Rates & Fees

*These links will take you away from the Express Credit Union web site.

Fees and charges may reduce the earnings on the account. To access the complete ECU Schedule of Account Fees, click here.

To learn more about Express Savings accounts, click here.

To read the Express Credit Union Truth in Savings, click here.

Savings & Individual Retirement Account Rates

Account Rate
Share Savings .15% / .15% *APY, $5.00 Minimum Balance
Holiday Club Savings .20% / .20% *APY, $10.00 Minimum Balance
Express Kids Savings Club .15% / .15% *APY, $5.00 Minimum Balance
IRA Shares .25% / .25% *APY, $100.00 Minimum Balance

Dividends declared and paid quarterly * APY=Annual percentage yield

Various CD & IRA CD Rates

CD Type Dividend Rate/APY* **6 months Dividend Rate/APY* **12 months Dividend Rate/APY* ^24 months Dividend Rate/APY* ^36 months
Single Deposit CD
$1,000 – $49,999
0.20% / 0.20% 0.25% / 0.25% 0.30% / 0.30% 0.50% /0.50%
Single Deposit CD
$50,000 – $99,999
0.30% / 0.30% 0.35% / 0.35% 0.40% /0.40% 0.60% / 0.60%
Single Deposit CD
$100,000 +
Not Available 1.00% /1.01% 1.10% / 1.11% 1.25% /1.26%
Add To CD:
Minimum $100 Maximum $1200 Contribution per term
Not Available .25% / .25% 0.30% / 0.30% Not Available
Educational/Coverdell Savings Account $500 Not Available 0.20% / 0.20% 0.25% / 0.25% 0.30% /0.30%
IRA $1000 – $49,999 Not Available 0.20% / 0.20% 0.25% / 0.25% 0.30% /0.30%
IRA $50,000+ Not Available 0.35% / 0.35% 0.45% /0.45% 0.50% / 0.50%

*APY=Annual Percentage Yield

Rates are subject to change without notice. All rates apply to personal/individual deposits only. Contact ECU for social investments, corporate or commercial deposit rates and terms.
**Dividends paid monthly.
^Dividends paid quarterly.

Add To Option:

For as little as $100 you may open a CD that you can add to in the future at a dividend rate that remains the same throughout the term of the CD. Add To CDs are available in 12 and 24 month terms.

Please note:

  • CDs automatically renew for the same term at the effective rate offered at the time of renewal. A CD maturity notice will be mailed to you and you will have a 10 calendar day grace period from the date of maturity to select a different term or withdraw the funds in the CD without incurring an early withdrawal penalty.
  • CDs are subject to early withdrawal penalties of 30 days interest if the term is 12 months or less, and 90 days interest if the term is greater than 12 months.

To find out more about opening a Certificate of Deposit at Express, call us at 206-622-1850 or stop by our main office at 1930 6th Avenue S. in Seattle’s SODO neighborhood.

Checking Account Rates and Fees

Stop Payments:
Drafts and ACH/EFTs
$20.00 each
Overdraft/NSF/Returned Item:
Checks, ATM/Debit, & ACH/EFT
$28.00 each
Auto Transfers:
From shares, LOC, or VISA to draft account
$7.00 each
Returned Deposited Item: $10.00 each
Copy of Paid Drafts: 5 free per month
$1.00 each subsequent
EZCheck VISA Debit Card:
With Awards Points Program
$1.00 monthly
Without Awards Points Program No Fee
Replacement cards $5.00 each
PIN re-order $5.00 each

To access the complete ECU Schedule of Account Fees, click here.

Vehicle Loan Rates

Loan Product APR Estimated Monthly Payment Examples
New Auto Loan
2016 & newer
2.24% – 15.49% $267.79 a month based on 5 year term, $15,000 loan at 2.74% APR
Used Auto Loan
2015-2005
2.99% – 16.99% $269.45 a month based on 5 year term, $15,000 loan at 2.99% APR
Motorcycle 4.74% – 17.99% $187.50 a month based on 5 year term, $10,000 loan at 4.74% APR
Boat & RV 3.24% – 16.99% $414.34 a month based on 10 year term, $40,000 loan at 4.49% APR
*Estimated payment APR includes .25% discount for auto-pay.

Collateral Includes: Cars, Trucks, RV’s, Boats and Motor Homes. Maximum mileage cannot exceed 150,000 miles.

RATES:
Rates and Financing are offered based on applicant’s credit qualifications, loan-to-value and term of the loan.

Other Rate Discounts may be available.

Click for important information about loan rates, fees, and other costs.

Term:

  • 72 months – Minimum vehicle price $20,000
  • 84 months – Minimum vehicle price $30,000

GAP Insurance: $399.00

Apply Now* for a Vehicle Loan

Personal Loan Rates

Loan Type APR Estimated Monthly Payment Examples
VISA 9% – 18% Variable Rate APR
Personal Loan* 7.74% – 18% $242.86 a month based on 4 year term, $10,000 loan at 7.74% APR
Holiday Loan 12% $130.53 a month based on 10 month repayment, $1000 loan at 12% APR, including $25 split into Holiday Savings Club Account
Citizenship Loan 15% $85.62 a month based on 9 month repayment, $725 loan at 15% APR
DACA Loan 0% $49.50 a month based on 10 month repayment, $495 loan at 0% APR
Pay Day Alternative Loan 15% Flat Fee $191.67 a month based on 3 month repayment, $500 loan with 15% flat fee
*Personal Loan rate includes .25% discount for auto-pay.

Click for important information about loan rates, fees, and other costs.