Emerald Coast Federal Credit Union
Rates









 

Loans | Savings | Share Certificates

  Best Available Rates Effective as of 06/03/2015 

Loans Rate APR*
as low as
   
Vehicles - 2013 & Newer  

1.490

1.49   Calculator
Vehicles - 2009 to 2012 5.500 5.500   Calculator
Vehicles - 2008 & Older 7.000 7.000   Calculator
Boat - 2012 & Newer  7.000 7.000   Calculator
Boat - 2011 & Older 7.500 7.500   Calculator
Motorcycle 7.250 7.250   Calculator
Recreational Vehicles 7.500 7.500   Calculator
Campers, Pop Up, Travel Trailers 7.500 7.500   Calculator
Motor Home 7.500 7.500   Calculator
Tractor, Crane, Heavy Equipment  8.250 8.250    Calculator 
Trailers - Livestock & Tractor  8.750 8.750    Calculator 
Lawn Tractor  8.750 8.750    Calculator 

 

        
Signature 9.900 9.900   Calculator
Personal LOC - Agreement available here. 9.900 9.900   Calculator
Consolidation 10.500 10.500   Calculator
Co-Maker 10.250 10.250   Calculator
Visa® - Disclosure available here. 9.900 9.900   Calculator
Share Secured - Share Rate Plus... 3.000 0.000    
Share Certificate Secured - Certificate Rate Plus... 2.000 0.000    
         
 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
**Rates determined by Loan Review Committee
***Requires Board Approval

 

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Rates Effective as of 02/01/2012

 

Savings Minimum to Earn Dividend Minimum Balance Dividend Rate APY* Term
Regular Shares* $100.01 $5.00 0.10  0.10 n/a
Share Draft Accounts $0.00 $0.00

 n/a

 n/a n/a
Christmas Club/Special Accounts* $0.00 $0.00 0.10 0.10 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 05/22/2012

 

Term Share Certificates* Minimum Deposit Dividend Rate APY* Term
91 Day Share Certificate $1000.00 0.15 0.15 91 days
6 Month Share Certificate $1000.00 0.20 0.20 6 months 
12 Month Share Certificate $1000.00 0.30 0.30 12 months
18 Month Share Certificate $1000.00 0.35 0.35 18 months
24 Month Share Certificate $1000.00 0.40 0.40 24 months
30 Month Share Certificate $1000.00 0.45 0.45 30 months
36 Month Share Certificate $1000.00 0.50 0.50 36 months
91 Day IRA/ESA Certificate $250.00 0.15 0.15 91 days
6 Month IRA/ESA Certificate $250.00 0.20 0.20 6 months
12 Month IRA/ESA Certificate $250.00 0.30 0.30 12 months
18 Month IRA/ESA Certificate $250.00 0.35 0.35 18 months
24 Month IRA/ESA Certificate $250.00 0.40 0.40 24 months
30 Month IRA/ESA Certificate $250.00 0.45 0.45 30 months
36 Month IRA/ESA Certificate $250.00  0.50 0.50 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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