Educational Community Credit Union Rates Effective 7/1/2010

Deposit Rates
New/Preowned Auto Loan Rates
Home Equity/Signature/Line of Credit Loan Rates
Other Loan Rates
Fee Schedule

Deposit Rates    
 
RATE
APY
Share Savings
1.00%
1.00%
Christmas Club
1.20%
1.20%
First Home Registry & Smart Saver Special Savings
1.19%
1.20%
Money Market
1.19%
1.20%
Traditional IRA
1.19%
1.20%
Roth IRA
1.19%
1.20%
Education Savings
1.19%
1.20%
6-Month CD
1.25%
1.25%
12-Month CD
1.50%
1.50%
24-Month CD
1.80%
1.80%
36-Month CD
2.10%
2.10%

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Members may be eligible for the Preferred Member Discounts list below:

  • Direct Deposit/Automatic Payments (discount .25%)
  • ECCU Checking Account in good standing 3 months prior to application date (discount .25%)
  • ECCU Visa Card in good standing 3 months prior to application date (discount .25%)
  • ECCU Active Membership More Than Five Years (discount .25%)

Loan Rates
Credit Rating
Level 1 APR
(730+)
Level 2 APR
(680-729)
Level 3 APR
(640-679)
Level 4 APR
(600-639)
Level 5 APR
(550-599)
Level 6 APR
(549 or lower)
 
New/Preowned Autos
Up to 48-month term
5.40%
5.90%
6.90%
8.40%
10.90%
14.90%
60-month term
5.65%
6.15%
7.15%
8.65%
11.15%
15.15%
72-month term
6.15%
6.65%
7.65%
N/A
N/A
N/A
 
New/Preowned Boats/RVs
60-month term
6.20%
6.70%
7.70%
9.20%
11.70%
15.70%
 
Antique/Classic Vehicle
36-month term
6.20%
6.70%
7.70%
9.20%
11.70%
15.70%

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Home Equity / Signature / Line of Credit
Rates as low as...
Credit Rating
Level 1 APR
(730+)
Level 2 APR
(680-729)
Level 3 APR
(640-679)
Level 4 APR
(600-639)
Level 5 APR
(550-599)
Level 6 APR
(549 or lower)
 
Home Equity - A variable-rate loan adjusted quarterly with a five-year draw period
72-month to 120-month terms
90% Loan To Value
Prime - .75%
Prime - .25%
Prime + .25%
N/A
N/A
N/A
80% Loan To Value
N/A
N/A
N/A
Prime + .75%
Prime + 1.25%
Prime + 1.75%
 
Signature Loan
24- or 36-month term
9.75%
10.25%
11.25%
12.75%
15.25%
19.25%
 
Line Of Credit/OOPS
24- or 36-month term
9.75%
10.25%
11.25%
12.75%
15.25%
19.25%

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Other Loan Rates
Rates as low as...
 
APR
  
Visa® Credit Card - Classic or Platinum
9.40%
 
 
Secured
11.65%
75% financing
 
First Mortgage
Contact us
 
 

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