LOAN PAYMENT ONLINE BANKING
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RATES

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Effective October 31, 2019

Assumes 710 FICO score or greaterRate as low as*APR* as low as
New Cars, Trucks and Vans (2018 - 2019)
Up to 48 Months3.24%3.62%
Up to 63 Months3.74%4.03%
Up to 75 Months (loan min. $15,000)3.99%4.24%
Up to 84 Months (loan min. $25,000)4.74%4.97%
Used Cars, Trucks and Vans:
2015-2017 - Up to 75 Months ($15,000 loan min for 61-75 mos.) 4.24%4.41%
2015-2017 - Up to 84 Months ($25,000 loan min) 4.99%5.08%
2011-2014 - Up to 75 Months ($15,000 loan min for 61-75 mos.)4.49%4.66%
2011-2014 - Up to 84 Months ($25,000 loan min)5.24%5.34%
2010 and older - Up to 63 Months4.74%5.04%
 APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate = 4.75% as of October 31, 2019

Terms and Conditions

 

 

Effective October 31, 2019

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%5.96%
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 Months3.75%4.27%
Up to 80% LTV, 180 Months
4.00%4.53%
Up to 90% LTV, 180 Months4.25%4.78%

* APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate = 4.75% as of October 31, 2019

Terms and Conditions

 

Effective October 31, 2019

Assumes 740 FICO score or greater
Rate as low as*
APR* as low as
Credit Cards:
Platinum Credit Card
8.49%8.49%
Rewards Credit Card
10.49%10.49%
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:
Up to 60 Months
5.74%
6.05%
Up to 120 Months (loan minimum is $25,000)
6.24%
6.41%
Up to 180 Months (loan minimum is $35,000)6.74%6.77%
Used Boats, RVs, Campers, Motor Homes:
Up to 60 Months
5.99%
6.30%
Up to 120 Months (loan minimum is $25,000)
6.49%
6.65%
Up to 180 Months (loan minimum is $35,000)6.99%7.02%
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)
10.75%
10.75%
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 = 4.75% as of October 31, 2019

Terms and Conditions

 

Effective November 1, 2019

Insured Money Market Account*Annual % Rate*Annual % Yield*
$2,500 to 20,000 0.80% 0.80%
$ 20,001 to $100,0000.90%0.90%
$100,001 to $250,0001.00%1.00%
$250,001 and above1.10%1.10%
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 $ 20,0000.80%0.80%
$20,001 to $100,0000.90%0.90%
$100,001 to $250,0001.00%1.00%
$250,001 and above1.10%1.10%
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)1.80%1.70% 1.60%1.45% 1.46%
12 months ($500 minimum)2.00% 1.90% 1.80% 1.65% 1.66%
24 months ($500 minimum) 2.20% 2.10% 2.00% 1.85%1.86%
36 months ($500 minimum) 2.35% 2.25% 2.15% 2.00% 2.02%
48 months ($500 minimum) 2.45% 2.35% 2.25% 2.10% 2.12%
60 months ($500 minimum) 2.50% 2.40% 2.30% 2.15% 2.17%
IRA Certificate Accounts (Roth/Education/Traditional)
6 months ($500 minimum) 1.80% 1.70% 1.60% 1.45% 1.46%
12 months ($500 minimum) 2.00% 1.90% 1.80% 1.65% 1.66%
24 months ($500 minimum) 2.20% 2.10% 2.00% 1.85% 1.86%
36 months ($500 minimum) 2.35% 2.25% 2.15% 2.00% 2.02%
48 months ($500 minimum) 2.45% 2.35% 2.25% 2.10% 2.12%
60 months ($500 minimum) 2.50% 2.40% 2.30% 2.15% 2.17%
Jumbo Certificates ($100,000 minimum)
18 months ($100,000 minimum)1.80%1.80%1.80%1.80%1.81%
30 months ($100,000 minimum)2.05%2.05%2.05%2.05%2.07%

**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 November 1, 2019
To obtain current rate information, please call:
513-530-9351 or 800-553-5513