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Lending & Savings Rates

Cars
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Recreational Vehicles
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Mortgages
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Other Loans
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Deposit Rates
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Cars

RateAPR
as low as
New Cars, Trucks and Vans (2022 and Newer)
Up to 48 Monthsas low as 5.49%
6.89%
Up to 63 Monthsas low as 5.99%
7.08%
Up to 75 Months (loan minimum $15,000)as low as 6.24%
6.85%
Up to 84 Months (loan minimum $25,000)as low as 6.99%
7.32%
Used Cars, Trucks and Vans:
2018-2021 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.)
as low as 7.49%
8.11%
2018-2021 - Up to 84 Months (loan minimum is $25,000)
as low as 8.24%
8.58%
2014-2017 - Up to 75 Months ($15,000 loan minimum for 61-75 months)
as low as 7.74%8.36%
2014-2017 - Up to 84 Months (loan minimum is $25,000)
as low as 8.49%
8.83%
2013 and older - Up to 63 Months
as low as 7.99%
9.10%

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Recreational Vehicles

RateAPR
as low as
New Motorcycles:
Up to 60 Months
as low as 6.74%
7.89%
Up to 72 Months
as low as 7.24%
8.22%
Used Motorcycles:
Up to 60 Months
as low as 7.49%8.65%
New Boats, RVs, Campers, Motor Homes:
Up to 60 Months
as low as 8.24%
9.40%
Up to 120 Months (loan minimum is $25,000)
as low as 8.74%
8.99%
Up to 180 Months (loan minimum is $35,000)
as low as 9.24%
9.37%
Used Boats, RVs, Campers, Motor Homes:
Up to 60 Months
as low as 8.49%
9.66%
Up to 120 Months (loan minimum is $25,000)
as low as 8.99%
9.24%
Up to 180 Months (loan minimum is $35,000)
as low as 9.49%
9.62%
New / Used ATV or other Titled Vehicle:
Up to 60 Months
as low as 7.99%
9.15%

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Mortgages

RateAPR
as low as
First Mortgage LoansRate varies call for personalized rate quote
Home Equity Loan (Fixed Rate)
Up to 70% LTV, 60 Monthsas low as 6.25%7.74%
Up to 70% LTV, 180 Monthsas low as 7.25%
7.83%
Home Equity Loan (Fixed Rate)
Up to 80% LTV, 60 Monthsas low as 6.75%8.25%
Up to 80% LTV, 180 Monthsas low as 7.75%8.34%
Home Equity Loan (Fixed Rate)
Up to 90% LTV, 60 Monthsas low as 7.75%9.26%
Up to 90% LTV, 120 Monthsas low as 8.75%9.36%
Home Equity Line of Credit (Variable Rate):
Up to 70% LTV, 180 Monthsas low as 6.25%6.81%
Home Equity Line of Credit (Variable Rate):
Up to 80% LTV, 180 Monthsas low as 6.25%6.81%
Home Equity Line of Credit (Variable Rate):
Up to 90% LTV, 180 Monthsas low as 6.75%7.32%

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Other

RateAPR
as low as
Credit Card:
Platinumas low as 10.99%10.99%
Rewards
as low as 12.99%12.99%
Credit Builder Loan (Up to $2,000 / 24 months): as low as 12.99%14.26%
Personal Loan (Up to $25,000):
Up to 36 Months
as low as 8.99%
10.34%
Up to 48 Months
as low as 9.99%
11.03%
Up to 60 Months
as low as 10.99%
11.85%
Overdraft Protection (Up to $2,500):
as low as 13.25%
13.25%
Stock Secured:
Up to 60 Months
as low as 4.99%
5.80%
Up to 84 Months
as low as 5.99%
6.59%
Certificate Account Secured:
Term equals the term of Certificate
as low as 2% + Certificate Rate
TBD

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Savings Rates

Annual %
Rate*		Annual %
Yield*
Insured Money Market Account*
$2,500 to $20,0002.05%2.07%
$20,001 to $100,0002.30% 2.32%
$100,001 to $250,0002.55%
2.58%
$250,001 and above2.90%2.93%
Regular and Club Savings
$5 and above0.05%0.05%
IRA Money Market Account*
$0 to $20,0002.05%2.07%
$20,001 to $100,0002.30%2.32%
$100,001 to $250,0002.55%2.58%
$250,001 and above2.90%2.93%
Rewarding Checking Dividend Rate ***
$0 to $2,5002.25%2.27%
Over $2,5000.05%0.05%

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Annual % Rate WITH

**Active
Platinum		**Active
Gold		**Silver &
Prime 50		Dividend:
Annual % Rate		Dividend:
Yield
HSA Accounts
$0 to $2,4990.45%0.35%0.10%0.10%0.10%
$2,500 to $4,9990.50%0.40%0.15%0.15%0.15%
$5,000 and above0.55%0.45%0.20%0.20%0.20%
Certificate Accounts
6 months ($500 minimum)3.44%3.40%3.20%3.20%3.25%
12 months ($500 minimum)3.94%3.89%3.70%3.70%3.75%
24 months ($500 minimum)3.84%3.80%3.60%3.60%3.65%
36 months ($500 minimum)3.75%3.70%3.50%3.50%3.55%
48 months ($500 minimum)3.65%3.60%3.40%3.40%3.45%
60 months ($500 minimum)3.54%3.49%3.30%3.30%3.35%
IRA Certificate Accounts (Roth/Education/Traditional)
6 months ($500 minimum)3.44%3.40%3.20%3.20%3.25%
12 months ($500 minimum)3.94%3.89%3.70%3.70%3.75%
24 months ($500 minimum)3.84%3.80%3.60%3.60%3.65%
36 months ($500 minimum)3.75%3.70%3.50%3.50%3.55%
48 months ($500 minimum)3.65%3.60%3.40%3.40%3.45%
60 months ($500 minimum)3.54%3.49%3.30%3.30%3.35%
Jumbo Certificates ($100,000 minimum)
18 months ($100,000 minimum)3.70%3.70%3.70%3.70%3.75%
30 months ($100,000 minimum)3.50%3.50%3.50%3.50%3.55%

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LENDING RATES DISCLOSURE
APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate =7.25% as of September 18, 2025

Loan Terms & Conditions
Savings Terms & Conditions
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