Loan Rates

Rates Effective As Of January 1, 2018.  Terms and Conditions subject to change without notice.
*APR is the Annual Percentage Rate. Subject to credit approval.
Rate shown includes risk based pricing and relationship discount.

VEHICLE LOANS
Term
APR*
Monthly Payment
Per $1000 Borrowed
2017 & Newer 36 Months as low as 1.99% $28.64
48 Months
as low as 2.40%
$21.88
60 Months as low as 2.70% $17.84
72 Months as low as 3.20% $15.29
2016-2014
*72 mo available only if loan amount is greater than $20,000 and credit score is higher than 720
36 Months as low as 2.50% $28.87
48 Months
as low as 3.25%
$22.25
60 Months
as low as 3.50%
$18.20
72 Months
as low as 3.75%
$15.54
2013 & Older
*60 mo available only if loan amount is greater than $15,000 and credit score is higher than 720
48 Months as low as 4.50% $22.81
60 Months as low as 4.75% $18.76


STREET MOTORCYCLE LOANS
Term
APR*
Monthly Payment
Per $1000 Borrowed
2017 & Newer
48 Months
as low as 5.25%
$23.14
60 Months as low as 5.25% $18.99
72 Months as low as 5.25% $16.22
2016 - 2014
48 Months
as low as 6.25%
$23.60
60 Months
as low as 6.25%
$19.45
2013 & Older 48 Months as low as 6.50% $23.71
*APR is the Annual Percentage Rate. Rate shown includes risk based pricing and relationship discounts.


BOAT LOANS
Term
APR*
Monthly Payment
Per $1000 Borrowed
New
(Current Model Year Not Previously Titled)
60 Months
as low as 7.50%
$20.08
84 Months as low as 7.75% $15.47
120 Months as low as 8.00% $12.16
Used
(Up To 10th Previous Model Year)
60 Months
as low as 7.50%
$20.08
84 Months
as low as 7.75%
$15.47
120 Months as low as 8.00% $12.16


ATV LOANS
Term
APR*
Monthly Payment
Per $1000 Borrowed
New
60 Months
as low as 7.50%
$20.08
Used
60 Months
as low as 7.75%
$20.18


MOTOR HOME (RV) & CAMPER LOANS
Term
APR*
Monthly Payment
Per $1000 Borrowed
New
(Current Model Year Not Previously Titled)
60 Months
as low as 7.50%
$20.08
84 Months as low as 7.75% $15.50
120 Months as low as 8.00% $12.16
180 Months as low as 8.50% $9.88
Used
(Up To 10th Previous Model Year)
60 Months
as low as 7.75%
$20.21
84 Months
as low as 8.00%
$16.19
120 Months as low as 8.50% $12.43
180 Months - -


LAWN & GARDEN EQUIPMENT LOANS
Term
APR*
Monthly Payment
Per $1000 Borrowed
New
(Current Model Year Not Previously Titled)
48 Months
as low as 6.00%
$23.53
72 Months as low as 6.00% $16.60
Used
(Up To 10th Previous Model Year)
48 Months
as low as 7.50%
$24.23
72 Months
-
-


HOME EQUITY LINE OF CREDIT
Maximum APR*
APR*
Monthly Payment
Per $1000 Borrowed
Variable Rate Product
18.00%
4.00%
Currently
-
Borrower is responsible for appraisal fees incurred by the credit union. Costs range from $300 - $500 per appraisal. Home Equity Lines of Credit are variable rate loans. Rates will be the greater of WSJ minus 0.5%, or 2.5% (floor). Lifetime maximum variable APR is 18.00%. Borrower is responsible for appraisal fees incurred by the credit union. Costs range from $300 - $500 per appraisal. No other fees are associated with application or closing for this account. Property insurance is required and in cases where applicable, flood insurance may be required as well.


VISA CREDIT CARD
Annual Percentage Rate For Purchases
9.90%, 11.90%, or 19.90%
When you open your account, based on your creditworthiness.
Introductory APR*
6.90%
Your introductory APR applies only to purchases and
is valid for six (6) months  from account opening.

Disclosures
Platinum Card Disclosures
Gold Card Disclosures
Classic Card Disclosures

EPCU Relationship Pricing Loan Discounts
0.1%      -Net Direct Deposit (net or $500.00)
0.1%      -Payroll Deduction (to loan receiving discount)
0.1%      -EPCU Checking Account with Visa Debit Card
0.1%      -Enrolled in E-statements
0.1%      -EPCU Visa Credit Card
For Credit Card Tips from the consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
     
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