Cars
| Rate | APR as low as |
||
|---|---|---|---|
| New Cars, Trucks and Vans (2018 and Newer) | |||
| Up to 48 Months | as low as 3.24% | 3.97% |
|
| Up to 63 Months | as low as 3.74% | 4.31% |
|
| Up to 75 Months (loan minimum $15,000) | as low as 3.99% | 4.31% |
|
| Up to 84 Months (loan minimum $25,000) | as low as 4.74% | 4.92% |
|
| Used Cars, Trucks and Vans: | |||
| 2015-2017 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.) | as low as 4.74% | 5.06% |
|
| 2015-2017 - Up to 84 Months (loan minimum is $25,000) | as low as 5.49% | 5.67% |
|
| 2011-2014 - Up to 75 Months ($15,000 loan minimum for 61-75 months) | as low as 4.99% | 5.32% |
|
| 2011-2014 - Up to 84 Months (loan minimum is $25,000) | as low as 5.74% | 5.92% |
|
| 2010 and older - Up to 63 Months | as low as 5.24% | 5.82% |
|
Check out our unbeatable rates!
Recreational Vehicles
| Rate | APR as low as |
||
|---|---|---|---|
| New Motorcycles: | |||
| Up to 60 Months | as low as 4.99% | 5.59% |
|
| Up to 72 Months | as low as 5.49% | 6.00% |
|
| Used Motorcycles: | |||
| Up to 60 Months | as low as 5.74% | 6.35% | |
| New Boats, RVs, Campers, Motor Homes: | |||
| Up to 60 Months | as low as 5.49% | 6.10% |
|
| Up to 120 Months (loan minimum is $25,000) | as low as 5.99% | 6.12% |
|
| Up to 180 Months (loan minimum is $35,000) | as low as 6.49% | 6.56% |
|
| Used Boats, RVs, Campers, Motor Homes: | |||
| Up to 60 Months | as low as 5.74% | 6.35% |
|
| Up to 120 Months (loan minimum is $25,000) | as low as 6.24% | 6.37% |
|
| Up to 180 Months (loan minimum is $35,000) | as low as 6.74% | 6.81% |
|
| New / Used ATV or other Titled Vehicle: | |||
| Up to 60 Months | as low as 7.99% | 8.42% |
|
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 4.50% | 5.97% | |
| Up to 70% LTV, 180 Months | as low as 5.50% | 6.05% | |
| Home Equity Loan (Fixed Rate) | |||
| Up to 80% LTV, 60 Months | as low as 5.00% | 6.47% | |
| Up to 80% LTV, 180 Months | as low as 6.00% | 6.56% | |
| Home Equity Loan (Fixed Rate) | |||
| Up to 90% LTV, 60 Months | as low as 6.00% | 7.49% | |
| Up to 90% LTV, 120 Months | as low as 7.00% | 7.81% | |
| Home Equity Line of Credit (Variable Rate): | |||
| Up to 70% LTV, 180 Months | as low as 3.75% | 4.27% | |
| Home Equity Line of Credit (Variable Rate): | |||
| Up to 80% LTV, 180 Months | as low as 4.00% | 4.53% | |
| Home Equity Line of Credit (Variable Rate): | |||
| Up to 90% LTV, 180 Months | as low as 4.25% | 4.78% | |
Check out our unbeatable rates!
Other
| Rate | APR as low as |
||
|---|---|---|---|
| Credit Card: | |||
| Platinum | as low as 8.49% | 8.49% | |
| Rewards | as low as 10.49% | 10.49% | |
| 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 10.75% | 10.75% |
|
| 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 |
|
Check out our unbeatable rates!
Savings Rates
| Annual % Rate* | Annual % Yield* |
||
|---|---|---|---|
| Insured Money Market Account* | |||
| $2,500 to $20,000 | 0.40% | 0.40% | |
| $20,001 to $100,000 | 0.45% | 0.45% | |
| $100,001 to $250,000 | 0.50% | 0.50% |
|
| $250,001 and above | 0.60% | 0.60% | |
| Regular and Club Savings | |||
| $5 and above | 0.05% | 0.05% | |
| IRA Money Market Account* | |||
| $0 to $20,000 | 0.40% | 0.40% | |
| $20,001 to $100,000 | 0.45% | 0.45% | |
| $100,001 to $250,000 | 0.50% | 0.50% | |
| $250,001 and above | 0.60% | 0.60% | |
| Rewarding Checking Dividend Rate *** | |||
| $0 to $2,500 | 1.75% | 1.75% | |
| Over $2,500 | 0.10% | 0.10% | |
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) | 1.20% | 1.10% | 1.00% | 0.85% | 0.85% | ||||
| 12 months ($500 minimum) | 1.35% | 1.25% | 1.15% | 1.00% | 1.00% | ||||
| 24 months ($500 minimum) | 1.50% | 1.40% | 1.30% | 1.15% | 1.15% | ||||
| 36 months ($500 minimum) | 1.65% | 1.55% | 1.45% | 1.30% | 1.31% | ||||
| 48 months ($500 minimum) | 1.75% | 1.65% | 1.55% | 1.40% | 1.41% | ||||
| 60 months ($500 minimum) | 1.90% | 1.80% | 1.70% | 1.55% | 1.56% | ||||
| IRA Certificate Accounts (Roth/Education/Traditional) | |||||||||
| 6 months ($500 minimum) | 1.20% | 1.10% | 1.00% | 0.85% | 0.85% | ||||
| 12 months ($500 minimum) | 1.35% | 1.25% | 1.15% | 1.00% | 1.00% | ||||
| 24 months ($500 minimum) | 1.50% | 1.40% | 1.30% | 1.15% | 1.15% | ||||
| 36 months ($500 minimum) | 1.65% | 1.55% | 1.45% | 1.30% | 1.31% | ||||
| 48 months ($500 minimum) | 1.75% | 1.65% | 1.55% | 1.40% | 1.41% | ||||
| 60 months ($500 minimum) | 1.90% | 1.80% | 1.70% | 1.55% | 1.56% | ||||
| Jumbo Certificates ($100,000 minimum) | |||||||||
| 18 months ($100,000 minimum) | 1.30% | 1.30% | 1.30% | 1.30% | 1.31% | ||||
| 30 months ($100,000 minimum) | 1.50% | 1.50% | 1.50% | 1.50% | 1.51% | ||||
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 = 4.75% as of June 16, 2022
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