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Rates
*APY = Annual Percentage Yield. Rates effective 7/1/26 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.
*APR = Annual Percentage Rate. Rates are based on credit rating and are subject to normal credit approval. Rates effective 6/1/26 and are subject to change without notice. As low as rates are based on a credit score of 740+, a loan-to-value less than 80% and include discounts for at least two of the following services: ECU direct deposit, GAP insurance, Mechanical breakdown insurance, credit life/disability insurance or an insurance policy through Educators Insurance Services. Rate stated is for a 25-month term, 2020 model or newer. PAYMENT EXAMPLE: $41.75 per $1,000 financed at 3.99% for 25 months. Other rates and terms available. Excludes existing ECU loans and Indirect loans. Certain restrictions apply. ECU membership required. Federally Insured by NCUA.
**Two (2) winners will be randomly selected to each win $250. All funded auto loans from July 1 - July 31 will act as your automatic entry into the drawing. Winners are responsible for all applicable taxes. Must be an ECU member to enter. No purchase necessary to enter or win. Visit any branch to enter your name. Winners will announced on August 5, 2026.
Loan Rates
| Auto Loans (rates effective 10/1/25) | APR* | Term in Months |
|---|---|---|
| New Automobile | 4.99% | 66 |
| New Automobile (exceeding $18,000) | 5.24% | 67-75 |
| New Automobile (over $25,000) | 6.69% | 84 |
| Used Automobile 2020-2026 | 4.99% | 66 |
| Used Automobile 2020-2026 (less than 75K miles) | 5.24% | 67-75 |
| Used Automobile 2020-2026 (over $25,000, less than 40K miles, non-current year) | 6.69% | 84 |
| Used Automobile 2016 to 2019 | 7.19% | 48 |
| Boat, RV, Motorcycle Loans | APR* | Term in Months |
|---|---|---|
| New or Used 2019-2025 | 7.20% | 63 |
| New or Used 2019-2025 (exceeding $18,000) Boat or RV Only | 8.20% | 64-75 |
| Used 2018 and older | 9.95% | 48 |
| Personal Loans | APR* | Term in Months |
|---|---|---|
| Signature | 11.94% | 63 |
| 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 |
| MasterCard(reg) Credit Cards | APR* | Term |
|---|---|---|
| Platinum MasterCard(reg) | 9.75% | 1 |
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
| 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 |
| 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 |
| 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 |
**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
| 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 |
**Minimum opening deposit for 6 month CD $5,000.