Rates as of 10/1/2021

Checking2,3

Balance

Min. to Open

Dividend Rate

APY1

1APY = Annual Percentage Yield. Rates are subject to change after account opening.
2Member may be subject to $2 monthly service fee if receiving paper statements. Member may opt-in to eStatements to have fee waived. 
3Fees could reduce earnings on the account

Balance

$0 - $2,499

Min. to Open

$0

Dividend Rate

0.0%

APY1

0.0%

Balance

$2,500 and up

Min. to Open

$0

Dividend Rate

0.01%

APY1

0.01%

Savings Accounts

Savings Type

Min. to Open

Dividend Rate

APY1

1APY = Annual Percentage Yield. Rates are subject to change after account opening.
2Member may be subject to $2 monthly service fee if receiving paper statements. Member may opt-in to eStatements to have fee waived. 
3Fees could reduce earnings on the account

Savings Type

Prime Share Savings with Balance of $100 and up

Min. to Open

$5.00

Dividend Rate

0.06%

APY1

0.06%

Savings Type

Change Up Savings

Min. to Open

$0

Dividend Rate

0.51%

APY1

0.51%

Savings Type

Christmas Club with Balance of $0 - $99.99

Min. to Open

$0

Dividend Rate

0.0%

APY1

0.0%

Savings Type

Christmas Club with Balance of $100 and up

Min. to Open

$0

Dividend Rate

0.06%

APY1

0.06%

Savings Type

Vacation Club with Balance of $0 - $99.99

Min. to Open

$0

Dividend Rate

0.0%

APY1

0.0%

Savings Type

Vacation Club with Balance of $100 and up

Min. to Open

$0

Dividend Rate

0.06%

APY1

0.06%

Savings Type

Summer Pay Balance of $0 - $99.99

Min. to Open

$0

Dividend Rate

0.0%

APY1

0.0%

Savings Type

Summer Pay with Balance of $100 and up

Min. to Open

$0

Dividend Rate

0.06%

APY1

0.06%

Savings Type

Saver’s Sweepstakes

Min. to Open

$0

Dividend Rate

0.20%

APY1

0.20%

Savings Type

Health Savings Account of $0 - $99.99

Min. to Open

$0

Dividend Rate

0.0%

APY1

0.0%

Savings Type

Health Savings Account of $100 and up

Min. to Open

$0

Dividend Rate

0.76%

APY1

0.76%

Business Savings Rates

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

Money Market

Dividend Rate

APY1

Minimum Balance Required to Earn APY2

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). Rates are subject to change after account opening.
2For IRA Money Market the minimum to open account is $25. Minimum to open regular Money Market account is $1000, $10 fee per month for daily balances below $1000. Penalties apply for “under the minimum daily balance”, which may reduce earnings.

Dividend Rate

0.06%

APY1

0.06%

Minimum Balance Required to Earn APY2

<$2,500

Dividend Rate

0.08%

APY1

0.08%

Minimum Balance Required to Earn APY2

$2,500

Dividend Rate

0.11%

APY1

0.11%

Minimum Balance Required to Earn APY2

$10,000

Dividend Rate

0.14%

APY1

0.14%

Minimum Balance Required to Earn APY2

$25,000

Dividend Rate

0.19%

APY1

0.19%

Minimum Balance Required to Earn APY2

$50,000

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

Dividend Rate

APY1

Minimum Balance Required to Earn APY2

1APY = Annual Percentage Yield. Rates will not change until the next tier is reached. Rates are subject to change after the account is opened.
2For Premium Money Market the minimum to open account is $10,000.
Points for Perks cannot be used to increase the rates on the Premium Money Market accounts.

Dividend Rate

0.060%

APY1

0.06%

Minimum Balance Required to Earn APY2

$10,000

Dividend Rate

0.130%

APY1

0.13%

Minimum Balance Required to Earn APY2

$100,000

Dividend Rate

0.190%

APY1

0.19%

Minimum Balance Required to Earn APY2

$250,000

Contact us to open a Premium Money Market Account
IRA High Yield Money Market Account

Dividend Rate

APY1

Minimum Balance Required to Earn APY2

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). Rates are subject to change after the account is opened.
2For IRA Money Market the minimum to open account is $25. Minimum to open regular Money Market account is $1000, $10 fee per month for daily balances below $1000. Penalties apply for “under the minimum daily balance”, which may reduce earnings.

Dividend Rate

0.06%

APY1

0.06%

Minimum Balance Required to Earn APY2

<$2,500

Dividend Rate

0.08%

APY1

0.08%

Minimum Balance Required to Earn APY2

$2,500

Dividend Rate

0.11%

APY1

0.11%

Minimum Balance Required to Earn APY2

$10,000

Dividend Rate

0.14%

APY1

0.14%

Minimum Balance Required to Earn APY2

$25,000

Dividend Rate

0.19%

APY1

0.19%

Minimum Balance Required to Earn APY2

$50,000

Contact us to open an IRA Certificate
IRA Certificates / Share Certificates3

Type

Dividend Rate3

APY1

Min. Balance Required to Earn APY

1APY = Annual Percentage Yield. Rates are subject to change after account opening.
2Member may be subject to $2 monthly service fee if receiving paper statements. Member may opt-in to eStatements to have fee waived. 
3Fees could reduce earnings on the account. Penalty will or may be imposed for early withdrawal.

Type

91 Day

Dividend Rate3

0.100%

APY1

0.10%

Min. Balance Required to Earn APY

$500

Type

182 Day

Dividend Rate3

0.200%

APY1

0.20%

Min. Balance Required to Earn APY

$500

Type

275 Day (Add-on)

Dividend Rate3

0.250%

APY1

0.25%

Min. Balance Required to Earn APY

$500

Type

1 Year

Dividend Rate3

0.300%

APY1

0.30%

Min. Balance Required to Earn APY

$500

Type

18 Month

Dividend Rate3

0.399%

APY1

0.40%

Min. Balance Required to Earn APY

$500

Type

2 Year

Dividend Rate3

0.499%

APY1

0.50%

Min. Balance Required to Earn APY

$500

Type

30 Month

Dividend Rate3

0.548%

APY1

0.55%

Min. Balance Required to Earn APY

$500

Type

3 Year

Dividend Rate3

0.648%

APY1

0.65%

Min. Balance Required to Earn APY

$500

Type

4 Year

Dividend Rate3

0.748%

APY1

0.75%

Min. Balance Required to Earn APY

$500

Type

5 Year

Dividend Rate3

0.896%

APY1

0.90%

Min. Balance Required to Earn APY

$500

Contact us to open an IRA Account

Mortgage Rates 10/15/21 | 30-day rate lock expires 11/14/2021

Mortgage Loans

TERM

RATE

APR1

PAYMENT PER $1000

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.

3 Max loan amount $548,250

Closing cost $1,500. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval.

TERM

30- Year Fixed

RATE

3.000%

APR1

3.050%

PAYMENT PER $1000

$4.22

TERM

20- Year Fixed

RATE

2.750%

APR1

2.820%

PAYMENT PER $1000

$5.43

TERM

15- Year Fixed

RATE

2.375%

APR1

2.465%

PAYMENT PER $1000

$6.62

TERM

10- Year Fixed

RATE

2.250%

APR1

2.381%

PAYMENT PER $1000

$9.32

Adjustable Rate Mortage (ARMs)

TERM

RATE

APR1

PAYMENT PER $1000

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. 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.

Closing cost $1,500. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

*Investment Properties have a rate of (rate + 1%) and have a closing cost of $1,800.

TERM

2/1

RATE

2.125%

APR1

2.251%

PAYMENT PER $1000

$3.76

TERM

5/1*

RATE

2.375%

APR1

2.502%

PAYMENT PER $1000

$3.89

ECU Special- 10-Year Fixed Refinance

TERM

RATE

APR1

PAYMENT PER $1000

Closing Costs = $500.00

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.

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

TERM

10- Year

RATE

2.250%

APR1

2.354%

PAYMENT PER $1000

$9.32

First-Time Homebuyer Programs

TERM

RATE

APR1

PAYMENT PER $1000

90% LTV with maximum second mortgage 7% LTV Minimum Credit Score 660+

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.

2With 30 year amortization. 5/5 ARM means that the first five years have a locked APR set at closing. The rate can then change by 2% after the first five years and every five years after. The rate cannot increase more than 8% during the life of the loan.

3As a 15 year fixed based off $10,000 loan amount.

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval.

TERM

5/5 ARM2

RATE

3.500%

APR1

3.500%

PAYMENT PER $1000

$4.50

TERM

Second Mortage3

RATE

5.375%

APR1

5.375%

PAYMENT PER $1000

$8.10

Community Heroes Home Loans

5/5 ARM

RATE (0.000 PTS)

APR1

COST PER $1000

99% LTV. 30-Year amortization. Minimum Credit Score 740+. Occupation and other restrictions apply. No closing costs. Subject to underwriting approval.

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.

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

5/5 ARM

1% Down Payment

RATE (0.000 PTS)

3.375%

APR1

3.375%

COST PER $1000

$4.43

Construction Loans

TERM

RATE

APR1

PAYMENT PER $1000

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. 
2One-year term with conversion to 5-year ARM after completion. Maximum Loan to Value (LTV) 90%. $1,500 closing cost plus the cost of the title.
3One-year term with conversion to fixed-rate after completion. Maximum Loan to Value (LTV) 95%. $1,500 closing cost plus the cost of the title. PMI over 80% LTV.

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

TERM

5/1 ARM2

RATE

2.375%

APR1

2.502%

PAYMENT PER $1000

$3.89

TERM

Fixed Rate3

RATE

3.000%

APR1

3.093%

PAYMENT PER $1000

$4.22

Lot Loans

TERM

RATE

APR1

PAYMENT PER $1000

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. 
2Two-year ARM with a minimum of $25,000. 15-year amortization. $1,500 closing cost. Maximum Loan to Value (LTV) is 90% of the purchase and a maximum of 80% when refinancing.

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

TERM

2- year ARM2

RATE

2.125%

APR1

2.361%

PAYMENT PER $1000

$6.50

Home Equity Loans

LOAN TO VALUE

APR1 AS LOW AS

PAYMENT PER $1000 (AS LOW AS)

1APR = Annual Percentage Rate. LTV = Loan to Value. Rates are subject to change. Subject to underwriting approval. 

Over 90% LTV requires appraisal.

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

LOAN TO VALUE

80% OR less

APR1 AS LOW AS

as low as 3.40%

PAYMENT PER $1000 (AS LOW AS)

$18.15

LOAN TO VALUE

81%-90%

APR1 AS LOW AS

as low as 5.65%

PAYMENT PER $1000 (AS LOW AS)

$19.18

LOAN TO VALUE

91%-100%

APR1 AS LOW AS

as low as 7.15%

PAYMENT PER $1000 (AS LOW AS)

$19.89

Home Equity Lines of Credit (HELOCs)

LOAN TO VALUE

APR1

1APR = Annual Percentage Rate. Subject to underwriting approval.
2LTV = Loan to Value. No annual fees or service charges, rate based on the prime rate (3.25% as of 4/1/20). The floor rate for new Home Equity Loans with loan to values under 80% is 3.49%% APR, 80.01-90% is 4.99% APR, 90.01-100% is 5.99% APR. The maximum APR that may be imposed in a variable-rate plan has a lifetime cap of 17.9%.

Payments are 1.5 percent of the balance or $50 whichever is greater.

Rates and terms are subject to change and not guaranteed.

When Your Home is on the Line: What you should know about Home Equity Lines of Credit

Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges.

LOAN TO VALUE

<80% LTV2

APR1

3.49% (prime + 0.24%)

LOAN TO VALUE

81%-90% LTV2

APR1

4.99% (prime + 1.74%)

LOAN TO VALUE

91%-100% LTV2

APR1

5.99% (PRIME + 2.74%)

Rates as of 10/1/2021

Visa® Credit Cards

APR1

PAYMENT PER $1000

CARD TYPE

¹APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.

²Visa® Signature Card rate is variable based on the prime rate (3.25% as of 4/1/20) + 7, 8, 10 or 14%.  Rates are subject to change and are subject to credit approval.

 *Rate depending on credit worthiness. Rates start at 7.9% then move to 8.9%, 11.9% and 17.9%

APR1

7.90%*

PAYMENT PER $1000

$20.00

CARD TYPE

Visa® Platinum Card

APR1

Starting at 10.25%

PAYMENT PER $1000

$25.00

CARD TYPE

Visa® Signature Card2 - 1.5% Cash Back

Rates as of 10/1/2021

Auto Loans

Vehicle Year

APR1 as low as

Payment Per $1000**

1APR = Annual Percentage Rate. Financing up to 105% of approx. retail value. Rates and payments are based on a 36-month term. Loan rate is based on term, credit score, as well as credit tiers. Qualify for the lowest rate with credit score of 670 or above. Rates are subject to change.*Other secured loans will be based off the Used Vehicle rate tier.

New

Vehicle Year

2020-2022

APR1 as low as

1.85%

Payment Per $1000**

$28.59

Used*

Vehicle Year

2012-2019

APR1 as low as

2.10%

Payment Per $1000**

$28.70

Older

Vehicle Year

2006-2011

APR1 as low as

5.95%

Payment Per $1000**

$30.42

Rates as of 10/1/2021

Other Loans (Personal Loans)

APR1 As Low As

PMT Per $1000

Purpose

Maximum Term

APR1 = Annual Percentage Rate. Share Savings Secured Rate is 3% above the current Savings Rate.

Rates and terms are subject to change and not guaranteed.

APR1 As Low As

3.06%

PMT Per $1000

$18.00

Purpose

Share Savings Secured

Maximum Term

5 years

APR1 As Low As

3% over Share Certificate Rate

PMT Per $1000

-

Purpose

Share Certificate Secured

Maximum Term

Certificate Term

APR1 As Low As

as low as 6.0%

PMT Per $1000

as low as $8.45

Purpose

LendKey In-School Loan

Maximum Term

15 Years

APR1 As Low As

as low as 2.10%

PMT Per $1000

as low as $28.70

Purpose

Other Secured Loan

Maximum Term

5 Years

APR1 As Low As

as low as 2.10%

PMT Per $1000

as low as $28.70

Purpose

Boat/RV (Other Secured Loan)

Maximum Term

7 Years

APR1 As Low As

as low as 8.90%

PMT Per $1000

as low as $20.71

Purpose

Personal Loan

Maximum Term

5 Years

APR1 As Low As

19.90%

PMT Per $1000

$37.10

Purpose

Credit Rebuilder Loan ($2,000 max.)

Maximum Term

1-3 Years