Emerald Coast Federal Credit Union
Rates









 

Loans | Savings | Share Certificates

  Best Available Rates Effective as of 10/17/2014 

Loans Rate APR*
as low as
   
Vehicles - 2012 & Newer  

4.000

4.000   Calculator
Vehicles - 2009 to 2011 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 - Up To 60 Months 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 

Motor Home**  (Contact credit union for more info.)

        
Airplane***  (Contact credit union for more info.)        
Signature 9.900 9.900   Calculator
Personal LOC 9.900 9.900   Calculator
Consolidation 10.500 10.500   Calculator
Co-Maker 10.250 10.250   Calculator
Visa® 9.900 9.900   Calculator
Share Secured - Share Rate Plus... 3.000 0.000    
Share Certificate Secured - Certificate Rate Plus... 2.000 0.000    
Prime Rate (****See Disclosure Below) 3.250      
First Mortgage 1 Yr Float Var Rate 5.500 5.500    
Second Mortgage 1 Yr Float Var Rate 5.500 5.500    
Property Only 1 Yr Float Var Rate 7.000 7.000    
Property Only Fixed Rate For 5 Years 7.000 7.000    
First Mortgage Fixed Rate for 5 Years  5.500  5.500    
First Mortgage Fixed Rate Over 5 Years*** (Contact credit union for more info.)        
Second Mortgage Fixed Rate***  (Contact credit union for more info.)        
Mobile Home With Property Fixed Rate***  (Contact credit union for more info.)        
Mobile Home With Property Var Rate 7.000 7.000    
         
             
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

****New Loan Floor Houses:  5.500%, New Loan Floor Property Only:  7.000%, New Loan Floor Mobile Home:  7.000%.

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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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