Rate | APR as low as |
||
---|---|---|---|
New Cars, Trucks and Vans (2018 and Newer) | |||
Up to 48 Months | as low as 4.99% | 6.23% |
|
Up to 63 Months | as low as 5.49% | 6.46% |
|
Up to 75 Months (loan minimum $15,000) | as low as 5.74% | 6.29% |
|
Up to 84 Months (loan minimum $25,000) | as low as 6.49% | 6.79% |
|
Used Cars, Trucks and Vans: | |||
2015-2017 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.) | as low as 6.49% | 7.04% |
|
2015-2017 - Up to 84 Months (loan minimum is $25,000) | as low as 7.24% | 7.54% |
|
2011-2014 - Up to 75 Months ($15,000 loan minimum for 61-75 months) | as low as 6.74% | 7.29% |
|
2011-2014 - Up to 84 Months (loan minimum is $25,000) | as low as 7.49% | 7.79% |
|
2010 and older - Up to 63 Months | as low as 6.99% | 7.97% |
|
Rate | APR as low as |
||
---|---|---|---|
New Motorcycles: | |||
Up to 60 Months | as low as 5.24% | 6.25% |
|
Up to 72 Months | as low as 5.74% | 6.59% |
|
Used Motorcycles: | |||
Up to 60 Months | as low as 5.99% | 7.01% | |
New Boats, RVs, Campers, Motor Homes: | |||
Up to 60 Months | as low as 6.74% | 7.76% |
|
Up to 120 Months (loan minimum is $25,000) | as low as 7.24% | 7.46% |
|
Up to 180 Months (loan minimum is $35,000) | as low as 7.74% | 7.85% |
|
Used Boats, RVs, Campers, Motor Homes: | |||
Up to 60 Months | as low as 6.99% | 8.01% |
|
Up to 120 Months (loan minimum is $25,000) | as low as 7.49% | 7.71% |
|
Up to 180 Months (loan minimum is $35,000) | as low as 7.99% | 8.10% |
|
New / Used ATV or other Titled Vehicle: | |||
Up to 60 Months | as low as 7.99% | 9.02% |
|
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 5.25% | 6.73% | |
Up to 70% LTV, 180 Months | as low as 6.25% | 6.81% | |
Home Equity Loan (Fixed Rate) | |||
Up to 80% LTV, 60 Months | as low as 5.75% | 7.23% | |
Up to 80% LTV, 180 Months | as low as 6.75% | 7.32% | |
Home Equity Loan (Fixed Rate) | |||
Up to 90% LTV, 60 Months | as low as 6.75% | 8.25% | |
Up to 90% LTV, 120 Months | as low as 7.75% | 8.34% | |
Home Equity Line of Credit (Variable Rate): | |||
Up to 70% LTV, 180 Months | as low as 6.50% | 7.07% | |
Home Equity Line of Credit (Variable Rate): | |||
Up to 80% LTV, 180 Months | as low as 6.50% | 7.07% | |
Home Equity Line of Credit (Variable Rate): | |||
Up to 90% LTV, 180 Months | as low as 7.00% | 7.58% | |
Rate | APR as low as |
||
---|---|---|---|
Credit Card: | |||
Platinum | as low as 11.24% | 11.24% | |
Rewards | as low as 13.24% | 13.24% | |
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 13.50% | 13.50% |
|
Execuline Line of Credit ($10,000 maximim): | as low as 10.50% | 10.50% |
|
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 |
|
Annual % Rate* | Annual % Yield* |
||
---|---|---|---|
Insured Money Market Account* | |||
$2,500 to $20,000 | 1.00% | 1.00% | |
$20,001 to $100,000 | 1.30% | 1.31% | |
$100,001 to $250,000 | 1.65% | 1.66% |
|
$250,001 and above | 2.00% | 2.02% | |
Regular and Club Savings | |||
$5 and above | 0.05% | 0.05% | |
IRA Money Market Account* | |||
$0 to $20,000 | 1.00% | 1.00% | |
$20,001 to $100,000 | 1.30% | 1.31% | |
$100,001 to $250,000 | 1.65% | 1.66% | |
$250,001 and above | 2.00% | 2.02% | |
Rewarding Checking Dividend Rate *** | |||
$0 to $2,500 | 1.75% | 1.75% | |
Over $2,500 | 0.10% | 0.10% | |
**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) | 3.55% | 3.45% | 3.35% | 3.20% | 3.24% | ||||
12 months ($500 minimum) | 3.80% | 3.70% | 3.60% | 3.45% | 3.49% | ||||
24 months ($500 minimum) | 4.00% | 3.90% | 3.80% | 3.65% | 3.70% | ||||
36 months ($500 minimum) | 4.10% | 4.00% | 3.90% | 3.75% | 3.80% | ||||
48 months ($500 minimum) | 4.15% | 4.05% | 3.95% | 3.80% | 3.85% | ||||
60 months ($500 minimum) | 4.20% | 4.10% | 4.00% | 3.85% | 3.91% | ||||
IRA Certificate Accounts (Roth/Education/Traditional) | |||||||||
6 months ($500 minimum) | 3.55% | 3.45% | 3.35% | 3.20% | 3.24% | ||||
12 months ($500 minimum) | 3.80% | 3.70% | 3.60% | 3.45% | 3.49% | ||||
24 months ($500 minimum) | 4.00% | 3.90% | 3.80% | 3.65% | 3.70% | ||||
36 months ($500 minimum) | 4.10% | 4.00% | 3.90% | 3.75% | 3.80% | ||||
48 months ($500 minimum) | 4.15% | 4.05% | 3.95% | 3.80% | 3.85% | ||||
60 months ($500 minimum) | 4.20% | 4.10% | 4.00% | 3.85% | 3.91% | ||||
Jumbo Certificates ($100,000 minimum) | |||||||||
18 months ($100,000 minimum) | 4.00% | 4.00% | 4.00% | 4.00% | 4.06% | ||||
30 months ($100,000 minimum) | 4.10% | 4.10% | 4.10% | 4.10% | 4.16% | ||||
LENDING RATES DISCLOSURE
APR = Annual Percentage Rate
Emery Federal Credit Union is an equal housing lender, NMLS # 401087
Wall Street Journal Prime Rate =7.50% as of December 15, 2022
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