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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 4.625
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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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- - -
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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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MasterCard Credit Card ****
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non-variable rate
fixed rate
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9.25 - 18.00
9.50 - 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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(2004 - current year)
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2.80 - 14.00
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01 - 36 mos.
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Calculator
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New & Used Vehicles (Auto)
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(2004 - current year)
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3.24 - 14.00
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37 - 63 mos.
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Calculator
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New & Used Vehicles (Auto)
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(2004 - current year)
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3.74 - 14.00
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64 - 75 mos.
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Calculator
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New & Used Recreational Vehicles (Motor Homes, Travel Trailers & Boats)
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2004 -2011
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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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2005-2011 (min. loan of $25,000)
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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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2007-2011 (min. loan of $35,000) |
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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2010 -2011
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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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2007-2009
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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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2005-2006
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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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2004
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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) *****
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$2,000 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)
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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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3.25
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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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3.50
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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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3.75
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48 mos.
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Calculator
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| Stock Loans (50% of stock value) |
50% of stock value
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4.00
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60 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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| Stock Loans (Line of Credit 60 Month Balloon) |
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4.50
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60 mos.
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Calculator
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| Stock Loans (Line of Credit 180 Month Balloon) |
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5.00
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180 mos.
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Calculator
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| Stock Loans (Line of Credit 240 Month Balloon) |
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5.50
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180 mos.
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Calculator
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*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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