Lending Rates
ECU Credit Union interest rates are set by the Interest Rate Committee; their goal is to set the best possible rates the Credit Union can offer given the current market conditions.  Click on the appropriate link below for our current rates
All rates are quoted as Annual Percentage Rates (APR) and are subject to change. 
Other terms may be available, Please contact ECU at 800-382-2400 for current Rates and Terms
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Auto Loan Rates

(Effective As Of June 20, 2017)
​​​With Our “Beat The Rate Program” 
Our Rates Won't Be Beat!
New or Used Our Auto Loan Rates Are The Best!
Age of Auto
# Monthly Payments
Annual Percentage Rate (APR)
New Auto
Up to 84
Varies*
Used Auto
Up to 84
Varies*
Fixed rates for new vehicles range between 3.50% APR to 10.00% APR and fixed rates for pre-owned vehicles range between 4.00% APR to 10.00% APR.  The rate you received is determined by amount financed and the term of the loan.

​​Recreational Vehicle Rates
Boats,  RVs, & Motorcycle Loans

(Effective as of June 20, 2017)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)*
New to 2 Yrs Old 
​Financing up to 
​95% of Value
​Up to $50,000
Up to 48
​8.4%
​$12,000 & up
Up to 60
​8.9%
$15,000 & up
Up to 72
​9.4%
​$20,000 & up
Up to 96
​9.9%
​$30,000 & up
​Up to 120
​9.9%
3 to 4 Years Old 
Financing up to ​
​85% of Value
​​Up to $50,000
​​Up to 48
​​8.9%
5 to 7 Years Old 
Financing up to ​
​75% of Value
​Up to $50,000
​Up to 36
​9.9%
8 to 10 Years Old 
Financing up to ​
​75% of Value
​Up to $50,000
​Up to 36
​12.9%

Visa Platinum Credit Card

(Effective as of August 22, 2007)  
Credit Limit* of $5,000 or more
9.88% APR**
Credit Limits* Under $5,000
12.92% APR**
*Credit Limits cary based on creditworthiness and annual income.
**APR (Annual Percentage Rate) may vary with changes to the Prime Rate

Home Equity Second Mortgage Rates

Contact ECU for current Rates and Terms at 800-382-2400
Personal Signature Loans
(Effective as of June 20, 2017)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)
Up to $1,000
Up to 12
13.25%
Up to $2,000
Up to 24
13.25%
$3,000 and up
Up to 36
13.25%
Special Seasonal Signature Loans
(Effective as of June 20, 2017)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)
Vacation Loans
Up to 12
12.65%
Tax Loans
Up to 12
12.65%
Christmas Loans
Up to 12
12.65%
$500 No Credit Check Signature Loans
(Effective as of January 1, 2018)
​Loan $500
6 Months
15% (APR)
All Rates are quoted as Annual Percentage Rates (Annual % Rate) (APR) and are subject to change.  Other terms may be available,   Please contact ECU at 800-382-2400 for current Rates and Terms