Rates


Loan Rates Savings Rates EMCU Fees

Effective as of: 01/01/2021
Maximum Loan Amounts
Loan TypeLoan Maximum
Auto, Truck, Boats and Motorcycles$100,000.00
Recreational Vehicles and Large Boats$100,000.00
Home Equity$100,000.00
Unsecured (Signature Loan) $6,000.00
Visa Credit Card$5,000.00
 
Loan Rates
Effective Date: 10/14/2020
Loan TypesAPR*Down RequiredTerms:
New auto, truck, and motorcycle, as low as2.70%*ZERO DOWN*up to 48 months
New auto, truck, and motorcycle, as low as3.20%*ZERO DOWN*up to 60 months
New auto, truck, and motorcycle, as low as4.00%*ZERO DOWN*up to 84 months
Used auto, truck, and motorcycle, as low as3.49%*ZERO DOWN*up to 48 months
Used auto, truck, and motorcycle, as low as4.75%*ZERO DOWN*up to 60 months
Used auto, truck, and motorcycle, as low as4.95%*ZERO DOWN*up to 84 months
New snowmobile, ATVs, as low as5.75%*10% DOWN*up to 72 months
Used snowmobile, ATVs, as low as7.25%*10% DOWN*up to 60 months
New boats, as low as3.75%*ZERO DOWN*up to 84 months
Used boats, as low as4.25%*ZERO DOWN*up to 84 months
New Recreational Vehicles, as low as4.00%*5% DOWN* up to 14 years.
Used Recreational Vehicles, as low as5.00%*5% DOWN* up to 14 years.
Unsecured (signature),as low as10.95%*N/Aup to 36 months
VISA Credit Card12.75%N/AN/A
* Interest rates and down payment are subject to borrower's credit history.
 
Home Equity Loans
MAXIMUM AMOUNT: $100,000.00
Loan To ValueUp to 5 YearsUp to 10 Years**Up to 15 Years**
UP to 80%3.99% 4.49%4.99%
Up to 85%4.49%5.49%5.99%
** Balloon payment due at the middle of the term for loans longer than 7 years. Balloon payments are typically refinanced at our current rate.
Borrower pays the cost of the appraisal if required.
NO CLOSING COSTS OR POINTS
 
Payment Example of $10,000.00 borrowed
LOAN TERMAPRPAYMENTBALLOON
5 YEARS3.99%$184.14N/A
10 YEARS4.49%$103.61$5,661.60 DUE AFTER 5 YEARS
 
NMLS EMCU 806317EMCU Staff 806820