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Rates

Deposit Rates
Dividend Rate/APY*
Compounds
Min. Balance
Share Savings
0.10%
Quarterly
$100
Christmas Club
0.30%
Annually
$0
Money Market
0.20%
Monthly
$2,500
Traditional IRA
0.20%
Quarterly
$100
Roth IRA
0.20%
Quarterly
$100
6-Month CD
0.50%
Six Months
$1,000
12-Month CD
0.70%
12 Months
$1,000
24-Month CD
1.00%
24 Months
$500
36-Month CD
1.25%
36 Months
$500

*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 two 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*
(549 or lower)
Autos/Motorcycles/ATVs/Boats (New & Used)
36-month term
3.49%
4.49%
5.99%
9.49%
12.80%
15.80%
48-month term
3.74%
4.74%
6.24%
9.74%
14.80%
17.80%
60-month term
3.99%
4.99%
6.49%
9.99%
17.80%
17.80%
72-month term
4.99%
5.99%
7.49%
10.99%
N/A
N/A
84-month term
5.99%
6.99%
8.49%
N/A
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)
4.40%
4.40%
5.00%
N/A
N/A
N/A
80% Loan To Value
(Terms available from 72 to 120 months)
4.40%
4.40%
5.00%
5.50%
6.00%
6.75%
First Mortgage
For more information please call the Credit Union at (800) 682-6075.

*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)
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.

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.

RVs up to 10 years and newer

% Financed
% Financed
Term
**
Purchase
Refinance
120 MO
LEVEL 1 (730+)
100%
130%
5.70%
LEVEL 2 (680 - 729)
100%
120%
6.20%
LEVEL 3 (640 - 679)
100%
110%
7.20%
LEVEL 4 (600 - 639)
80%
80%
8.70%
LEVEL 5 (550 - 599)
60%
60%
11.20%
LEVEL 6 (549 or less)
60%
60%
15.20%
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