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Educators will be conducting scheduled maintenance on Sunday, December 14th, starting at 2 AM CST. During this time, there may be brief periods where you cannot connect to online and mobile banking. We apologize for any inconvenience.

Rates

RATE SHEET Business Rate Sheet

Español Rate Sheet

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Rates as of 12/01/2025

Checking1,2 Account

Dividend Rate

APY1

Minimum

1APY = Annual Percentage Yield. Rates are subject to change after account opening.
2Fees may reduce earnings. Minimum amount is minimum account balance to earn interest.

Checking

Dividend Rate

0.01%

APY1

0.01%

Minimum

$2,500
Savings Accounts

Savings Type

Dividend Rate

APY1

Minimum

1APY = Annual Percentage Yield. Rates are effective as of 12/01/2025.
Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends.
2An HSA has a $25 set-up fee.
3Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes.
4IBEW members in Wisconsin and Michigan Only.

Savings Type

Prime Share Savings

Dividend Rate

0.06%

APY1

0.06%

Minimum

$100

Savings Type

Change Up® Savings

Dividend Rate

0.51%

APY1

0.51%

Minimum

$0

Savings Type

HSA2 (Health Savings Account)

Dividend Rate

0.76%

APY1

0.76%

Minimum

$100

Savings Type

Special & Club Savings Accounts

Dividend Rate

0.06%

APY1

0.06%

Minimum

$100

Savings Type

Saver’s Sweepstakes®3

Dividend Rate

0.20%

APY1

0.20%

Minimum

$0

Savings Type

IBEW Savings4

Dividend Rate

0.51%

APY1

0.51%

Minimum

$100
Premium Money Market1 (Regular & IRA Accounts)

Type

Dividend Rate

APY2

Minimum

1For Premium Money Market the minimum to open account is $10,000.
2APY = Annual Percentage Yield. Rates are effective as of 12/01/2025. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest.
3Minimum Deposit—$10,000. Account balance cannot drop below $10,000.

Rates may change after the account has been opened.

Type

Premium Money Market3

Dividend Rate

1.00%

APY2

1.00%

Minimum

$10,000

Type

Premium Money Market

Dividend Rate

2.55%

APY2

2.58%

Minimum

$50,000

Type

Premium Money Market

Dividend Rate

2.64%

APY2

2.67%

Minimum

$75,000

Type

Premium Money Market

Dividend Rate

2.77%

APY2

2.80%

Minimum

$100,000

Type

Premium Money Market

Dividend Rate

2.97%

APY2

3.00%

Minimum

$250,000
High Yield Money Market (Regular & IRA1 Accounts)

Account Type

Dividend Rate

APY2

Minimum

1IRA minimum deposit: $25
2APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Fees may reduce earnings. Minimum amount is minimum account balance to earn interest.
Regular account minimum deposit—$1,000. $10 fee per month for daily balances below $1,000.

Account Type

High Yield Money Market

Dividend Rate

0.06%

APY2

0.06%

Minimum

<$2,500

Account Type

High Yield Money Market

Dividend Rate

0.08%

APY2

0.08%

Minimum

$2,500

Account Type

High Yield Money Market

Dividend Rate

0.11%

APY2

0.11%

Minimum

$10,000

Account Type

High Yield Money Market

Dividend Rate

0.14%

APY2

0.14%

Minimum

$25,000

Account Type

High Yield Money Market

Dividend Rate

0.19%

APY2

0.19%

Minimum

$50,000
Share Certificates1 (Regular & IRA Accounts)

Type

Dividend Rate2

APY3

1Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal.
2Fees could reduce earnings on the account.
3APY = Annual Percentage Yield. Rates are effective as of 12/01/2025.

Type

91 Days

Dividend Rate2

1.79%

APY3

1.80%

Type

182 Days

Dividend Rate2

1.89%

APY3

1.90%

Type

275 Days (Add-on)

Dividend Rate2

1.94%

APY3

1.95%

Type

1 Year

Dividend Rate2

2.23%

APY3

2.25%

Type

18 Months

Dividend Rate2

2.33%

APY3

2.35%

Type

2 Years

Dividend Rate2

2.58%

APY3

2.60%

Type

30 Months (Add-on)

Dividend Rate2

2.62%

APY3

2.65%

Type

3 Years

Dividend Rate2

2.72%

APY3

2.75%

Type

4 Years

Dividend Rate2

2.82%

APY3

2.85%

Type

5 Years

Dividend Rate2

2.97%

APY3

3.00%

Type

7 Month Special

Dividend Rate2

3.84%

APY3

3.90%

 

Rates as of 12/01/2025

Visa® Credit Cards

CARD TYPE

APR1

Payment per $1,000

1APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.
2Visa® Platinum rates start at 10.90%. Subject to credit approval.
3Visa® Signature variable rates start at 7% over Prime Rate and are adjusted quarterly. Subject to credit approval.

CARD TYPE

Visa® Platinum Card2

APR1

10.90%

Payment per $1,000

$25.00

CARD TYPE

Visa® Signature Card - Cash Back Card3

APR1

Starting at 14.25%*

Payment per $1,000

$25.00

Mortgage Rates as of 12/12/2025  | 30-day rate lock expires 01/11/2026

Fixed Rate Mortgage Loans

Type

RATE

APR1

Payment per $1,000

POINTS2

Minimum mortgage loan of $30,000. Minimum credit score 620.
1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty.
2Mortgage points, or discount points are a form of prepaid interest you can choose to pay up front in the exchange for a lower rate and monthly payment. One mortgage point is equal to about 1% of your loan amount.

Type

30-year Fixed

RATE

6.125%

APR1

6.181%

Payment per $1,000

$6.08

POINTS2

0.00%

Type

30-year Buydown1

RATE

5.750%

APR1

5.915%

Payment per $1,000

$5.84

POINTS2

1.31%

Type

20-year Fixed

RATE

5.625%

APR1

5.698%

Payment per $1,000

$6.96

POINTS2

0.00%

Type

15-year Fixed

RATE

5.375%

APR1

5.466%

Payment per $1,000

$8.11

POINTS2

0.00%

Type

10-year Fixed

RATE

5.000%

APR1

5.129%

Payment per $1,000

$10.61

POINTS2

0.00%
Adjustable Rate Mortgage Loans (ARMs)

Type

RATE

APR1

Payment per $1,000

Up to 30-year amortization. Closing costs = $1,600.

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 2/1 ARM means that the first two years have a locked APR set at closing. The rate can then change by 1% after the first two years and every year after. The rate cannot increase more than 8% during the life of the loan. 5/1 ARM means that the first five years have a locked APR set at closing. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan.

Investments 1% higher on the current ARM rate. $1,900 closing cost.

Type

2/1

RATE

5.125%

APR1

5.177%

Payment per $1,000

$5.45

Type

5/1*

RATE

5.375%

APR1

5.428%

Payment per $1,000

$5.61
Educators Special (10-year Fixed Refinance)

TERM

RATE

APR1

PAYMENT PER $1000

10-year fixed refinance. Closing costs = $600. Maximum loan amount $249,999.

Refinance loan amounts equal to or under $249,999 at 80% LTV.

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval.

TERM

10-year Fixed

RATE

5.000%

APR1

5.131%

PAYMENT PER $1000

$10.61
VA Mortgage Products

Type

RATE

APR1

Payment per $1,000

No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required.

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.

Type

15-year Fixed

RATE

5.125%

APR1

5.215%

Payment per $1,000

$7.98

Type

30-year Fixed

RATE

5.625%

APR1

5.679%

Payment per $1,000

$5.76
Homes for Habitat

Type

RATE

APR1

Payment per $1,000

No closing costs. No credit score requirement. Habitat for Humanity referral required. 20- and 30-year amortizations.

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required. No closing costs. No credit score requirement.

Type

Fixed Rate

RATE

6.125%

APR1

6.125%

Payment per $1,000

$6.08
First-Time Homebuyers Programs with No Closing Costs

5/5 ARM2

RATE

APR1

PAYMENT PER $1000

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.

290% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.

390% LTV. As a 15-year fixed (based off $10K loan amount). Minimum credit score 660.

Applies to up to 2 family/duplex properties. Contact us for more information about investment properties or non-owner occupied homes.

5/5 ARM2

Maximum second mortgage 5% LTV

RATE

5.625%

APR1

5.625%

PAYMENT PER $1000

$5.76

5/5 ARM2

Maximum second mortgage 7% LTV

RATE

5.750%

APR1

5.750%

PAYMENT PER $1000

$5.84

5/5 ARM2

SECOND MORTGAGE3

RATE

RATE

APR1

APR1

PAYMENT PER $1000

PAYMENT PER $1,000

5/5 ARM2

Maximum second mortgage 5% LTV

RATE

8.875%

APR1

8.875%

PAYMENT PER $1000

$10.08

5/5 ARM2

Maximum second mortgage 7% LTV

RATE

9.125%

APR1

9.125%

PAYMENT PER $1000

$10.23
Community Heroes Home

5/5 ARM

RATE (0.000 PTS)

APR1

COST PER $1000

PMI required over 80% LTV.

99% LTV. 30-year amortization. Minimum credit score 740+. Occupation restrictions apply. No closing costs.

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.

Single family owner occupied homes only. Contact us for more information about investment properties or non-owner occupied homes.

5/5 ARM

Adjustable Rate

RATE (0.000 PTS)

5.500%

APR1

5.500%

COST PER $1000

$5.69
Construction Loans

Type

RATE

APR1

PAYMENT PER $1000

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval.

21-year term with conversion to 5-year ARM after completion. Maximum 90% LTV. $1,600 closing cost + cost of title.

31-year term with conversion to fixed rate after completion. Maximum. 95% LTV. $1,600 closing cost + cost of title. PMI over 80% LTV.

Type

Construction2

RATE

5.375%

APR1

5.510%

PAYMENT PER $1000

$5.61

Type

Fixed3

RATE

6.125%

APR1

6.267%

PAYMENT PER $1000

$6.08
Lot Loans

Type

RATE

APR1

PAYMENT PER $1000

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000.
22-year ARM minimum $25K (APR based on $100K). 15-year amortization. $1,600 closing cost. Maximum 90% LTV on purchases and maximum 80% on refinance.

 

Type

Lot Loans2

RATE

5.125%

APR1

5.215%

PAYMENT PER $1000

$7.98
Fixed Home Equity Loans

Loan to Value

APR1 as low as

Payment per $1,000

Normal closing cost approximately $199 (for title search and recording) unless appraisal is needed. For approval, an appraisal or tax statement value is needed. Appraisal may be required.

Loan to Value

80% or less

APR1 as low as

6.20%

Payment per $1,000

$19.43

Loan to Value

81%-90%

APR1 as low as

8.15%

Payment per $1,000

$20.36

Loan to Value

91%-100%

APR1 as low as

9.65%

Payment per $1,000

$21.09
Home Equity Line of Credit (HELOC)

Loan to Value

APR1

1APR = Annual Percentage Rate and effective as of 11/01/2025. This is a variable rate. Max APR is 17.9%.
2Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply.

Loan to Value

<80% LTV2

APR1

6.49%

Loan to Value

81%-90% LTV2

APR1

7.99%

Loan to Value

91%-100% LTV2

APR1

8.99%
USDA Rural Housing

Loan to Value

Rate

APR1

Payment per $1,000

No down payment required. $1,600 closing costs. Minimum credit score 620. Property location restrictions apply. Income eligibility requirements apply.

1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.

Loan to Value

Fixed

Rate

5.875%

APR1

5.930%

Payment per $1,000

$5.92

Rates as of 12/01/2025

Auto & Other Secured Loans1

Type

Vehicle Year

APR2 as low as

Payment Per $1,0003

1Financing up to 105% of approximate retail value. Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.
2APR = Annual Percentage Rate.
3Payment per $1,000 borrowed based on 36-month term and stated rate.

Type

New

Vehicle Year

2024-2026

APR2 as low as

4.80%

Payment Per $1,0003

$29.89

Type

Used

Vehicle Year

2016-2023

APR2 as low as

4.94%

Payment Per $1,0003

$29.95

Type

Older

Vehicle Year

2010-2015

APR2 as low as

10.69%

Payment Per $1,0003

$32.60

Rates as of 12/01/2025

Personal & Student Loans

Type

APR1 as low as

Payment per $1,000 as low as

Maximum Term2

APR1 = Annual Percentage Rate. Share Savings Secured Rate is 3% above the current Savings Rate.
2Payment per $1,000 borrowed based on maximum terms and stated rate.
3Rates and terms may vary based on credit score and final loan amount. Share Savings Secured rate is 3% above current Savings rate. Other restrictions may apply.

Type

Unsecured Personal Loan

APR1 as low as

10.90%

Payment per $1,000 as low as

$21.71

Maximum Term2

5 Years

Type

Share Savings Secured3

APR1 as low as

3.06%

Payment per $1,000 as low as

$18.00

Maximum Term2

5 years

Type

Share Certificate Secured

APR1 as low as

3% over Share Certificate Rate

Payment per $1,000 as low as

-

Maximum Term2

Certificate Term

Type

LendKey Consolidation Loan

APR1 as low as

7.75%

Payment per $1,000 as low as

$9.43

Maximum Term2

15 Years

Type

LendKey In-School Loan

APR1 as low as

7.75%

Payment per $1,000 as low as

$9.43

Maximum Term2

15 Years

Type

Credit Rebuilder Loan ($2,000 max.)

APR1 as low as

19.90%

Payment per $1,000 as low as

$37.10

Maximum Term2

1-3 Years

Type

Rapid Relief

APR1 as low as

19.90%

Payment per $1,000 as low as

$176.37

Maximum Term2

6 Months

Disclosures

APY = Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change after account opening.
APR = Annual Percentage Rate. Rates are subject to change without notice. Actual rates, terms and/or loans amounts are subject to credit approval.
Other restrictions may apply. Call 262.886.5900 or visit www.ecu.com/rates for more information.

The interest on a loan that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Members should consult a tax professional regarding the tax deduction of their mortgage interest and charges.
Property insurance is required on all mortgages