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Rates

*APY = Annual Percentage Yield. Rates effective 1/22/25 and are subject to change without notice. Minimum opening deposit is $5,000. A penalty may be imposed for early withdrawal. ECU membership required. Federally insured by NCUA.

Loan Rates

rates_auto table
Auto Loans (rates effective 9/23/24)	APR*	Term in Months
New Automobile	5.24%	66
New Automobile (exceeding $18,000)	5.49%	67-75
New Automobile (over $25,000)	6.94%	84
Used Automobile 2019-2025	5.24%	66
Used Automobile 2019-2025 (less than 75K miles)	5.49%	67-75
Used Automobile 2019-2025 (over $25,000, less than 40K miles, non-current year)	6.94%	84
Used Automobile 2015 to 2018	7.44%	48

rates_rv table
Boat, RV, Motorcycle Loans	APR*	Term in Months
New or Used 2019-2025	7.70%	63
New or Used 2019-2025 (exceeding $18,000) Boat or RV Only	8.70%	64-75
Used 2018 and older	10.45%	48

rates_personal table
Personal Loans	APR*	Term in Months
Signature	11.94%	63

rates_home_equity table
Home Equity Loans	APR*	Term in Months
Home Equity Loan	Call for quote	60
Home Equity Loan	Call for quote	120
Home Equity Loan	Call for quote	180
Home Equity Loan	Call for quote	240

rates_cards table
MasterCard® Credit Cards	APR*	Term
Platinum MasterCard®	9.75%	1

*APR = Annual Percentage Rate
Annual Percentage Rate is as low as. Rate is based on credit rating and is subject to normal credit approval. Rates and terms are subject to change without notice. Other restrictions may apply. Contact the credit union for details.

Savings Account Rates

rates_savings table
Savings (rates effective 9/25/23)	Rate	APY*	Term in Days
Regular Savings	0.40%	0.40%	365
IRA Savings	0.40%	0.40%	365

rates_checking table
Checking	Rate	APY*	Term in Days
Share Draft Checking	0.10%	0.10%	365
College Choice Checking	0.10%	0.10%	365
Direct Choice Checking	0.10%	0.10%	365
Club 55+	0.10%	0.10%	365

rates_money_market table
Money Market Accounts** (rates effective 11/9/22)	Rate	APY*	Term in Days
With balance of $2,500 and up	1.10%	1.11%	365

*APY=Annual Percentage Yield
**Annual Percentage Yield (APY) is based on the average daily balance. Minimum balance required to earn the disclosed Annual Percentage Yield. Fees may reduce earnings. A penalty may be imposed for early withdrawal.

Certificate of Deposit Rates

rates_certificates table
Certificates (rates effective 02/16/23)	Rate	APY*	Term in Months
Regular Certificate of Deposit (CD)	2.00%	2.02%	6**
Regular Certificate of Deposit (CD)	2.25%	2.27%	12
Regular Certificate of Deposit (CD)	2.50%	2.53%	24
Regular Certificate of Deposit (CD)	2.50%	2.53%	36
Regular Certificate of Deposit (CD)	2.50%	2.53%	48
Regular Certificate of Deposit (CD)	2.50%	2.53%	60

*APY=Annual Percentage Yield. Minimum opening deposit $1,000. Fees may reduce earnings. A penalty may be imposed for early withdrawal.
**Minimum opening deposit for 6 month CD $5,000.

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