Rates
Savings Rates
Effective 26/03/2024
| Savings | ||
|---|---|---|
| Savings Rate | 0.05% | 0.05% |
| IRA | ||
| IRA Rate | 1.50% | 1.51% |
Share Certificates
| Term | APR | APY |
|---|---|---|
| 6 Months | 4.68% | 4.76% |
| 10 Months | 4.68% | 4.76% |
| 12 Months | 2.40% | 2.43% |
| 18 Months | 2.40% | 2.43% |
| 24 Months | 2.40% | 2.43% |
| 27 Months | 2.70% | 2.74% |
| 30 Months | 3.00% | 3.05% |
| 36 Months | 2.40% | 2.43% |
| 48 Months | 2.40% | 2.43% |
| 60 Months | 2.40% | 2.43% |
Money Markets
| Amount | Rate | |
|---|---|---|
| 2,500.00 - 9,999.99 | 1.40% | 1.41% |
| 10,000.00 - 49,999.99 | 1.50% | 1.51% |
| 50,000.00 & over | 1.60% | 1.61% |
Loan Rates
Effective 10/23/2023
Auto Loans
| Type of Loan | Term | APR* as low as |
|---|---|---|
| New (2022 - 2023) | 36 Months | 6.25% |
| 48 Months | 6.75% | |
| 60 Months | 7.25% | |
| 72 Months | 7.75% | |
| 84 Months | 8.25% | |
| Used (2018 - 2021) | 36 Months | 6.50% |
| 48 Months | 7.00% | |
| 60 Months | 7.50% | |
| 72 Months | 8.00% | |
| Used (2014 - 2017) | 36 Months | 6.75% |
| 48 Months | 7.25% | |
| 60 Months | 7.75% | |
| Used (2010 - 2013) | 36 Months | 7.50% |
| 48 Months | 8.00% |
Motorcycle Loans
| Year | Term | APR* as low as |
|---|---|---|
| 2022 - 2023 | 72 Months | 8.00% |
| 2018 - 2021 | 60 Months | 8.50% |
| 2014 - 2017 | 48 Months | 9.00% |
| 2010 - 2013 | 36 Months | 9.50% |
RVs, Boats, & Travel Trailers
| Type of Loan | Term | APR* as low as |
|---|---|---|
| $25,000.00 and up | 180 Months | 8.00% |
| $15,000.00 - $24,999.99 | 120 Months | 8.50% |
| $14,999.99 and under | 96 Months | 9.00% |
Titled Goods - Jet Ski & ATV
| Year | Term | APR* as low as |
|---|---|---|
| 2019- 2023 | 60 Months | 8.50% |
| 2018 and Older | 48 Months | 9.00% |
Untitled Goods - Snowmobiles, Tractors, etc.
| Type | Term | APR* as low as |
|---|---|---|
| New | 60 Months | 9.05% |
| Used | 48 Months | 9.55% |
Signature Loans
| Term | APR* as low as |
|---|---|
| 0-18 Months | 11.25% |
| 19-36 Months | 11.75% |
Visa Platinum/Classic
| APR* as low as | |
|---|---|
| 7.99% | 11.99% |
Share Loan/Certificate Loan
| APR* as low as | |
|---|---|
| 5.25% | 2.00% over CD |
Mortgages
| Type of Loan | Term | APR* as low as | Variable/Fixed |
|---|---|---|---|
| Home Equity Lines of Credit | 15 Years | 8.25% | Variable |
Fee Schedule
| Fee Description | Fee |
|---|---|
| Account Balancing/Account Research | $30.00 |
| Account closed within 90 days of opening | $25.00 |
| Account Verifications | $10.00 |
| ATM Inquiry | $0.50 |
| ATM Transfer | $0.75 |
| ATM Withdrawal | $2.50 |
| ATM Overdraft/ACH Overdraft - per item | $30.00 |
| Cash Draft Non-Member | $15.00 |
| Certified Check | $5.00 |
| Courtesy Pay Overdraft – per item | $30.00 |
| Credit Union Corporate Checks – (1st one free) | $2.00 |
| Deposited Checks Returned Unpaid | $15.00 |
| Dormant Account Fee – per quarter | $10.00 |
| ECFCU Corp. Draft Stop Payment | $35.00 |
| EZ Pay* – per month | $4.99 |
| Fax – per page | $0.75 |
| Garnishment/Levies | $25.00 |
| IRA Closeout Processing Fee (roll over/transfer) | $15.00 |
| Mail returned – Incorrect Address | $5.00 |
| NSF ACH/Draft – per item | $30.00 |
| Photocopy – per page | $0.25 |
| Replacement Debit or Visa Card – per incident | $10.00 |
| Return ACH/Draft – per item | $30.00 |
| Share Transfer Fee | $3.00 |
| Share Draft Late Return | $30.00 |
| Statement Copy - Free online | $5.00 |
| Stop Payment – ACH/Draft | $30.00 |
| Foreign Wire | $30.00 |
| Incoming Wire | $15.00 |
| Outgoing Wire | $20.00 |
| Loan Processing Fees | |
| Unsecured up to $1,999.00 | $20.00 |
| Unsecured $2,000.00 and over | $50.00 |
| All Collateral Loans | $150.00 |
*Fee waived if member has draft account, direct deposit, Homelink Teller, e-Statements, and pays 3 bills per month.