ECU Credit Union
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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
(Printer Friendly Copy Here: ecu_lending_rates_july_1_2020.pdf )

Submit Loan Application Online
Calculate Loan Pmts

Auto Loan Rates

Please call for current rates 800-382-2400.
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 2.50% APR to 4.00% APR and fixed rates for pre-owned vehicles range between 3.00% APR to 8.50% APR. The rate you receive is determined by amount financed, age of the vehicle, and the term of the loan.

​​Recreational Vehicle Rates-
Boat, ATV, Travel Trailer & RV Loans

(Effective as of July 1, 2020)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)*
Up to $50,000
​Up to 120 Months
​5.75% - 7.50%
*The rate you receive is determined by amount financed,  the term of the loan, and age of collateral.
Motorcycle Loan Rate
Loan Amount
Term
Annual Percentage Rate (APR)
Up to $50,000
Up to 60 months
6.95%

Visa Platinum Credit Card

(Effective as of August 22, 2007)  
Visa Credit Card
12.92% APR**
*Credit Limits vary 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 July 1, 2020)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)
Up to $1,000
Up to 12
10.65%
$1,001 to $2,000
Up to 24
11.75%
$2,001 to $10,000
Up to 36
11.75%
Special Seasonal Signature Loans
(Effective as of June 20, 2017)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)
Vacation Loans
Up to 12
10.65%
Tax Loans
Up to 12
10.65%
Christmas Loans
Up to 12
10.65%
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.

Links

​Rates and Fees
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About ECU
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Rates
Privacy Notice (This link will open a PDF document)
Privacy Policy (This link will open a PDF document)​

PRODUCTS & SERVICES​


​Online Banking
Mortgages
Auto Loans
Credit Cards
Retirement (IRA)

​ECU Credit Union P. O. Box 4818, Seminole, FL 33775-4818
​Lending Rates are quoted as Annual Percentage Rates (APR)
​Deposit Rates are quoted as Annual Percentage Yields (APY) - Fees May Reduce The Earnings on The Account.

Membership


​Become a Member
Membership Forms
Membership FAQ


​Phone:
727-471-1330

​LEGAL 


NCUA logo with link to the NCUA website
This credit union is federally insured by the National Credit Union Administration. ​​

Equal Housing Opportunity logo
​Fair Housing & Equal Credit Opportunity Act:
We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act. 


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We are not liable for content or availability of linked sites.   Refer to our Third-Party Links Disclaimer for more information.
Unauthorized access or use of this website is not permitted and may constitute a crime punishable by law.