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Rates at EW#22 FCU

Current Rates

Dividend Rates – EFFECTIVE Feb. 27, 2020
[Rates Subject To Change Without Notice]

 RATEAPY*Minimum
Balance
Compound
Frequency
Share Account
0.10%0.10% APY$300.00-10,000.00
0.15%0.15% APY$10,000.01-49,999.99
0.20%0.20% APY$50,000.00-& Above
Elite Draft
0.00%0.00% APY$300.00-1,000.00
0.00%0.00% APY$1,000.01-5,000.00
0.00%0.00% APY$5,000.01-& Above
($5.00 Monthly Service Charge For Balance Below $150.00)
Value Draft
College Fund “U”-U0.10%0.10% APY(21 and under)
Youth Account “C”-C0.05%0.05% APY(17 and under)
Kids Account “K” -K0.05%0.05% APY(12 and under)
Christmas Club “D”-H0.15%0.15% APY
 RATEAPY*Minimum
Balance
Compound
Frequency
Share Certificate – CD
6 Months Term “O”0.10%0.10% APYMinimum $500.00
12 Months Term “N”0.20%0.20% APYMinimum $500.00
24 Months Term “Q”0.30%0.30% APYMinimum $500.00
IRA's
0.35%0.35% APY$500.00–& ABOVE

Auto Loans – EFFECTIVE Feb. 27, 2020
[Rates Subject To Change Without Notice]

Salvage Titles-Interest Rate is 1% higher than the rate listed below. New vehicles must have MSO title loan amt based on the purchase price.

Loan Rates for New & Used Vehicles  (download loan fee schedule)

YearAPRMaximum
Amount
TermSecurity
New (2022-2021)1.99%100% of Purchase Price12-36 MonthsTitle/Ins
New (2022-2021)2.50%100% of Purchase Price37-48 MonthsTitle/Ins
New (2022-2021)2.99%100% of Purchase Price49-60 MonthsTitle/Ins
New (2022-2021) ($18K+)3.99%100% of Purchase Price61-72 MonthsTitle/Ins
New (2022-2021) ($18K+)4.99%100% of Purchase Price73-84 MonthsTitle/Ins
New (2022-2021)2.99%110% of Purchase Price12-36 MonthsTitle/Ins
New (2022-2021)3.50%110% of Purchase Price37-48 MonthsTitle/Ins
New (2022-2021)3.99%110% of Purchase Price49-60 MonthsTitle/Ins
New (2022-2021)4.99%110% of Purchase Price61-72 MonthsTitle/Ins
Used (2020-2018)3.99%100% of NADA Avg Retail12-48 MonthsTitle/Ins
Used (2020-2018)4.99%100% of NADA Avg Retail49-60 MonthsTitle/Ins
Used (2020-2018)5.25%100% of NADA Avg Retail61-72 MonthsTitle/Ins
Used (2020-2018)4.99%110% of NADA Avg Retail12-48 MonthsTitle/Ins
Used (2020-2018)5.99%110% of NADA Avg Retail49-60 MonthsTitle/Ins
Used (2017-2014)5.25%110% of NADA Trade In12-36 MonthsTitle/Ins
Used (2017-2014)5.40%110% of NADA Trade In37-60 MonthsTitle/Ins
Used (2017-2014)6.25%110% of NADA Retail12-36 MonthsTitle/Ins
Used (2017-2014)6.40%110% of NADA Retail37-60 MonthsTitle/Ins
Used (2013-2003)6.50%110% of NADA Trade In 12-48 MonthsTitle/Ins

Motorcycle, Side car & Trailer Loans – EFFECTIVE Dec. 13, 2021
[Rates Subject To Change Without Notice]

New Motorcycle must have MSO
We will loan a maximum of 100% of the purchase price.  (download loan fee schedule)

YearAPRMaximum
Amount
TermSecurity
New (2022-2021) Never been titled4.99%100% of Purchase Price12-36 MonthsTitle/Ins
4.99%100% of Purchase Price37-72 MonthsTitle/Ins
Used (2020-2019)
$500 - On up
5.50%90% of NADA Avg Retail12-72 MonthsTitle/Ins
$15,000.00 – On Up5.50%90% of NADA Avg Retail48-72 MonthsTitle/Ins
Used (2018-2017)
$500 - On up
5.99%90% of NADA Avg Retail12-36 MonthsTitle/Ins
$500 - On up5.99%90% of NADA Avg Retail55-72 MonthsTitle/Ins
Used (2016-2015)
$500 - On up
5.99%90% of NADA Avg Retail13-36 MonthsTitle/Ins
$500 - On up5.99%90% of NADA Avg Retail37-48 MonthsTitle/Ins

Used Motorcycle – 2014-2009
[Rates Subject To Change Without Notice]

We will loan a maximum of 100% AVG. TRADE-IN amount in the NADA Official Guide book

YearAPRMaximum
Amount
TermSecurity
Used (2014-2009)
$500 - On up
9.00%NADA Avg Trade-in13-24 MonthsTitle/Ins
$500 - On up9.00%NADA Avg Trade-in25-30 MonthsTitle/Ins
$500 - On up9.00%NADA Avg Trade-in31-36 MonthsTitle/Ins

Boat Loans – EFFECTIVE Feb. 27, 2020
[Rates Subject To Change Without Notice]

(download loan fee schedule)

YearAPRMaximum
Amount
TermSecurity
New (2022-2021) Never been titled7.50%100% of Purchase Price60 MonthsTitle/Ins
7.90%100% of Avg Retail48 MonthsTitle/Ins

Loans – (download loan fee schedule)
[Rates Subject To Change Without Notice]

  • Shared Secured – Up to 60 Months –  6.00%
  • Term Secured – Up to 60 Months – 6.00%
  • Overdraft Protection – 18.00%

PERSONAL LOANS up to 5K @ 7.50% (new money only) PAYMENT $123.00/MO! (48 MONTHS)

NEW FEES:

  • 2nd Mortgage Documentation Fee $100.00
  • All other Loans Documentation Fee $30.00
  • We are now using credit scores to determine loan rate.  A $30.00 fee will be applied to all loans.
 APR TermSecurity
7.50%Up to $5,000 (New Money)12-48 MonthsUnsecured

Second Mortgage Loans – EFFECTIVE Feb. 27, 2020 (download description & fee schedule)
[Rates Subject To Change Without Notice]

 APR TermSecurity
6.00%$ 3,000.00 – $70,000.0012-120 Months