Emerald Coast Federal Credit Union
Rates









 

Loans | Savings | Share Certificates

  Best Available Rates Effective as of 01/01/2016.

Loans
(Currently matching new vehicle loans down to 1.49% APR for qualified borrowers)
Rate* APR*
as low as
   
New Collateral (2015 and Newer) - Vehicles, Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Heavy Equipment, Motorhomes, 5th Wheels, and Travel Trailers. 

2.290

2.29   Calculator
Used Collateral (2014 and Older) - Vehicles, Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Heavy Equipment, Motorhomes, 5th Wheels, and Travel Trailers.  (Collateral older than 10 years will increase the interest rate) 3.490 3.49   Calculator
Signature 9.900 9.90   Calculator
Personal LOC - Agreement available here. 9.900 9.90   Calculator
Consolidation 9.900 9.90   Calculator
Visa® Credit Card - Disclosure available here. 9.900 9.900   Calculator
Share Secured - Share Rate Plus 3.00        
Share Certificate Secured - Certificate Rate Plus 2.00        
 For Mortgage Products, Rates and Information click here.        
Home Equity LOC First Mortgage - (Contact credit union for current rates)        
Home Equity LOC Second Mortgage - (Contact credit union for current rates)        
      Click here for our Home Equity Early Disclosure        
            

 *IMPORTANT NOTICE: Rates listed are the lowest rates available and are determined by applicant's credit score.  Rates available are subject to change without notice.

*APR = Annual Percentage Rate

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Rates Effective as of 05/01/2016

Savings                                                                                                     Minimum to Earn Dividend Minimum Balance Dividend Rate APY* Term
Regular Shares $100.01 $5.00 0.05 0.05 n/a
Share Draft Accounts $0.00 $0.00 n/a n/a n/a
Christmas Club/Special Accounts $0.00 $0.00 0.05 0.05 n/a

 *Rates are subject to change without notice. The rates stated above may change after the account is opened. Any fees charged could reduce the earnings on the account.

*APY = Annual Percentage Yield
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Rates Effective as of 04/11/2016
Term Share Certificates* Minimum Deposit Dividend Rate APY* Term
91 Day Share Certificate $1000.00 0.05 0.05 91 days
6 Month Share Certificate $1000.00 0.10 0.10 6 months 
12 Month Share Certificate $1000.00 0.15 0.15 12 months
18 Month Share Certificate $1000.00 0.20 0.20 18 months
24 Month Share Certificate $1000.00 0.30 0.30 24 months
30 Month Share Certificate $1000.00 0.35 0.35 30 months
36 Month Share Certificate $1000.00 0.40 0.40 36 months
91 Day IRA/ESA Certificate $250.00 0.05 0.05 91 days
6 Month IRA/ESA Certificate $250.00 0.10 0.10 6 months
12 Month IRA/ESA Certificate $250.00 0.15 0.15 12 months
18 Month IRA/ESA Certificate $250.00 0.20 0.20 18 months
24 Month IRA/ESA Certificate $250.00 0.30 0.30 24 months
30 Month IRA/ESA Certificate $250.00 0.35 0.35 30 months
36 Month IRA/ESA Certificate $250.00  0.40 0.40 36 months

*Rates are subject to change without notice. A penalty may be imposed for early withdrawal.

*APY = Annual Percentage Yield
Members age 55 and over receive an increase of 0.05% per rate on Term Share Certificates and IRAs.
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