Cars
| Rate | APR as low as |
||
|---|---|---|---|
| New Cars, Trucks and Vans (2021 and Newer) | |||
| Up to 48 Months | as low as 6.49% | 7.90% |
|
| Up to 63 Months | as low as 6.99% | 8.09% |
|
| Up to 75 Months (loan minimum $15,000) | as low as 7.24% | 7.86% |
|
| Up to 84 Months (loan minimum $25,000) | as low as 7.99% | 8.33% |
|
| Used Cars, Trucks and Vans: | |||
| 2018-2020 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.) | as low as 7.99% | 8.62% |
|
| 2018-2020 - Up to 84 Months (loan minimum is $25,000) | as low as 8.74% | 9.08% |
|
| 2014-2017 - Up to 75 Months ($15,000 loan minimum for 61-75 months) | as low as 8.24% | 8.87% |
|
| 2014-2017 - Up to 84 Months (loan minimum is $25,000) | as low as 8.99% | 9.33% |
|
| 2013 and older - Up to 63 Months | as low as 8.49% | 9.61% |
|
Check out our unbeatable rates!
Recreational Vehicles
| Rate | APR 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% |
|
Check out our unbeatable rates!
Mortgages
| Rate | APR as low as |
||
|---|---|---|---|
| First Mortgage Loans | Rate varies call for personalized rate quote |
||
| Home Equity Loan (Fixed Rate) | |||
| Up to 70% LTV, 60 Months | as low as 6.25% | 7.74% | |
| Up to 70% LTV, 180 Months | as low as 7.25% | 7.83% | |
| Home Equity Loan (Fixed Rate) | |||
| Up to 80% LTV, 60 Months | as low as 6.75% | 8.25% | |
| Up to 80% LTV, 180 Months | as low as 7.75% | 8.34% | |
| Home Equity Loan (Fixed Rate) | |||
| Up to 90% LTV, 60 Months | as low as 7.75% | 9.26% | |
| Up to 90% LTV, 120 Months | as low as 8.75% | 9.36% | |
| Home Equity Line of Credit (Variable Rate): | |||
| Up to 70% LTV, 180 Months | as low as 7.50% | 8.08% | |
| Home Equity Line of Credit (Variable Rate): | |||
| Up to 80% LTV, 180 Months | as low as 7.50% | 8.08% | |
| Home Equity Line of Credit (Variable Rate): | |||
| Up to 90% LTV, 180 Months | as low as 8.00% | 8.59% | |
Check out our unbeatable rates!
Other
| Rate | APR as low as |
||
|---|---|---|---|
| Credit Card: | |||
| Platinum | as low as 12.24% | 12.24% | |
| Rewards | as low as 14.24% | 14.24% | |
| 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 14.50% | 14.50% |
|
| 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 |
|
Check out our unbeatable rates!
Savings Rates
| Annual % Rate* | Annual % Yield* |
||
|---|---|---|---|
| Insured Money Market Account* | |||
| $2,500 to $20,000 | 2.40% | 2.42% | |
| $20,001 to $100,000 | 2.65% | 2.68% | |
| $100,001 to $250,000 | 2.80% | 2.83% |
|
| $250,001 and above | 3.00% | 3.03% | |
| Regular and Club Savings | |||
| $5 and above | 0.05% | 0.05% | |
| IRA Money Market Account* | |||
| $0 to $20,000 | 2.40% | 2.42% | |
| $20,001 to $100,000 | 2.65% | 2.68% | |
| $100,001 to $250,000 | 2.80% | 2.83% | |
| $250,001 and above | 3.00% | 3.03% | |
| Rewarding Checking Dividend Rate *** | |||
| $0 to $2,500 | 2.25% | 2.27% | |
| Over $2,500 | 0.05% | 0.05% | |
Check out our unbeatable rates!
Annual % Rate WITH
| **Active Platinum | **Active Gold | **Silver & Prime 50 | Dividend: Annual % Rate | Dividend: Yield |
|||||
|---|---|---|---|---|---|---|---|---|---|
| HSA Accounts | |||||||||
| $0 to $2,499 | 0.45% | 0.35% | 0.10% | 0.10% | 0.10% | ||||
| $2,500 to $4,999 | 0.50% | 0.40% | 0.15% | 0.15% | 0.15% | ||||
| $5,000 and above | 0.55% | 0.45% | 0.20% | 0.20% | 0.20% | ||||
| Certificate Accounts | |||||||||
| 6 months ($500 minimum) | 4.35% | 4.25% | 4.15% | 4.00% | 4.06% | ||||
| 12 months ($500 minimum) | 4.60% | 4.50% | 4.40% | 4.25% | 4.32% | ||||
| 24 months ($500 minimum) | 4.30% | 4.20% | 4.10% | 3.95% | 4.01% | ||||
| 36 months ($500 minimum) | 4.30% | 4.20% | 4.10% | 3.95% | 4.01% | ||||
| 48 months ($500 minimum) | 4.25% | 4.15% | 4.05% | 3.90% | 3.96% | ||||
| 60 months ($500 minimum) | 4.20% | 4.10% | 4.00% | 3.85% | 3.91% | ||||
| IRA Certificate Accounts (Roth/Education/Traditional) | |||||||||
| 6 months ($500 minimum) | 4.35% | 4.25% | 4.15% | 4.00% | 4.06% | ||||
| 12 months ($500 minimum) | 4.60% | 4.50% | 4.40% | 4.25% | 4.32% | ||||
| 24 months ($500 minimum) | 4.30% | 4.20% | 4.10% | 3.95% | 4.01% | ||||
| 36 months ($500 minimum) | 4.30% | 4.20% | 4.10% | 3.95% | 4.01% | ||||
| 48 months ($500 minimum) | 4.25% | 4.15% | 4.05% | 3.90% | 3.96% | ||||
| 60 months ($500 minimum) | 4.20% | 4.10% | 4.00% | 3.85% | 3.91% | ||||
| Jumbo Certificates ($100,000 minimum) | |||||||||
| 18 months ($100,000 minimum) | 4.30% | 4.30% | 4.30% | 4.30% | 4.37% | ||||
| 30 months ($100,000 minimum) | 4.10% | 4.10% | 4.10% | 4.10% | 4.16% | ||||
Check out our unbeatable rates!
LENDING RATES DISCLOSURE
APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate =8.50% as of July 27. 2023
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