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Loans
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Stipulations
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APR*
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Max Term
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Share (savings) secured-variable*
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2.00
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144 mos.
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Calculator
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Share (savings) secured
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2.50
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48 mos.
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Calculator
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Real Estate-variable**
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as low as 4.00
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180 mos.
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Calculator
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Residential-variable***
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as low as 4.00
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360 mos.
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Calculator
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Residential-Fixed
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Call For Rates
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0.00
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n/a
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Calculator
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Mobile Home-variable (with property)**
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with property
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as low as 4.00
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180 mos.
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Calculator
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Mobile Home-variable (without property)**
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without property
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as low as 7.00
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96 mos.
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Calculator
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RVs-variable (new & used)**
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7.00
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96 mos.
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Calculator
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Credit Card (MasterCard) - non-variable rate****
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non-variable
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8.00-18.00
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n/a
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Calculator
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Personal (12/24 mos.)
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9.50-12.00
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12/24 mos.
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Calculator
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Personal (25/48 mos.)
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10.00-12.50
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25/48 mos.
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Calculator
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Line of credit (open end)
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open end
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6.00-12.75
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n/a
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Calculator
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New & Used Vehicles (Auto)
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4.94-9.75
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up to 63 mos.
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Calculator
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New & Used Vehicles (Auto)
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5.74-10.00
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64-72 mos.
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Calculator
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New & Used Vehicles (Auto)
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5.99-10.50
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72-75 mos.
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Calculator
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New & Used Recreational Vehicles (Motor Homes, Travel Trailers & Boats)
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6.5-11.00
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0–72 mos.
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Calculator
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New & Used Recreational Vehicles (Motor Homes, Travel Trailers & Boats)
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7.0-10.50
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73-96 mos.
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Calculator
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New & Used Recreational Vehicles (Motor Homes, Travel Trailers & Boats)
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7.5-9.5
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97-120 mos.
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Calculator
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New & Used Power Sport Vehicles (ATVs, Personal Watercraft & Motorcycles)
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2009 -2010
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7.5 -9.00
8.0-9.5
8.5-9.0
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0-48 mos.
49-63mos.
64-72 mos.
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Calculator
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New & Used Power Sport Vehicles (ATVs, Personal Watercraft & Motorcycles)
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2006-2008
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9.0-10.00
9.5-10.50
10.00-10.50
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0-48 mos.
49-63mos.
64-72 mos.
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Calculator
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New & Used Power Sport Vehicles (ATVs, Personal Watercraft & Motorcycles)
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2004-2005
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10.00-11.00
10.50-11.50
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0-36 mos.
37-63 mos.
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Calculator
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New & Used Power Sport Vehicles (ATVs, Personal Watercraft & Motorcycles)
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2003
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11.00-12.00
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0-36 mos.
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Calculator
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"Get a Start" Loan (ages 17-23) ($2000 max.) *****
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$2000 max.
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7.00
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12 mos.
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Calculator
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"Financial Responsibility Training" Loan (ages 13-18) ($200 max.)
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$200 max.
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5.00
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12 mos.
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Calculator
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Home Equity Line of Credit ******
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Variable rate tied to Prime
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6.00
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"Make Your Own Loan Rate" (80% share secured)
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80% share secured
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5.00
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48 mos.
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Calculator
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"Make Your Own Loan Rate" (60% share secured)
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60% share secured
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6.00
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48 mos.
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Calculator
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"Make Your Own Loan Rate" (40% share secured)
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40% share secured
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7.00
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48 mos.
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Calculator
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"Make Your Own Loan Rate" (20% share secured)
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20% share secured
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8.00
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48 mos.
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Calculator
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Stock Loans (50% of stock value)
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50% of stock value
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5.75
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24 mos.
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Calculator
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Stock Loans (50% of stock value)
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50% of stock value
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6.00
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36 mos.
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Calculator
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Stock Loans (50% of stock value)
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50% of stock value
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6.25
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48 mos.
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Calculator
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Stock Loans (80% of stock value)
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80% of stock value
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6.50
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24 mos.
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Calculator
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Stock Loans (80% of stock value)
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80% of stock value
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6.75
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36 mos.
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Calculator
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Stock Loans (80% of stock value)
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80% of stock value
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7.00
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48 mos.
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Calculator
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Stock Loans (80% of stock value)
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80% of stock value
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7.25
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60 mos.
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Calculator
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*APR = Annual Percentage Rate
** Variable Rates - effective 7/01/2010 - 7/30/2010
*** 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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