E1CU's website unveiling coming January 2025! Stay tuned.

Loan Rates

Vehicle Status

Fixed APR**

Term

New/Used
5.60%
36 Months
New/Used
5.85%
48 Months
New/Used
6.00%
60 Months
**APR (Annual Percentage Rate). The rate we are providing is the lowest rate available to most qualified members. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the rate and payment amount disclosed initially. Vehicles over 10 years in age will have .5% per year added to the interest rate (5% max).
New/Used
6.30%
72 Months

Vehicle Status

Fixed APR**

Term

New/Used
8.19%
60 Months
New/Used
9.09%
84 Months
**APR (Annual Percentage Rate). The rate we are providing is the lowest rate available to most qualified members. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the rate and payment amount disclosed initially. RV's, Boats, Snowmobiles will add 2% to the loan base. Add .5% each 12 months over 84 in term. Max of 120 months on RV/Boat, approval required after 84 months. Motorcycle add 3% to base. Vehicles over 10 yrs in age will have .5% per year added to the interest rate up to 5% max.

Shared Secure Loans

3% over share savings rate for 12 months
Vehicles over 5 years in age will have ½% per year added to the interest rate. 2009-2014 max term is 84 months. 2008 and older max term is 36 months.

Loan Type

Fixed APR**

Term

Signature Loan
9.25%
24 Months
Signature Loan
10.75%
36 Months
**APR (Annual Percentage Rate). The rate we are providing is the lowest rate available to most qualified members. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the rate and payment amount disclosed initially. Please note that rates and fees are subject to change without notice

Overdraft Protection

Loan Type

Fixed APR**

Term

Signature
15.00%
N/A
**APR (Annual Percentage Rate). The rate we are providing is the lowest rate available to most qualified members. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the rate and payment amount disclosed initially.

Visa® Credit Cards Rates

Card type

Variable APR**

Term

Visa® Reward Card
12.00%
N/A
This APR will vary with the market based on the Prime Rate. Your ANNUAL PERCENTAGE RATE (APR) is a variable rate based on an Index Rate plus a margin. Your margin will range from 4.00%-14.74% depending on credit quality. The Index Rate is the Prime Rate as published in the Wall Street Journal on the last business day of each calendar quarter. Any change in your ANNUAL PERCENTAGE RATE will result in more or less payments to amortize the balance. The interest rate on existing balances will be adjusted on the first day of January, April, and October of each year. The maximum interest rate will never exceed the rate permitted under law.***Extra Rewards – Our reward bonus point program can be used for free travel and merchandise.

Loan type

Fixed APR**

Term

80% Home Equity
8.00%
15 Years
**APR (Annual Percentage Rate). The rate we are providing is the lowest rate available to most qualified members. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the rate and payment amount disclosed initially.

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