Rates

Rates

Loans | Savings | Certificates

Effective February 1, 2012

Loans	Stipulations	APR*	Max Term
Share (savings) secured-variable*		2.00	144 mos.	Calculator
Share (savings) secured		2.50	48 mos.	Calculator
Real Estate-variable**		as low as 4.00	180 mos.	Calculator
Residential-variable***		as low as 4.625	360 mos.	Calculator
Residential-Fixed	Call For Rates	- - -	n/a	Calculator
Mobile Home-variable (with property)**	with property	as low as 4.00	180 mos.	Calculator
Mobile Home-variable (without property)**	without property	as low as 7.00	96 mos.	Calculator
RVs-variable (new & used)**		7.00	96 mos.	Calculator
MasterCard Credit Card ****	non-variable rate fixed rate	9.25 - 18.00 9.50 - 18.00	n/a	Calculator
Personal (12 - 24 mos.)		9.50 - 12.00	12 - 24 mos.	Calculator
Personal (25 - 48 mos.)		10.00 - 12.50	25 - 48 mos.	Calculator
Line of credit (open end)	open end	6.00 - 12.75	n/a	Calculator
New & Used Vehicles (Auto)	(2004 - current year)	2.80 - 14.00	01 - 36 mos.	Calculator
New & Used Vehicles (Auto)	(2004 - current year)	3.24 - 14.00	37 - 63 mos.	Calculator
New & Used Vehicles (Auto)	(2004 - current year)	3.74 - 14.00	64 - 75 mos.	Calculator
New & Used Recreational Vehicles (Motor Homes, Travel Trailers & Boats)	2004 -2011	6.5 - 11.00	0 – 72 mos.	Calculator
New & Used Recreational Vehicles (Motor Homes, Travel Trailers & Boats)	2005-2011 (min. loan of $25,000)	7.0 - 10.50	73-96 mos.	Calculator
New & Used Recreational Vehicles (Motor Homes, Travel Trailers & Boats)	2007-2011 (min. loan of $35,000)	7.5 - 9.5	97 - 120 mos.	Calculator
New & Used Power Sport Vehicles (ATVs, Personal Watercraft & Motorcycles)	2010 -2011	7.5 - 9.00 8.0 - 9.5 8.5 - 9.0	0 - 48 mos. 49 - 63mos. 64 - 72 mos.	Calculator
New & Used Power Sport Vehicles (ATVs, Personal Watercraft & Motorcycles)	2007-2009	9.0 - 10.00 9.5 - 10.50 10.00 - 10.50	0 - 48 mos. 49 - 63mos. 64 - 72 mos.	Calculator
New & Used Power Sport Vehicles (ATVs, Personal Watercraft & Motorcycles)	2005-2006	10.00 - 11.00 10.50 - 11.50	0 - 36 mos. 37 - 63 mos.	Calculator
New & Used Power Sport Vehicles (ATVs, Personal Watercraft & Motorcycles)	2004	11.00 - 12.00	0 - 36 mos.	Calculator
"Get a Start" Loan (ages 17-23) *****	$2,000 max.	7.00	12 mos.	Calculator
"Financial Responsibility Training" Loan (ages 13-18)	$200 max.	5.00	12 mos.	Calculator
Home Equity Line of Credit ******	Variable rate tied to Prime	6.00
"Make Your Own Loan Rate" (80% share secured)	80% share secured	5.00	48 mos.	Calculator
"Make Your Own Loan Rate" (60% share secured)	60% share secured	6.00	48 mos.	Calculator
"Make Your Own Loan Rate" (40% share secured)	40% share secured	7.00	48 mos.	Calculator
"Make Your Own Loan Rate" (20% share secured)	20% share secured	8.00	48 mos.	Calculator
Stock Loans (50% of stock value)	50% of stock value	3.25	24 mos.	Calculator
Stock Loans (50% of stock value)	50% of stock value	3.50	36 mos.	Calculator
Stock Loans (50% of stock value)	50% of stock value	3.75	48 mos.	Calculator
Stock Loans (50% of stock value)	50% of stock value	4.00	60 mos.	Calculator
Stock Loans (80% of stock value)	80% of stock value	6.50	24 mos.	Calculator
Stock Loans (80% of stock value)	80% of stock value	6.75	36 mos.	Calculator
Stock Loans (80% of stock value)	80% of stock value	7.00	48 mos.	Calculator
Stock Loans (80% of stock value)	80% of stock value	7.25	60 mos.	Calculator
Stock Loans (Line of Credit 60 Month Balloon)		4.50	60 mos.	Calculator
Stock Loans (Line of Credit 180 Month Balloon)		5.00	180 mos.	Calculator
Stock Loans (Line of Credit 240 Month Balloon)		5.50	180 mos.	Calculator
APR = Annual Percentage Rate * Variable Rates - effective 02/01/2012 - 02/29/2012 * Variable Rate. Some restrictions apply to non-owner occupied real estate Credit Card Rates are based on credit qualifications and will be in this range. *A working parent must co-sign. ****Maximum HELOC rates are Prime + 0 tied to Prime rate published on June 15 and December 15. These rates are subject to change on July 1 and January 1. EFCU does not charge any minimum, fixed, transaction, activity, membership, participation or loan fees on HELOC loans.

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Dividends for the month of February to be posted: February 29, 2012

Savings

Minimum Balance

APY*

Term

Share Accounts**

$5.00

0.25

n/a

HSA Checking ($0 - $4,999.99)

$0.00

0.25

n/a

HSA Checking ($5,000 - $9,999.99)

$5,000.00

0.30

n/a

HSA Checking ($10,000 +)

$10,000.00

0.40

n/a

IRA Flex**

$250.00

0.50

n/a

Platinum Money Market Savings Accounts ($0 - $49,999.99)

$0.00

0.25

n/a

Platinum Money Market Savings Accounts ($50,000 and over)

$50,000.00

0.60

n/a

Money Market Checking ($2,500 - $9,999.99)

$2,500.00

0.25

n/a

Money Market Checking ($10,000 - $24,999.99)

$10,000.00

0.30

n/a

Money Market Checking ($25,000 - $49,999.99)

$25,000.00

0.40

n/a

Money Market Checking ($50,000 and over)

$50,000.00

0.50

n/a

*APY = Annual Percentage Yield
**Dividends are posted monthly, and are paid on the last day of the month. Fees could reduce the earnings on the account.

Our general policy is to allow you to withdraw funds deposited in your account on the same business day we receive your deposit. In some cases, we may delay your ability to withdraw funds. Then, the funds will generally be available by the fifth business day after the day of deposit.

Certificates (Dividends posted monthly)	Minimum Deposit	APY*	Term
Share Certificates**	$500.00	0.50	6 mos.
Share Certificates**	$500.00	0.80	12 mos.
Share Certificates**	$500.00	0.90	18 mos.
Share Certificates**	$500.00	1.15	24 mos.
Share Certificates**	$500.00	1.65	36 mos.
Share Certificates**	$500.00	2.00	48 mos.
Share Certificates**	$500.00	2.25	60 mos.
IRA Certificates**	$250.00	0.60	6 mos.
IRA Certificates**	$250.00	0.90	12 mos.
IRA Certificates**	$250.00	1.00	18 mos.
IRA Certificates**	$250.00	1.25	24 mos.
IRA Certificates**	$250.00	1.75	36 mos.
IRA Certificates**	$250.00	2.10	48 mos.
IRA Certificates**	$250.00	2.35	60 mos.
APY=Annual Percentage Yield *Dividends are posted monthly, and are paid on the last day of the month. Certificate rates are subject to change at any time. All other rates are subject to change monthly. Dividends are paid on all open accounts. APY assumes dividends remain on deposit until maturity. A penalty may be imposed for early withdrawal from a Certificate.