Rates

Ready to apply? Use Educators Connect Cam™, our online loan application, or contact us.
Not a member? Open an account.

Rates as of 12/01/2024

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. 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 12/13/2024 | 30-day rate lock expires 01/12/2025

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 6.625%	APR² 6.682%	Payment per $1,000 $6.41	POINTS¹ 0.00%
Type 30- Year Buydown¹	RATE 6.250%	APR² 6.404%	Payment per $1,000 $6.16	POINTS¹ 1.11%
Type 20- Year Fixed	RATE 6.250%	APR² 6.324%	Payment per $1,000 $7.32	POINTS¹ 0.00%
Type 15- Year Fixed	RATE 6.00%	APR² 6.093%	Payment per $1,000 $8.45	POINTS¹ 0.00%
Type 10- Year Fixed	RATE 5.750%	APR² 5.880%	Payment per $1,000 $10.98	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 5.875%	APR¹ 5.930%	Payment per $1,000 $5.92
Type 5/1*	RATE 6.00%	APR¹ 6.055%	Payment per $1,000 $6.00

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 5.750%	APR¹ 5.883%	PAYMENT PER $1000 $10.98

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 6.000%	APR¹ 6.093%	Payment per $1,000 $8.45
Type 30 Year Fixed	RATE 6.250%	APR¹ 6.306%	Payment per $1,000 $6.16

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 6.625%	APR¹ 6.625%	Payment per $1,000 $6.41

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 6.250%	APR¹ 6.250%	PAYMENT PER $1000 $6.16
5/5 ARM² Max. second mortgage 7% LTV	RATE 6.375%	APR¹ 6.375%	PAYMENT PER $1000 $6.25
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) 6.125%	APR¹ 6.125%	COST PER $1000 $6.08

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 6.00%	APR¹ 6.143%	PAYMENT PER $1000 $6.00
Type Fixed³	RATE 6.625%	APR¹ 6.774%	PAYMENT PER $1000 $6.41

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 5.875%	APR¹ 5.967%	PAYMENT PER $1000 $8.38

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

Disclosures

Contact Us

Quick Links

Resources

On the go

Disclosures

Get Social With Us