Emerald Coast Federal Credit Union
Rates









 

Loans | Savings | Share Certificates

  Best Available Rates Effective as of 06/01/2017.

Loans
(Currently matching new vehicle loans down to 2.00% APR for qualified borrowers)
APR* AS LOW AS    
New Collateral (2016 and Newer) - Vehicles, Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Heavy Equipment, Motorhomes, 5th Wheels, and Travel Trailers. Rate listed is for a 36 month term.  Longer term rates available; contact Credit Union.

2.29%

  Calculator
Used Collateral (2015 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.  Rate listed is for a 36 month term.  Longer term rates available; contact Credit Union.
3.49%   Calculator
Signature 9.90%   Calculator
Personal LOC - Agreement available here. 9.90%   Calculator
Consolidation 9.90%   Calculator
Visa® Credit Card - Disclosure available here. 9.90%   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, are determined by loan term and 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 05/01/2017
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 0.25 0.25 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 0.25 0.25 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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