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Rates

Loan Rates
Loan APR* Term Amount
Tornado Shelter 5.00% 60 months $7,500
Emergency Generator 5.00% 60 months $9,000
Autos* 4.75% 36 months* *
Autos* 5.25% 48 months* *
Autos* 5.75% 60 months +* *
Computer 12.00% 24 months $2,500
Other Collateral 8.00% * *
Christmas 12.00% 12 months $1,500
Signature 13% 36 months $3,500
Secured Share Sh + 1% N/A 100% of Sh
Secured CD CD + 1% N/A 100% of CD

Policy Summary

Base Rates (As Low As) subject to change and adjustment for Term and Credit Score. Loans subject to approval.

*100% of MSRP/NADA/Kelley/Appraisal.  *APR = Annual Percentage Rate

Deposit Rates
Type Rate APY* Min
Savings 0.15% 0.15% $5
CD 6 3.10% 3.14% $1,000
CD 12 3.20% 3.24% $1,000
13-month CD special** 3.94% 4.00% $1,000
13-month CD special** 4.09% 4.15% $50,000
CD 24 3.40% 3.44% $1,000
CD 36 3.50% 3.55% $1,000
IRA 3.15% 3.19% $0

 

Policy Summary

Penalty for early CD withdrawal.
All Dividends Compounded Quarterly.
Rates subject to change at Board discretion.
Savings Rate for most recent Quarter End.
IRA Rate applies to Current Quarter.

*APY = Annual Percentage Yield

**Offer valid until $700,000 in promotional CD deposits received OR 12/18/26, whichever comes first. To be eligible for the 4.00% APY offer, a member must deposit a minimum of $1,000 in new money not on deposit at ECU into a 13-month CD; to be eligible for the 4.15% APY offer, a member must deposit a minimum of $50,000 in new money not on deposit at ECU into a 13-month CD. Funds withdrawn and redeposited during the promotion period aren’t eligible for special rate and term. The CD Jumbo Bonus offer doesn’t apply to this offer. Penalties apply for early withdrawal. After the promotional term expires, the CD will roll over to a 12-month term at the standard rate. Contact ECU for complete details.

Auto Terms
Auto Value Max Term
10,000- 36
10,000+ 48
20,000+ 60
30,000+ 72
40,000 84
Other Terms
Other Value Max Term
10,000- 36
10,000+ 48
15,000+ 60
20,000+ 72
25,000+ 84

 

 

Policy Summary

Base Rates (As Low As) subject to change and adjustment for Credit Score. Loans subject to approval.
*100% of MSRP/NADA/Kelley/Appraisal. *APR = Annual Percentage Rate