Deposit Rates
For a complete list of deposit related fees and disclosures, please refer to our Truth in Savings and our Schedule of Account Fees (Lista de tarifas en Español)
Savings & IRA Rates
| Account Type | Minimum Balance | Rate | APY |
|---|---|---|---|
|
Share Savings
|
$5 | 0.12% | 0.12% |
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Holiday Club Savings
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$10 | 0.20% | 0.20% |
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Express Kids Savings Club
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$5 | 0.15% | 0.15% |
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IRA Shares
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$100 | 0.25% | 0.25% |
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Individual Development Account (IDA) Shares
|
$5 | 0.15% | 0.15% |
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APY = Annual Percentage Yield. Dividends declared and paid quarterly. Fees could reduce earnings. Rates are subject to change without notice. Effective as of 10/1/2022. |
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Various CD & IRA CD Rates
For a complete list of certificate account related fees and disclosures, please refer to our Certificate Truth in Savings and Save to Win TIS
| Account Type | Balance Required | Rate | APY |
|---|---|---|---|
|
Single Deposit CD
|
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| 6 months | $100 - $49,999 | 3.44% | 3.500% |
| 12 months | $100 - $49,999 | 3.44% | 3.500% |
| $50,000 - $99,999 | 3.64% | 3.700% | |
| $100,000+ | 3.69% | 3.750% | |
| 24 months | $100 - $49,999 | 2.47% | 2.500% |
| $50,000 - $99,999 | 2.96% | 3.000% | |
| $100,000+ | 3.20% | 3.250% | |
| 36 months | $100 - $49,999 | 2.41% | 2.440% |
| $50,000 - $99,999 | 2.96% | 3.000% | |
| $100,000+ | 3.20% | 3.250% | |
| 48 months | $100 - $49,999 | 1.98% | 2.000% |
| $50,000 - $99,999 | 2.96% | 3.000% | |
| $100,000+ | 3.20% | 3.250% | |
| 60 months | $100 - $49,999 | 2.81% | 2.850% |
| $50,000 - $99,999 | 2.96% | 3.000% | |
| $100,000+ | 3.20% | 3.250% | |
| 12 Months | $25+ | 1.5% | 1.5% |
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APY = Annual Percentage Yield. Dividends declared and paid quarterly. Fees could reduce earnings. 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 for 6 and 12 month CDs. Dividends paid quarterly for 24 and 36 month CDs. Effective as of 10/1/2024. 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. |
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Interest Rate Discounts
Express Members can qualify for Interest rate discounts on their loans by using their Express account.
| Discount | Eligibility Criteria | |
|---|---|---|
|
1% discount
|
Member has 3 of 5 of the following:
Automatic Payments from Express Account |
|
|
0.75% discount
|
Member has Checking account with Direct Deposit or 5 debit card transactions per month
|
|
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0.50% discount
|
Member has Checking account with Direct Deposit or 5 debit card transactions per month
|
|
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0.25% discount
|
Member has Automatic Payments from Express account
|
|
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Must be a member for at least 6 months to qualify for the 1% discount. Rate discounts not eligible on ACE Loans, VISA credit cards, Member Advance Loans, Indirect/dealer financing or promotional loan products. Floor rate of 2.99% Annual Percentage Rate. Rates based on credit score and loan type. Discounts applied at time of funding. One discount per loan. Effective 2/1/2024. |
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Borrow Rates
For a complete list of loan related fees and disclosures, please refer to our Truth in Lending and our Schedule of Account Fees (Lista de tarifas en Español)
| Account Type | Estimated Monthly Payment Examples | APR |
|---|---|---|
|
New Auto Loan (2023 & Newer) - Includes EV loans
|
$300.47 a month based on 5 year term, $15,000 loan at 7.49% APR | 7.49% - 16.99% |
|
Used Car Loan (2022-1998) - Includes EV loans
|
$302.26 a month based on 5 year term, $15,000 loan at 7.74% APR | 7.74% - 17.74% |
|
Motorcycle/ATV
|
$188.68 a month based on 5 year term, $10,000 loan at 4.99% APR | 4.99% - 17.99% |
|
RV/Boat/Trailer
|
$434.07 a month based on 10 year term, $40,000 loan at 5.49% APR | 5.49% - 18.99% |
|
VISA Credit Card
|
Variable Rate APR | 13.25% - 21.25% |
|
Personal Loan
|
$247.62 a month based on 4 year term, $10,000 loan at 8.74% APR | 8.74% - 17.99% |
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Suspended License Loan
|
Funds used to pay unpaid fines or fees restricting driving privileges. 14% APR, Rate not based on credit. Max term 36 months. Check issued to respective agency | 14% |
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Holiday Loan
|
$105.57 a month based on 10 month repayment, $1000 loan at 12% APR | 12% |
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Citizenship Loan
|
$84.59 a month based on 9 month repayment, $725 loan at 11.99% APR | 11.99% |
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DACA Loan
|
$49.50 a month based on 10 month repayment, $495 loan at 0% APR* | 0% |
|
Member Advance Loan
|
$183.34 a month based on 3 month repayment, $500 loan with 10% flat fee | 10% flat fee |
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APR = Annual Percentage Rate. Rates are subject to change without notice. Effective as of 10-16-2024. Personal and auto loan rates include a .25% discount for auto-pay. *The DACA loan has a 0% APR with a $40 processing fee |
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