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Loan Rates
Rates Effective As Of July 1, 2020. 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 |
| 2019 & Newer |
36 Months |
as low as 1.90% |
$28.60 |
48 Months |
as low as 2.50% |
$21.92 |
| 60 Months |
as low as 2.75% |
$17.86 |
| 72 Months |
as low as 3.25% |
$15.31 |
|
2018-2016
*72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629 |
36 Months |
as low as 2.75% |
$28.98 |
48 Months |
as low as 3.00% |
$22.14 |
60 Months |
as low as 3.25% |
$18.09 |
72 Months |
as low as 3.50% |
$15.43 |
|
2015 & Older
*60 mo available only if loan amount is greater than $15,000 and credit score is higher than 629 |
48 Months |
as low as 4.25% |
$22.59 |
| 60 Months |
as low as 4.50% |
$18.65 |
|
| STREET
MOTORCYCLE LOANS |
Term |
APR* |
Monthly Payment
Per $1000 Borrowed |
| 2019 & Newer |
36 Months |
as low as 5.00% |
$29.98 |
48 Months |
as low as 5.00% |
$23.04 |
| 60 Months |
as low as 5.00% |
$18.88 |
| 72 Months |
as low as 5.00% |
$16.11 |
|
| 2018-2016 |
36 Months |
as low as 6.25% |
$30.54 |
48 Months |
as low as 6.25% |
$23.60 |
60 Months |
as low as 6.25% |
$19.45 |
|
| 2018-2016 |
48 Months |
as low as 6.50% |
$23.71 |
60 Months |
as low as 6.50% |
$19.57 |
|
| *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 5.00% |
$18.88 |
| 72 Months |
as low as 5.50% |
$16.34 |
| 84 Months |
as low as 6.25% |
$14.38 |
| 120 Months |
as low as 7.00% |
$11.62 |
|
Used
(Up To 10th Previous Model Year) |
60 Months |
as low as 5.50% |
$19.11 |
72 Months |
as low as 6.00% |
$16.58 |
| 84 Months |
as low as 6.50% |
$14.86 |
| 120 Months |
as low as 7.50% |
$11.88 |
|
| ATV LOANS |
Term |
APR* |
Monthly Payment
Per $1000 Borrowed |
| New |
48 Months |
as low as 5.00% |
$23.04 |
|
48 Months |
as low as 5.00% |
$23.04 |
|
| Used |
48 Months |
as low as 5.50% |
$23.26 |
|
| MOTOR
HOME (RV) & CAMPER LOANS |
Term |
APR* |
Monthly Payment
Per $1000 Borrowed |
New
(Current Model Year
Not Previously Titled) |
60 Months |
as low as 5.00% |
$18.88 |
| 72 Months |
as low as 5.50% |
$16.34 |
| 84 Months |
as low as 6.25% |
$14.74 |
| 120 Months |
as low as 7.00% |
$11.62 |
| 180 Months |
as low as 8.50% |
$9.86 |
|
Used
(Up To 10th Previous Model Year) |
60 Months |
as low as 7.00% |
$19.81 |
72 Months |
as low as 7.25% |
$17.18 |
| 84 Months |
as low as 7.50% |
$15.35 |
| 120 Months |
as low as 8.00% |
$12.14 |
| - |
- |
- |
|
| LAWN
& GARDEN EQUIPMENT LOANS |
Term |
APR* |
Monthly Payment
Per $1000 Borrowed |
New
(Current Model Year
Not Previously Titled) |
48 Months |
as low as 5.50% |
$23.26 |
| 60 Months |
as low as 5.75% |
$19.22 |
|
Used
(Up To 10th Previous Model Year) |
48 Months |
as low as 7.50% |
$24.19 |
60 Months |
as low as 7.75% |
$20.17 |
|
| HOME
EQUITY LINE OF CREDIT |
Maximum APR* |
APR* |
Monthly Payment
Per $1000 Borrowed |
| Variable Rate Product |
18.00% |
2.75%
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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