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RATES

 

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Effective November 1, 2018

Assumes 710 FICO score or greaterRate as low as*APR* as low as
New Cars, Trucks and Vans (2017 - 2018)
Up to 48 Months3.49%3.87%
Up to 60 Months3.99%4.30%
Up to 72 Months (loan min. $15,000)4.24%4.41%
Up to 84 Months (loan min. $25,000)4.99%5.08%
Used Cars, Trucks and Vans:
2014-2016 - Up to 72 Months ($15,000 loan min for 61-72 mos.) 4.49%4.66%
2014-2016 - Up to 84 Months ($25,000 loan min) 5.24%5.33%
2010-2013 - Up to 72 Months ($15,000 loan min for 61-72 mos.)4.74%4.91%
2010-2013 - Up to 84 Months ($25,000 loan min)5.49%5.58%
2009 and older - Up to 60 Months4.99%5.30%
 APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate = 5.25% as of September 27, 2018

Terms and Conditions

 

 

Effective October 1, 2018

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%4.30%
Up to 70% LTV, 180 months4.99%5.11%
Home Equity Loan (Fixed Rate)
Up to 80% LTV, 60 Months
4.49%4.80%
Up to 80% LTV, 180 Months5.49%5.61%
Home Equity Loan (Fixed Rate)
Up to 90% LTV, 60 Months
5.49%5.80%
Up to 90% LTV, 120 Months6.49%6.65%
Emerline (Variable Rate)
Up to 70%, LTV, 180 Months4.25%4.70%
Up to 80% LTV, 180 Months
4.25%4.70%
Up to 90% LTV, 180 Months4.75%5.21%

* APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate = 5.25% as of September 27, 2018

Terms and Conditions

 

Effective October 1, 2018

Assumes 740 FICO score or greater
Rate as low as*
APR* as low as
Credit Cards:
Platinum Credit Card
8.99%8.99%
Rewards Credit Card
10.99%10.99%
New Motorcycles:
Up to 60 Months4.49%4.80%
Up to 72 Months
4.99%5.25%
Used Motorcycles:
Up to 60 Months
5.24%
5.55%
New Boats, RVs, Campers, Motor Homes (10% down):
Up to 60 Months
5.74%
6.05%
Up to 120 Months
6.24%
6.41%
Used Boats, RVs, Campers, Motor Homes (10% down)
Up to 60 Months
5.99%
6.30%
Up to 120 Months
6.49%
6.65%
New/Used ATV or other Titled Vehicle:
Up to 60 months7.99%8.31%
Signature Loan (Up to $25,000)
Up to 36 months
8.99%
9.51%
Up to 48 months9.99%
10.39%
Up to 60 months10.99%
11.32%
Credit Builder Loan (Up to $2,000 / 24 months)
12.99%
14.27%
Execuline Line of Credit (up to $10,000)
10.00%
10.00%
Overdraft Protection (Up to $2,500)
11.25%
11.25%
Secured Loan Options:
Stocks:
Up to 60 Months
4.99%
5.30%
Up to 84 Months
5.99%
6.22%
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 = 5.25% as of September 27, 2018

Terms and Conditions

 

Effective October 18, 2018

Insured Money Market Account*Annual % Rate*Annual % Yield*
$2,500 to 20,000 0.70% 0.70%
$ 20,001 to $100,0000.80%0.80%
$100,001 to $250,0000.90%0.90%
$250,001 and above1.00%1.00%
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 $ 20,0000.40%0.40%
$20,001 to $100,0000.50%0.50%
$100,001 to $250,0000.60%0.60%
$250,001 and above0.65%0.65%

Annual % Rate WITH

Certificate Accounts**Active Platinum**Active GoldSilver and **PrimeDividend: Annual % RateDividend: Yield
6 months ($500 minimum)1.65%1.55% 1.45%1.30% 1.31%
12 months ($500 minimum)1.90% 1.80% 1.70% 1.55% 1.56%
24 months ($500 minimum) 2.30% 2.20% 2.10% 1.95%1.96%
36 months ($500 minimum) 2.55% 2.45% 2.35% 2.20% 2.22%
48 months ($500 minimum) 2.75% 2.65% 2.55% 2.40% 2.42%
60 months ($500 minimum) 3.00% 2.90% 2.80% 2.65% 2.68%
IRA Certificate Accounts (Roth/Education/Traditional)
6 months ($500 minimum) 1.65% 1.55% 1.45% 1.30% 1.31%
12 months ($500 minimum) 1.90% 1.80% 1.70% 1.55% 1.56%
24 months ($500 minimum) 2.30% 2.20% 2.10% 1.95% 1.96%
36 months ($500 minimum) 2.55% 2.45% 2.35% 2.20% 2.22%
48 months ($500 minimum) 2.75% 2.65% 2.55% 2.40% 2.42%
60 months ($500 minimum) 3.00% 2.90% 2.80% 2.65% 2.68%

**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 October 18, 2018
To obtain current rate information, please call:
513-530-9351 or 800-553-5513