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Rates as of 04/01/2024

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.

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 03/01/2024.
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.

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

Business Savings Account

Type

Dividend Rate

APY1

Minimum Balance Required to Earn APY

Minimum to Open

Type

Prime Share Savings

Dividend Rate

0.06%

APY1

0.06%

Minimum Balance Required to Earn APY

$100.00

Minimum to Open

$5.00

Contact Us to open a Money Market Account
Premium Money Market2 (Regular & IRA Accounts)

Type

Dividend Rate

APY1

Minimum

1APY = Annual Percentage Yield. Rates are effective as of 03/01/2024. 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.

Type

Premium Money Market5

Dividend Rate

1.366%

APY1

1.375%

Minimum

$10,000

Type

Premium Money Market

Dividend Rate

2.716%

APY1

2.750%

Minimum

$100,000

Type

Premium Money Market

Dividend Rate

4.049%

APY1

4.125%

Minimum

$250,000

Contact us to open a Premium Money Market Account
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

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

Contact us to open an IRA Certificate
Share Certificates11 (Regular & IRA Accounts)

Type

Dividend Rate2

APY1

1APY = Annual Percentage Yield. Rates are effective as of 03/01/2024.
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.

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

5.005%

APY1

5.10%

Contact us to open an IRA Account

Rates as of 04/01/2024

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 10.90%. Subject to credit approval.
14Visa® Signature variable rates start at 7% over Prime Rate. Subject to credit approval.

CARD TYPE

Visa® Platinum Card13

APR1

10.90%

Payment per $1,000

$20.00

CARD TYPE

Visa® Signature Card - Cash Back Card14 

APR1

Starting at 15.50%*

Payment per $1,000

$25.00

Mortgage Rates as of 04/12/2024  | 30-day rate lock expires 05/12/2024

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

7.000%

APR2

7.058%

Payment per $1,000

$6.66

POINTS1

0.00%

Type

30- Year Buydown1

RATE

6.625%

APR2

6.682%

Payment per $1,000

$6.41

POINTS1

1.25%

Type

20- Year Fixed

RATE

6.750%

APR2

6.825%

Payment per $1,000

$7.61

POINTS1

0.00%

Type

15- Year Fixed

RATE

6.500%

APR2

6.593%

Payment per $1,000

$8.72

POINTS1

0.00%

Type

10- Year Fixed

RATE

6.250%

APR2

6.380%

Payment per $1,000

$11.23

POINTS1

0.00%

Adjustable Rate Mortgage Loans (ARMs)

Type

RATE

APR1

Payment per $1,000

30 Year amortization | Closing costs = $1,500

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 | $1,800 closing cost

Type

2/1

RATE

6.375%

APR1

6.431%

Payment per $1,000

$6.25

Type

5/1*

RATE

6.500%

APR1

6.556%

Payment per $1,000

$6.33

Educators Special (10-Year Fixed Refinance)

TERM

RATE

APR1

PAYMENT PER $1000

10 Year fixed refinance | Closing costs = $500
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

6.250%

APR1

6.361%

PAYMENT PER $1000

$11.23

VA Mortgage Products

Type

RATE

APR1

Payment per $1,000

No down payment required | $1,500 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

6.500%

APR1

6.593%

Payment per $1,000

$8.72

Type

30 Year Fixed

RATE

6.750%

APR1

6.807%

Payment per $1,000

$6.49

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

7.000%

APR1

7.000%

Payment per $1,000

$6.66

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

6.750%

APR1

6.750%

PAYMENT PER $1000

$6.49

5/5 ARM2

Max. second mortgage 7% LTV

RATE

6.875%

APR1

6.875%

PAYMENT PER $1000

$6.58

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)

6.625%

APR1

6.625%

COST PER $1000

$6.41

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 | $1,500 closing cost + cost of title

31 Year term with conversion to fixed rate after completion Max. 95% LTV | $1,500 closing cost + cost of title
PMI over 80% LTV

Type

Construction2

RATE

6.500%

APR1

6.619%

PAYMENT PER $1000

$6.33

Type

Fixed3

RATE

7.000%

APR1

7.124%

PAYMENT PER $1000

$6.66

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 | $1,500 closing cost. Max. 90% LTV on purchases and Max. 80% on refinance.

 

Type

Lot Loans2

RATE

6.375%

APR1

6.467%

PAYMENT PER $1000

$8.65

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

7.99%

Loan to Value

81%-90% LTV2

APR15

9.49%

Loan to Value

91%-100% LTV2

APR15

10.49%

Rates as of 04/01/2024

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

6.20%

Payment Per $1,0007

$30.52

Type

Used*

Vehicle Year

2015-2022

APR1 as low as

6.54%

Payment Per $1,0007

$30.68

Type

Older

Vehicle Year

2009-2014

APR1 as low as

10.69%

Payment Per $1,0007

$32.60

Rates as of 04/01/2024

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