Educational Community Credit Union Rates Effective 2/1/2012

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
0.45%
0.45%
Christmas Club
0.60%
0.60%
First Home Registry & Smart Saver Special Savings
0.60%
0.60%
Money Market
0.60%
0.60%
Traditional IRA
0.60%
0.60%
Roth IRA
0.60%
0.60%
Education Savings
0.60%
0.60%
6-Month CD
0.50%
0.50%
12-Month CD
0.80%
0.80%
24-Month CD
1.15%
1.15%
36-Month CD
1.40%
1.40%

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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
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)
 
New/Preowned Autos
24-month term
3.39%
4.39%
5.89%
7.39%
12.50%
15.50%
36-month term
3.64%
4.64%
6.14%
7.64%
12.95%
15.95%
48-month term
3.89%
4.89%
6.39%
7.89%
14.95%
17.95%
60-month term
4.14%
5.14%
6.64%
8.14%
17.95%
17.95%
72-month term
5.14%
6.14%
7.64%
9.14%
N/A
N/A
84-month term
6.14%
7.14%
8.64%
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
 
 

APY=Annual Percentage Yield. APR=Annual Percentage Rate. All rates and fees are subject to change without prior notification at any time. Please contact the credit union for the most current rates.

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