|
Loans | Savings | Certificates
| Loans |
Stipulations |
APR*
|
Term |
|
| Share (savings) secured-variable* |
|
2.00 |
144 mos. |
Calculator |
| Share (savings) secured |
|
2.50 |
48 mos. |
Calculator |
| Real Estate-variable** |
|
6.00 |
180 mos. |
Calculator |
| Residential-variable*** |
|
6.00 |
360 mos. |
Calculator |
| Residential-Fixed |
Call For Rates |
0.00 |
n/a |
Calculator |
| Mobile Home-variable (with property)** |
with property |
6.00 |
180 mos. |
Calculator |
| Mobile Home-variable (without property)** |
without property |
9.00 |
96 mos. |
Calculator |
| RVs-variable (new & used)** |
|
7.00 |
96 mos. |
Calculator |
| Credit Card (MasterCard) - non-variable rate**** |
non-variable |
8.00 - 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 |
| Vehicles, Boats, etc. |
|
4.94-11.50 |
up to 63 mos. |
Calculator |
| Vehicles, Boats, etc. |
|
5.74-11.75 |
64-72 mos. |
Calculator |
| Vehicles, Boats, etc. |
|
5.99-12.20 |
72-75 mos. |
Calculator |
| Used Autos: 2003-2006 |
|
5.14-11.50 |
up to 63 mos. |
Calculator |
| Used Autos: 2003-2006 |
|
6.04-11.75 |
64-66 mos. |
Calculator |
Used car mileage 75,000 to 100,000: max term 36 months.
Used car age 7 years: max term 36 months. |
|
|
|
|
| "Get a Start" Loan (ages 17-23) ($2000 max.) ***** |
$2000 max. |
7.00 |
12 mos. |
Calculator |
| "Financial Responsibility Training" Loan (ages 13-18) ($200 max.) |
$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 |
5.75 |
24 mos. |
Calculator |
| Stock Loans (50% of stock value) |
50% of stock value |
6.00 |
36 mos. |
Calculator |
| Stock Loans (50% of stock value) |
50% of stock value |
6.25 |
48 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 |
|
*APR = Annual Percentage Rate
** Variable Rates - effective 3/01/2010 - 3/31/2010
*** 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.
|
Dividends for the month of March to be posted:
March 31, 2010 |
| 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
|
0.50 |
n/a |
| HSA Checking ($10,000 +) |
$10,000.00
|
0.75 |
n/a |
| IRA Flex** |
$250.00
|
1.00 |
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
|
1.10 |
n/a |
| Money Market Checking ($2,500 - $9,999.99) |
$2,500.00
|
0.50 |
n/a |
| Money Market Checking ($10,000 - $24,999.99) |
$10,000.00
|
0.65 |
n/a |
| Money Market Checking ($25,000 - $49,999.99) |
$25,000.00
|
0.75 |
n/a |
| Money Market Checking ($50,000 and over) |
$50,000.00
|
1.00 |
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 |
1.00 |
6 mos. |
| Share Certificates** |
$500.00 |
1.25 |
12 mos. |
| Share Certificates** |
$500.00 |
1.35 |
18 mos. |
| Share Certificates** |
$500.00 |
2.00 |
24 mos. |
| Share Certificates** |
$500.00 |
2.50 |
36 mos. |
| Share Certificates** |
$500.00 |
2.75
|
48 mos. |
| Share Certificates** |
$500.00 |
3.05 |
60 mos. |
| IRA Certificates** |
$250.00 |
1.10
|
6 mos. |
| IRA Certificates** |
$250.00 |
1.35 |
12 mos. |
| IRA Certificates** |
$250.00 |
1.45 |
18 mos. |
| IRA Certificates** |
$250.00 |
2.10 |
24 mos. |
| IRA Certificates** |
$250.00 |
2.60 |
36 mos. |
| IRA Certificates** |
$250.00 |
2.85 |
48 mos. |
| IRA Certificates** |
$250.00 |
3.15 |
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.
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