month term
1.99%
2.99%
4.49%
6.99%
11.10%
14.10%
36-month term
2.24%
3.24%
4.74%
7.24%
11.55%
14.55%
48-month term
2.49%
3.49%
4.99%
7.49%
13.55%
16.55%
60-month term
2.74%
3.74%
5.24%
7.74%
16.55%
16.55%
72-month term
3.74%
4.74%
6.24%
8.74%
17.05%
17.05%
84-month term
4.74%
5.74%
7.24%
N/A
N/A
N/A
RVs (2004-2014)
84-month term
5.20%
5.70%
6.70%
8.20%
10.70%
14.70%
Classic/Antique
36-month term
5.20%
5.70%
6.70%
8.20%
10.70%
14.70%

*APR=Annual Percentage Rate. All rates and fees are subject to change at any time without prior notification. Please contact the credit union for the most current rates.

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Home Loan Rates
(As low as)
Level 1 APR*
(730+)
Level 2 APR*
(680-729)
Level 3 APR*
(640-679)
Level 4 APR*
(600-639)
Level 5 APR*
(550-599)
Level 6 APR*
(549 or lower)
Home Equity (Variable rate, adjusts quarterly, five-year draw)
90% Loan To Value
(Terms available from 72 to 120 months)
4.40%
4.40%
4.40%
N/A
N/A
N/A
80% Loan To Value
(Terms available from 72 to 120 months)
N/A
N/A
N/A
4.40%
4.50%
5.00%
First Mortgage
Click here for mortgage rates & an application

*APR=Annual Percentage Rate. All rates and fees are subject to change at any time without prior notification. Please contact the credit union for the most current rates.

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Visa Credit Card Rates (As low as)
APR*
Other
Classic or Platinum
9.40%

*APR=Annual Percentage Rate. All rates and fees are subject to change at any time without prior notification. Please contact the credit union for the most current rates.

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Personal Loan Rates
(As low as)
Level 1 APR*
(730+)
Level 2 APR*
(680-729)
Level 3 APR*
(640-679)
Level 4 APR*
(600-639)
Level 5 APR*
(550-599)
Level 6 APR*
(549 or lower)
Signature
(Terms available from 24 to 36 months)
9.75%
10.25%
11.25%
12.75%
15.25%
19.25%
Line Of Credit
(24-month term)
9.75%
10.25%
11.25%
12.75%
15.25%
19.25%

*APR=Annual Percentage Rate. All rates and fees are subject to change at any time without prior notification. Please contact the credit union for the most current rates.

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Secured Loan Rate (As low as)
APR*
75% Financing
11.65%

*APR=Annual Percentage Rate. All rates and fees are subject to change at any time without prior notification. Please contact the credit union for the most current rates.

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Federally
Insured By
NCUA