Rates

Rates as of 01/01/2026

Checking^1,2 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 01/01/2026. 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 01/01/2026. 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 0.94%	APY² 0.94%	Minimum $10,000
Type Premium Money Market	Dividend Rate 2.40%	APY² 2.42%	Minimum $50,000
Type Premium Money Market	Dividend Rate 2.48%	APY² 2.50%	Minimum $75,000
Type Premium Money Market	Dividend Rate 2.56%	APY² 2.63%	Minimum $100,000
Type Premium Money Market	Dividend Rate 2.78%	APY² 2.81%	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 01/01/2026.
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 3.74%	APY³ 3.80%

Rates as of 01/01/2026

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 13.75%*	Payment per $1,000 $25.00

Mortgage Rates as of 01/07/2026 | 30-day rate lock expires 02/06/2026

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 6.000%	APR¹ 6.055%	Payment per $1,000 $6.00	POINTS² 0.00%
Type 30-year Buydown¹	RATE 5.625%	APR¹ 5.802%	Payment per $1,000 $5.76	POINTS² 1.34%
Type 20-year Fixed	RATE 5.625%	APR¹ 5.698%	Payment per $1,000 $6.96	POINTS² 0.00%
Type 15-year Fixed	RATE 5.250%	APR¹ 5.341%	Payment per $1,000 $8.05	POINTS² 0.00%
Type 10-year Fixed	RATE 4.875%	APR¹ 5.003%	Payment per $1,000 $10.55	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 5.000%	APR¹ 5.052%	Payment per $1,000 $5.38
Type 5/1*	RATE 5.250%	APR¹ 5.303%	Payment per $1,000 $5.53

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 4.875%	APR¹ 5.005%	PAYMENT PER $1000 $10.55

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 5.000%	APR¹ 5.090%	Payment per $1,000 $7.91
Type 30-year Fixed	RATE 5.500%	APR¹ 5.554%	Payment per $1,000 $5.69

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 6.000%	APR¹ 6.000%	Payment per $1,000 $6.00

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 5.500%	APR¹ 5.500%	PAYMENT PER $1000 $5.69
5/5 ARM² Maximum second mortgage 7% LTV	RATE 5.625%	APR¹ 5.625%	PAYMENT PER $1000 $5.76
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) 5.375%	APR¹ 5.375%	COST PER $1000 $5.61

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 5.250%	APR¹ 5.384%	PAYMENT PER $1000 $5.53
Type Fixed³	RATE 6.000%	APR¹ 6.141%	PAYMENT PER $1000 $6.00

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 5.000%	APR¹ 5.090%	PAYMENT PER $1000 $7.91

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 5.750%	APR¹ 5.804%	Payment per $1,000 $5.84

Rates as of 01/01/2026

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 2025-2027	APR² as low as 4.80%	Payment Per $1,000³ $29.89
Type Used	Vehicle Year 2017-2024	APR² as low as 4.94%	Payment Per $1,000³ $29.95
Type Older	Vehicle Year 2011-2016	APR² as low as 10.69%	Payment Per $1,000³ $32.60

Rates as of 01/01/2026

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

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