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RATES

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Effective March 21, 2017

Assumes 740 FICO score or greaterRate as low as*APR* as low as
New Cars, Trucks and Vans (2016 - 2017 models)
Up to 48 Months2.24%2.49%
Up to 60 Months2.74%2.94%
Up to 72 Months (loan min. $15,000)3.24%3.35%
Up to 84 Months (loan min. $25,000)3.74%3.80%
Used Cars, Trucks and Vans:
2013-2015 - Up to 72 Months ($15,000 loan min. for 61-72 mos.)3.49%3.69%
2009-2012 - Up to 72 Months ($15,000 loan min. for 61-72 mos.)3.99%4.10%
2008 and older - Up to 60 Months4.24%4.45%
* APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate = 4.00% as of March 21, 2017

Terms and Conditions

Effective June 16, 2017

Assumes 740 FICO score or greaterRate as low as*APR* as low as
First Mortgage Loans
First Mortgage LoansRate varies - call for personalized rate quote
Home Equity Loan (Fixed Rate)
Up to 80% LTV, 60 Months
3.99%4.50%
Up to 80% LTV, 180 Months4.99%5.18%
Home Equity Loan (Fixed Rate)4.16%
Up to 90% LTV, 60 Months
4.99%5.51%
Up to 90% LTV, 120 Months5.99%6.27%
Emerline (Variable Rate)
Up to 70%, LTV, 180 Months4.25%4.25%
Up to 80% LTV, 180 Months
5.75%5.75%
Up to 90% LTV, 180 Months4.75%4.75%
* APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087

Terms and Conditions

Effective March 21, 2017

Assumes 740 FICO score or greater
Rate as low as*
APR* as low as
Credit Cards:
Platinum Credit Card
7.99%7.99%
Rewards Credit Card
9.99%9.99%
New Motorcycles:
Up to 60 Months3.49%3.69%
Up to 72 Months
3.99%4.16%
Used Motorcycles:
Up to 60 Months
4.24%
4.45%
New Boats, RVs, Campers, Motor Homes (10% down):
Up to 60 Months
4.49%
4.70%
Up to 120 Months
4.99%
5.10%
Used Boats, RVs, Campers, Motor Homes (10% down)
Up to 60 Months
5.49%
5.70%
Signature Loan Options:
Unsecured Loan (Up to $25,000 / 60 months)
8.99%
9.20%
Credit Builder Loan (Up to $4,000 / 24 months)
12.99%
14.27%
Execuline Line of Credit (up to $10,000)
10.00%
10.00%
Overdraft Protection (Up to $2,500)
10.25%
10.25%
Secured Loan Options:
Stocks:
Up to 60 Months
4.99%
5.20%
Up to 84 Months
5.99%
6.14%
Share Certificates:
Term equals the term of the Certificate
2% + Certificate Rate
TBD
* APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate = 4.00% as of June 16, 2017

Terms and Conditions

Effective June 21, 2017

Insured Money Market Account*Annual % Rate*Annual % Yield*
$2,500 to 20,000 0.15% 0.15%
$ 20,001 to $100,0000.20%0.20%
$100,001 to $250,0000.25%0.25%
$250,001 and above0.30%0.30%
Regular and Club Savings*
$5 and above0.10%0.10%
HSA Accounts
$0 ‐ $2,4990.10%0.10%
$2,500 - $4,9990.15%0.15%
$5,000 and above0.20%0.20%
IRA Money Market Account*
$0 to $ 20,0000.15%0.15%
$20,001 to $100,0000.20%0.20%
$100,001 to $250,0000.25%0.25%
$250,001 and above0.30%0.30%

Annual % Rate WITH

Certificate Accounts**Active Platinum**Active GoldSilver and **PrimeDividend: Annual % RateDividend: Yield
6 months ($500 minimum)0.85% 0.75% 0.65%0.50% 0.50%
12 months ($500 minimum)1.15% 1.05% 0.95% 0.80% 0.80%
24 months ($500 minimum) 1.45% 1.35% 1.25% 1.10%1.11%
36 months ($500 minimum) 1.65% 1.55% 1.45% 1.30% 1.31%
48 months ($500 minimum) 1.95% 1.85% 1.75% 1.60% 1.61%
60 months ($500 minimum) 2.25% 2.15% 2.05% 1.90% 1.92%
IRA Certificate Accounts (Roth/Education/Traditional)
6 months ($500 minimum) 0.85% 0.75% 0.65% 0.50% 0.50%
12 months ($500 minimum) 1.15% 1.05% 0.95% 0.80% 0.80%
24 months ($500 minimum) 1.45% 1.35% 1.25% 1.10% 1.11%
36 months ($500 minimum) 1.65% 1.55% 1.45% 1.30% 1.31%
48 months ($500 minimum) 1.95% 1.85% 1.75% 1.60% 1.61%
60 months ($500 minimum) 2.25% 2.15% 2.05% 1.90% 1.92%

**You can only receive one of the above special rates.
**Active Silver have a checking account or credit card.
**Active Gold have a checking account, direct deposit of $500+ and either a loan, certificate or active credit card.
**Active Platinum have a checking account, active credit card and either $1500+ loan or certificate.
Certificate Accounts will impose a penalty for early withdrawal.
Emery Federal Credit Union is Federally Insured By
National Credit Union Administration in the amount of $250,000
Rates are subject to change without notice.
Revised June 21, 2017
To obtain current rate information, please call:
513-530-9351 or 800-553-5513