Rates
RATE SHEET Business Rate Sheet
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Rates as of 12/01/2024
Dividend Rate |
APY1 |
Minimum |
|
---|---|---|---|
1APY = Annual Percentage Yield. Rates are subject to change after account opening. 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. |
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Checking |
Dividend Rate 0.01% |
APY1 0.01% |
Minimum $2,500 |
Savings Type |
Dividend Rate |
APY1 |
Minimum |
---|---|---|---|
1APY = Annual Percentage Yield. Rates are effective as of 05/01/2024. 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. |
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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 |
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. 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. |
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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 |
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. 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. |
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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 |
Type |
Dividend Rate2 |
APY1 |
---|---|---|
1APY = Annual Percentage Yield. Rates are effective as of 12/01/2024. 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. |
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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
CARD TYPE |
APR1 |
Payment per $1,000 |
---|---|---|
1APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed. |
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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
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. |
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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% |
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 |
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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 |
TERM |
RATE |
APR1 |
PAYMENT PER $1000 |
---|---|---|---|
10 Year fixed refinance | Closing costs = $600 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. |
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TERM 10 Year Fixed |
RATE 5.625% |
APR1 5.757% |
PAYMENT PER $1000 $10.92 |
Type |
RATE |
APR1 |
Payment per $1,000 |
---|---|---|---|
No down payment required | $1,600 closing costs 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. |
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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 |
Type |
RATE |
APR1 |
Payment per $1,000 |
---|---|---|---|
No closing costs | No credit score requirement 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. |
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Type Fixed Rate |
RATE 6.500% |
APR1 6.500% |
Payment per $1,000 $6.33 |
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) Single family owner occupied homes only. Contact us for more information |
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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 |
5/5 ARM |
RATE (0.000 PTS) |
APR1 |
COST PER $1000 |
---|---|---|---|
99% LTV | 30 Year amortization | Min. credit score 740+ 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 |
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5/5 ARM PMI required over 80% LTV |
RATE (0.000 PTS) 6.000% |
APR1 6.000% |
COST PER $1000 $6.00 |
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 |
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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 |
Type |
RATE |
APR1 |
PAYMENT PER $1000 |
---|---|---|---|
1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000.
|
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Type Lot Loans2 |
RATE 5.750% |
APR1 5.842% |
PAYMENT PER $1000 $8.31 |
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. |
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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 |
Loan to Value |
APR15 |
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5APR is a variable rate. Max APR is 17.9%. |
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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
Type |
Vehicle Year |
APR1 as low as |
Payment Per $1,0007 |
---|---|---|---|
1APR = Annual Percentage Rate. |
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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
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. |
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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