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

 Rate APR
as low as
New Cars, Trucks and Vans (2018 and Newer)
Up to 48 Monthsas low as 1.99%
2.49%
Up to 63 Monthsas low as 2.49%
2.88%
Up to 75 Months (loan minimum $15,000)as low as 2.74%
2.96%
Up to 84 Months (loan minimum $25,000)as low as 3.49%
3.61%
Used Cars, Trucks and Vans:
2015-2017 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.)
as low as 3.74%
3.96%
2015-2017 - Up to 84 Months (loan minimum is $25,000)
as low as 4.49%
4.61%
2011-2014 - Up to 75 Months ($15,000 loan minimum for 61-75 months)
as low as 3.99%4.21%
2011-2014 - Up to 84 Months (loan minimum is $25,000)
as low as 4.74%
4.86%
2010 and older - Up to 63 Months
as low as 4.24%
4.63%

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Recreational Vehicles

 Rate APR
as low as
New Motorcycles:
Up to 60 Months
as low as 4.49%
4.90%
Up to 72 Months
as low as 4.99%
5.34%
Used Motorcycles:
Up to 60 Months
as low as 5.24%5.66%
New Boats, RVs, Campers, Motor Homes:
Up to 60 Months
as low as 4.74%
5.15%
Up to 120 Months (loan minimum is $25,000)
as low as 5.24%
5.33%
Up to 180 Months (loan minimum is $35,000)
as low as 5.74%
5.78%
Used Boats, RVs, Campers, Motor Homes:
Up to 60 Months
as low as 4.99%
5.41%
Up to 120 Months (loan minimum is $25,000)
as low as 5.49%
5.58%
Up to 180 Months (loan minimum is $35,000)
as low as 5.99%
6.03%
New / Used ATV or other Titled Vehicle:
Up to 60 Months
as low as 7.99%
8.42%

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Mortgages

 Rate APR
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 3.99%5.45%
Up to 70% LTV, 180 Monthsas low as 4.99%
5.53%
Home Equity Loan (Fixed Rate)
Up to 80% LTV, 60 Monthsas low as 4.49%5.95%
Up to 80% LTV, 180 Monthsas low as 5.49%6.04%
Home Equity Loan (Fixed Rate)
Up to 90% LTV, 60 Monthsas low as 5.49%6.97%
Up to 90% LTV, 120 Monthsas low as 6.49%7.29%
Home Equity Line of Credit (Variable Rate):
Up to 70% LTV, 180 Monthsas low as 3.25%3.77%
Home Equity Line of Credit (Variable Rate):
Up to 80% LTV, 180 Monthsas low as 4.00%4.53%
Home Equity Line of Credit (Variable Rate):
Up to 90% LTV, 180 Monthsas low as 4.00%4.53%

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Other

 Rate APR
as low as
Credit Card:
Platinumas low as 6.99%6.99%
Rewards
as low as 8.99%8.99%
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%
9.68%
Up to 48 Months
as low as 9.99%
10.52%
Up to 60 Months
as low as 10.99%
11.43%
Overdraft Protection (Up to $2,500):
as low as 9.25%
9.25%
Execuline Line of Credit ($10,000 maximim):
as low as 10.00%
10.00%
Stock Secured:
Up to 60 Months
as low as 4.99%
5.41%
Up to 84 Months
as low as 5.99%
6.30%
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 $20,0000.10%0.10%
$20,001 to $100,0000.15%0.15%
$100,001 to $250,0000.20%
0.20%
$250,001 and above0.25%0.25%
Regular and Club Savings
$5 and above0.05%0.05%
IRA Money Market Account*
$0 to $20,0000.10%0.10%
$20,001 to $100,0000.15%0.15%
$100,001 to $250,0000.20%0.20%
$250,001 and above0.25%0.25%
Rewarding Checking Dividend Rate ***
$0 to $2,5001.75%1.75%
Over $2,5000.10%0.10%

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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)0.50%0.40%0.30%0.15%0.15%
12 months ($500 minimum)0.65%0.55%0.45%0.30%0.30%
24 months ($500 minimum)0.85%0.75%0.65%0.50%0.50%
36 months ($500 minimum)0.90%0.80%0.70%0.55%0.55%
48 months ($500 minimum)1.00%0.90%0.80%0.65%0.65%
60 months ($500 minimum)1.15%1.05%0.95%0.80%0.80%
IRA Certificate Accounts (Roth/Education/Traditional)
6 months ($500 minimum)0.50%0.40%0.30%0.15%0.15%
12 months ($500 minimum)0.65%0.55%0.45%0.30%0.30%
24 months ($500 minimum)0.85%0.75%0.65%0.50%0.50%
36 months ($500 minimum)0.90%0.80%0.70%0.55%0.55%
48 months ($500 minimum)1.00%0.90%0.80%0.65%0.65%
60 months ($500 minimum)1.15%1.05%0.95%0.80%0.80%
Jumbo Certificates ($100,000 minimum)
18 months ($100,000 minimum)0.60%0.60%0.60%0.60%0.60%
30 months ($100,000 minimum)0.75%0.75%0.75%0.75%0.75%

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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 = 3.25% as of March 16, 2020

Loan Terms & Conditions
Savings Terms & Conditions
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