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Happy Member Loyalty Payout! This year, members earned a combined payout of over $5.2 million!

Rates as of 12/01/2024

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.

Ready to open your account? Apply now through Connect Cam™, our online application, or Quick Apply directly in Online and Mobile Banking if you’re an existing member.

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 05/01/2024.
Fees may reduce earnings. Minimum amount is minimum account balance to earn interest.
3An HSA has a $25 set-up fee.
2Only 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.

Ready to open your Prime Share Savings? Apply now through Connect Cam™, our online application, or schedule an appointment.

Ready to open your Change Up® Savings? Apply now through Connect Cam™, chat, our online application, phone call, or schedule an appointment.

Ready to open your HSA? Apply now through Connect Cam™ or schedule an appointment.

Ready to open your Special & Club Savings? Apply now through Connect Cam™, chat, phone call, schedule an appointment, or Quick Apply directly in Online and Mobile Banking if you’re an existing member.

Ready to open your Saver’s Sweepstakes? Apply now through Connect Cam™, chat, phone call, schedule an appointment, or Quick Apply directly in Online and Mobile Banking if you’re an existing member.

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

HSA3 (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®2

Dividend Rate

0.20%

APY1

0.20%

Minimum

$0

Premium Money Market2 (Regular & IRA Accounts)

Type

Dividend Rate

APY1

Minimum

1APY = Annual Percentage Yield. Rates are effective as of 10/01/2024. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest.
2For Premium Money Market the minimum to open account is $10,000.
5Minimum Deposit—$10,000. Account balance cannot drop below $10,000.

Ready to open your Premium Money Market?

non-IRA: Apply now through Connect Cam™, chat, phone call, schedule an appointment, or Quick Apply directly in Online and Mobile Banking if you’re an existing member.

IRA: Apply now through Connect Cam™, phone call, or schedule an appointment.

Type

Premium Money Market5

Dividend Rate

1.182%

APY1

1.188%

Minimum

$10,000

Type

Premium Money Market

Dividend Rate

2.350%

APY1

2.375%

Minimum

$100,000

Type

Premium Money Market

Dividend Rate

3.506%

APY1

3.563%

Minimum

$250,000

High Yield Money Market (Regular & IRA4 Accounts)

Account Type

Dividend Rate

APY1

Minimum

1APY = 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.
13Regular account minimum deposit—$1,000. $10 fee per month for daily balances below $1,000.
4IRA minimum deposit: $25

Ready to open your High Yield Money Market?

non-IRA: Apply now through Connect Cam™, chat, phone call, schedule an appointment, or Quick Apply directly in Online and Mobile Banking if you’re an existing member.

IRA: Apply now through Connect Cam™, phone call, or schedule an appointment.

Account Type

High Yield Money Market

Dividend Rate

0.06%

APY1

0.06%

Minimum

<$2,500

Account Type

High Yield Money Market

Dividend Rate

0.08%

APY1

0.08%

Minimum

$2,500

Account Type

High Yield Money Market

Dividend Rate

0.11%

APY1

0.11%

Minimum

$10,000

Account Type

High Yield Money Market

Dividend Rate

0.14%

APY1

0.14%

Minimum

$25,000

Account Type

High Yield Money Market

Dividend Rate

0.19%

APY1

0.19%

Minimum

$50,000

Share Certificates11 (Regular & IRA Accounts)

Type

Dividend Rate2

APY1

1APY = Annual Percentage Yield. Rates are effective as of 12/01/2024.
2Fees could reduce earnings on the account.

11Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal.

Ready to open your Share Certificate?

non-IRA: Apply now through Connect Cam™, our online application, chat, phone call, schedule an appointment, or Quick Apply directly in Online and Mobile Banking if you’re an existing member.

IRA: Apply now through Connect Cam™, phone call, or schedule an appointment.

Type

91 Days

Dividend Rate2

1.788%

APY1

1.80%

Type

182 Days

Dividend Rate2

1.887%

APY1

1.90%

Type

275 Days (Add-on)

Dividend Rate2

1.936%

APY1

1.95%

Type

1 Year

Dividend Rate2

2.231%

APY1

2.25%

Type

18 Months

Dividend Rate2

2.329%

APY1

2.35%

Type

2 Years

Dividend Rate2

2.575%

APY1

2.60%

Type

30 Months (Add-on)

Dividend Rate2

2.624%

APY1

2.65%

Type

3 Years

Dividend Rate2

2.722%

APY1

2.75%

Type

4 Years

Dividend Rate2

2.820%

APY1

2.85%

Type

5 Years

Dividend Rate2

2.967%

APY1

3.00%

Type

7 Month CD Special

Dividend Rate2

4.038%

APY1

4.10%

 

Rates as of 12/01/2024

Visa® Credit Cards

CARD TYPE

APR1

Payment per $1,000

1APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.
13Visa® Platinum rates start at 7.90%. Subject to credit approval.
14Visa® Signature variable rates start at 7% over Prime Rate and are adjusted quarterly. Subject to credit approval.

CARD TYPE

Visa® Platinum Card13

APR1

10.90%

Payment per $1,000

$25.00

CARD TYPE

Visa® Signature Card - Cash Back Card14 

APR1

Starting at 15.00%*

Payment per $1,000

$25.00

Mortgage Rates as of 12/06/2024  | 30-day rate lock expires 01/05/2025

Fixed Rate Mortgage Loans

Type

RATE

APR2

Payment per $1,000

POINTS1

Minimum mortgage loan of $30,000 | Min. credit score 620

1Mortgage 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.

2APR = 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.

Type

30- Year Fixed

RATE

6.500%

APR2

6.557%

Payment per $1,000

$6.33

POINTS1

0.00%

Type

30- Year Buydown1

RATE

6.125%

APR2

6.285%

Payment per $1,000

$6.08

POINTS1

1.09%

Type

20- Year Fixed

RATE

6.125%

APR2

6.199%

Payment per $1,000

$7.24

POINTS1

0.00%

Type

15- Year Fixed

RATE

5.875%

APR2

5.967%

Payment per $1,000

$8.38

POINTS1

0.00%

Type

10- Year Fixed

RATE

5.625%

APR2

5.755%

Payment per $1,000

$10.92

POINTS1

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

5.750%

APR1

5.804%

Payment per $1,000

$5.84

Type

5/1*

RATE

5.875%

APR1

5.930%

Payment per $1,000

$5.92

Educators Special (10-Year Fixed Refinance)

TERM

RATE

APR1

PAYMENT PER $1000

10 Year fixed refinance | Closing costs = $600
Max. loan amount $249,999.00

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

5.625%

APR1

5.757%

PAYMENT PER $1000

$10.92

VA Mortgage Products

Type

RATE

APR1

Payment per $1,000

No down payment required | $1,600 closing costs
Min. 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

5.875%

APR1

5.967%

Payment per $1,000

$8.38

Type

30 Year Fixed

RATE

6.125%

APR1

6.181%

Payment per $1,000

$6.08

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 amortization

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

6.500%

APR1

6.500%

Payment per $1,000

$6.33

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) | Min. credit score 660

390% LTV | As a 15 Year fixed (based off $10K loan amount)
Min. credit score 660

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

5/5 ARM2

Max. second mortgage 5% LTV

RATE

6.125%

APR1

6.125%

PAYMENT PER $1000

$6.08

5/5 ARM2

Max. second mortgage 7% LTV

RATE

6.250%

APR1

6.250%

PAYMENT PER $1000

$6.16

5/5 ARM2

SECOND MORTGAGE3

RATE

RATE

APR1

APR1

PAYMENT PER $1000

PAYMENT PER $1,000

5/5 ARM2

Max. second mortgage 5% LTV

RATE

8.875%

APR1

8.875%

PAYMENT PER $1000

$10.08

5/5 ARM2

Max. 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

99% LTV | 30 Year amortization | Min. 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

PMI required over 80% LTV

RATE (0.000 PTS)

6.000%

APR1

6.000%

COST PER $1000

$6.00

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 Max. 90% LTV | $1,600 closing cost + cost of title

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

Type

Construction2

RATE

5.875%

APR1

6.015%

PAYMENT PER $1000

$5.92

Type

Fixed3

RATE

6.500%

APR1

6.646%

PAYMENT PER $1000

$6.33

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. Max. 90% LTV on purchases and Max. 80% on refinance.

 

Type

Lot Loans2

RATE

5.750%

APR1

5.842%

PAYMENT PER $1000

$8.31

Fixed Home Equity Loans

Loan to Value

APR1 as low as

Payment per $1,000

Normal closing cost approximately $161 (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

APR15

5APR is a variable rate. Max APR is 17.9%.
Rate 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

APR15

7.49%

Loan to Value

81%-90% LTV2

APR15

8.99%

Loan to Value

91%-100% LTV2

APR15

9.99%

Rates as of 12/01/2024

Auto And Other Secured Loans6

Type

Vehicle Year

APR1 as low as

Payment Per $1,0007

1APR = Annual Percentage Rate.
6Financing up to 105% of approximate retail value. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply.

7Payment per $1,000 borrowed based on 36-month term and stated rate.

Type

New

Vehicle Year

2023-2025

APR1 as low as

5.05%

Payment Per $1,0007

$30.00

Type

Used*

Vehicle Year

2015-2022

APR1 as low as

5.19%

Payment Per $1,0007

$30.06

Type

Older

Vehicle Year

2009-2014

APR1 as low as

10.69%

Payment Per $1,0007

$32.60

Rates as of 12/01/2024

Personal & Student Loans

Type

APR1 as low as

Payment per $1,000 as low as

Maximum Term8

APR1 = Annual Percentage Rate. Share Savings Secured Rate is 3% above the current Savings Rate.
8Payment per $1,000 borrowed based on maximum terms and stated rate.
9Rates 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 Term8

5 Years

Type

Share Savings Secured9

APR1 as low as

3.06%

Payment per $1,000 as low as

$18.00

Maximum Term8

5 years

Type

Share Certificate Secured

APR1 as low as

3% over Share Certificate Rate

Payment per $1,000 as low as

-

Maximum Term8

Certificate Term

Type

LendKey Consolidation Loan

APR1 as low as

7.75%

Payment per $1,000 as low as

$9.43

Maximum Term8

15 Years

Type

LendKey In-School Loan

APR1 as low as

7.75%

Payment per $1,000 as low as

$9.43

Maximum Term8

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 Term8

1-3 Years

Type

Rapid Relief

APR1 as low as

19.90%

Payment per $1,000 as low as

$176.37

Maximum Term8

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.

APR = Annual Percentage Rate. Rates are anticipated and subject to change without notice. Other restrictions may apply. Call 262.886.5900 or visit ecu.com for latest rates.
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