Loan Rates
New Vehicles & Motorcycles
Untitled & less than 7,500 miles
Untitled & less than 7,500 miles
Months
up to 72
up to 84
Rates as low as (APR)
2.74%
3.74%
Used Vehicles & Motorcycles
up to 2 years old
3 – 5 years old
6 – 7 years old
8 years and older
Months
up to 72
up to 72
up to 72
up to 60
Rates as low as (APR)
4.24%
5.74%
6.24%
7.24%
On used vehicles, EFCU will loan the retail value plus premiums for options and mileage.
For vehicles older than 7 model years, EFCU will loan based on the vehicle’s wholesale value.
Recreational Vehicles & Boats
New
Used
Months
Up to 180
Up to 180
Rates as low as (APR)
4.75%
5.25%
Signature Loan
$250 or more
Months
Up to 60
Rates as low as (APR)
14.00%
Education Loan
$250 or more
Terms
2% of the balance
Rates as low as (APR)
8.25%
VISA Credit Card
Secured *
Classic
Platinum +
Rates (APR)
9.90% fixed
13.90% fixed
7.15% variable
+ Based on Prime + 3.90% APR
Stretch Pay
$250
$500
Term
30 days
30 days
Rate (APR)
18.00%
18.00%
Annual Fee
$35
$70
- Eaton Family CU member for at least 120 days.
- 18 years or older.
- Verifiable income.
- Not delinquent on existing loans.
- Not negative in any share account.
- Not in the process of filing for bankruptcy under any chapter of the bankruptcy code.
Secured Loans
Share Secured
Certificate Secured
Term
Depends on loan type
Depends on loan type
Rate (APR)
3% above the dividend rate
2% above certificate rate being used to secure loan
Home Equity
Line of Credit
Loan
Term
5-year draw, 10-year repayment
Up to 15 years
Rate (APR)
As low as 3.25%, variable
As low as 4.25%, fixed