Advance Child Tax Credit Payments

Emery is posting Advance Child Tax Credit Payments as soon as the funds are received. For more information, visit the IRS website by clicking here.
LOAN PAYMENT ONLINE BANKING
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RATES

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Effective June 23, 2021

Assumes 710 FICO score or greaterRate as low as*APR* as low as
New Cars, Trucks and Vans (2018 and Newer)
Up to 48 Months1.99%2.49%
Up to 63 Months2.49%2.88%
Up to 75 Months (loan min. $15,000)2.74%2.96%
Up to 84 Months (loan min. $25,000)3.49%3.61%
Used Cars, Trucks and Vans:
2015-2017 - Up to 75 Months ($15,000 loan min for 61-75 mos.) 3.74%3.96%
2015-2017 - Up to 84 Months ($25,000 loan min) 4.49%4.61%
2011-2014 - Up to 75 Months ($15,000 loan min for 61-75 mos.)3.99%4.21%
2011-2014 - Up to 84 Months ($25,000 loan min)4.74%4.86%
2010 and older - Up to 63 Months4.24%4.63%
 APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate = 3.25% as of March 16, 2020

Terms and Conditions

 

 

Effective June 23, 2021

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 70% LTV, 60 months3.99%5.45%
Up to 70% LTV, 180 months4.99%5.53%
Home Equity Loan (Fixed Rate)
Up to 80% LTV, 60 Months
4.49%5.95%
Up to 80% LTV, 180 Months5.49%6.04%
Home Equity Loan (Fixed Rate)
Up to 90% LTV, 60 Months
5.49%6.97%
Up to 90% LTV, 120 Months6.49%7.29%
Emerline (Variable Rate)
Up to 70%, LTV, 180 Months3.25%3.77%
Up to 80% LTV, 180 Months
4.00%4.53%
Up to 90% LTV, 180 Months4.00%4.53%

* APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate = 3.25% as of March 16, 2020

Terms and Conditions

 

Effective June 23, 2021

Assumes 740 FICO score or greater
Rate as low as*
APR* as low as
Credit Cards:
Platinum Credit Card
6.99%6.99%
Rewards Credit Card
8.99%8.99%
New Motorcycles:
Up to 60 Months4.49%4.90%
Up to 72 Months
4.99%5.34%
Used Motorcycles:
Up to 60 Months
5.24%
5.66%
New Boats, RVs, Campers, Motor Homes:
Up to 60 Months
4.74%
5.15%
Up to 120 Months (loan minimum is $25,000)
5.24%
5.33%
Up to 180 Months (loan minimum is $35,000)5.74%5.78%
Used Boats, RVs, Campers, Motor Homes:
Up to 60 Months
4.99%
5.41%
Up to 120 Months (loan minimum is $25,000)
5.49%
5.58%
Up to 180 Months (loan minimum is $35,000)5.99%6.03%
New/Used ATV or other Titled Vehicle:
Up to 60 months7.99%8.42%
Signature Loan (Up to $25,000)
Up to 36 months
8.99%
9.68%
Up to 48 months9.99%
10.52%
Up to 60 months10.99%
11.43%
Credit Builder Loan (Up to $2,000 / 24 months)
12.99%
14.26%
Execuline Line of Credit (up to $10,000)
10.00%
10.00%
Overdraft Protection (Up to $2,500)
9.25%
9.25%
Secured Loan Options:
Stocks:
Up to 60 Months
4.99%
5.41%
Up to 84 Months
5.99%
6.30%
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 = 3.25% as of March 16, 2020

Terms and Conditions

 

Effective January 25, 2021 

Insured Money Market Account*Annual % Rate*Annual % Yield*
$2,500 to 20,000 0.10% 0.10%
$ 20,001 to $100,0000.15%0.15%
$100,001 to $250,0000.20%0.20%
$250,001 and above0.25%0.25%
Regular and Club Savings*
$5 and above0.05%0.05%
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 $ 20,0000.10%0.10%
$20,001 to $100,0000.15%0.15%
$100,001 to $250,0000.20%0.20%
$250,001 and above0.25%0.25%
Rewards Checking Dividend Rate***
$0 to $2,5001.75%
Over $2,5000.10%

Annual % Rate WITH

Certificate Accounts**Active Platinum**Active GoldSilver and **PrimeDividend: Annual % RateDividend: Yield
6 months ($500 minimum)0.50%0.40% 0.30%0.15% 0.15%
12 months ($500 minimum)0.65% 0.55% 0.45% 0.30% 0.30%
24 months ($500 minimum) 0.85% 0.75% 0.65% 0.50%0.50%
36 months ($500 minimum) 0.90% 0.80% 0.70% 0.55% 0.55%
48 months ($500 minimum) 1.00% 0.90% 0.80% 0.65% 0.65%
60 months ($500 minimum) 1.15% 1.05% 0.95% 0.80% 0.80%
IRA Certificate Accounts (Roth/Education/Traditional)
6 months ($500 minimum) 0.50% 0.40% 0.30% 0.15% 0.15%
12 months ($500 minimum) 0.65% 0.55% 0.45% 0.30% 0.30%
24 months ($500 minimum) 0.85% 0.75% 0.65% 0.50% 0.50%
36 months ($500 minimum) 0.90% 0.80% 0.70% 0.55% 0.55%
48 months ($500 minimum) 1.00% 0.90% 0.80% 0.65% 0.65%
60 months ($500 minimum) 1.15% 1.05% 0.95% 0.80% 0.80%
Jumbo Certificates ($100,000 minimum)
18 months ($100,000 minimum)0.60%0.60%0.60%0.60%0.60%
30 months ($100,000 minimum)0.75%0.75%0.75%0.75%0.75%

**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 January 25, 2021
To obtain current rate information, please call:
513-530-9351 or 800-553-5513