Rates
*APY=Annual Percentage Yield. All rates and fees are subject to change at any time without prior notification. Please consult a credit union representative for an accurate rate.
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 discounted .25% if member has one of the following:
Direct Deposit/Automatic Payments or Estatements/Email Address or ECCUOnline banking or mobile banking 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*
(550-599) |
| Autos/Motorcycles/ATVs/Boats (New & Used) | ||||||
| 36-month term |
7.49%
|
8.49%
|
9.49%
|
12.49%
|
15.30%
|
15.30%
|
| 48-month term |
7.49%
|
8.49%
|
9.49%
|
12.49%
|
17.30%
|
17.30%
|
| 60-month term |
7.74%
|
8.74%
|
9.74%
|
12.74%
|
17.80%
|
17.80%
|
| 72-month term |
7.99%
|
8.99%
|
9.99%
|
12.99%
|
17.80%
|
N/A
|
| 84-month term |
8.49%
|
9.49%
|
10.49%
|
13.49%
|
N/A
|
N/A
|
*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.
| 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) |
7.75%
|
8.25%
|
8.75%
|
N/A
|
N/A
|
N/A
|
| 80% Loan To Value
(Terms available from 72 to 120 months) |
7.75%
|
8.25%
|
8.75%
|
9.25%
|
10.00%
|
10.50%
|
| First Mortgage | ||||||
| For more information please call the Credit Union at (866) 439-3228. | ||||||
*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.
| 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.
| 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) |
12.25%
|
12.75%
|
13.75%
|
15.25%
|
17.75%
|
19.75%
|
| Line Of Credit (24-month term) |
12.25%
|
12.75%
|
13.75%
|
15.25%
|
17.75%
|
19.75%
|
*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.
| Other 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.