Rates at EW#22 FCU

Current Rates

Electrical Workers #22 Federal Credit Union

 

Dividend Rates – EFFECTIVE Feb. 27, 2020

[Rates Subject To Change Without Notice]

  RATE APY*

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”-U

 

0.10%

0.10% APY

 

(21 and under)  

  Youth Account “C”-C

 

0.05% 0.05% APY (17 and under)  

  Kids Account “K” -K

 

0.05% 0.05% APY (12 and under)
  Christmas Club “D”-H 0.15% 0.15% APY

Term Share Accounts

EFFECTIVE Oct. 13, 2020

[Rates Subject To Change Without Notice]

  Share Certificate – CD

  6 Months Term “O”

 

0.10% 0.10% APY Minimum $500.00  

  12 Months Term “N”

 

0.20%

0.20% APY

 

Minimum $500.00  

  24 Months Term “Q”

 

0..30% 0.30% APY Minimum $1.000.00  
  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 1% HIGHER THAN RATE LISTED BELOW

NEW VEHICLES MUST HAVE MSO TITLE LOAN AMT BASED ON PURCHASE PRICE

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

Year APR Maximum Amount Term Security
New (2020-2019) 1.99% 100% of Purchase Price 12-36 Months Title/Ins
New (2020-2019) 2.50% 100% of Purchase Price 37-48 Months Title/Ins
New (2020-2019) 2.99% 100% of Purchase Price 49-60 Months Title/Ins
New (2020-2019) ($18K+) 3.99% 100% of Purchase Price 61-72 Months Title/Ins
New (2020-2019) ($18K+) 4.99% 100% of Purchase Price 73-84 Months Title/Ins

New (2020-2019) 2.99% 110% of Purchase Price 12-36 Months Title/Ins
New (2020-2019) 3.50% 110% of Purchase Price 37-48 Months Title/Ins
New (2020-2019) 3.99% 110% of Purchase Price 49-60 Months Title/Ins
New (2020-2019) 4.99% 110% of Purchase Price 61-72 Months Title/Ins

 

Year APR Maximum Amount Term Security
Used (2018-2016) 3.99% 100% of NADA Avg Retail 12-36 Months Title/Ins
Used (2018-2016) 3.99% 100% of NADA Avg Retail 37-48 Months Title/Ins
Used (2018-2016) 4.99% 100% of NADA Avg Retail 49-60 Months Title/Ins
Used (2018-2016)

5.25%

 

100% of NADA Avg Retail 61-72 Months Title/Ins

Used (2018-2016) 4.99% 110% of NADA Avg Retail 12-36 Months Title/Ins
Used (2018-2016) 4.99% 110% of NADA Avg Retail 37-48 Months Title/Ins
Used (2018-2016) 5.99% 110% of NADA Avg Retail 49-60 Months Title/Ins

Used (2015-2013) 5.25% 110% of NADA Avg Trade In 12-36 Months Title/Ins
Used (2015-2013) 5.40% 110% of NADA Avg Trade In 37-48 Months Title/Ins
Used (2015-2013) 6.25% 100% of NADA Avg Retail 12-36 Months Title/Ins
Used (2015-2013) 6.40% 100% of NADA Avg Retail 37-48 Months Title/Ins

Used (2012-2001) 6.50% 100% of NADA Trade In 12-36 Months Title/Ins
Used (2012-2001) 6.50% 100% of NADA Trade In 37-48 Months Title/Ins

Motorcycle Side car & Trailer  (download fee schedule)

 

EFFECTIVE Feb. 27, 2020

[Rates Subject To Change Without Notice]

NEW MOTORCYCLE-MUST HAVE MSO

WE WILL LOAN A MAXIMUM OF 100% OF THE PURCHASE PRICE

  APR Maximum Amount Term Security
New (2020-2019) (Never been Titled) 4.99% 100% of Purchase Price 12-72 Months Title/Ins

Used (2018-2016)        
$500.00 – On Up 5.50% 90% of NADA AVG. Retail 12-72 Months Title/Ins
$15,000.00 – On Up 5.50% 90% of NADA AVG. Retail 48-72 Months Title/Ins

Used (2015-2013)        
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 55-72 Months Title/Ins

Used (2012-2011)        
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 37-48 Months Title/Ins

Used (2012-2005)        
$500.00 – On Up 9.00% NADA AVG. Trade-In 12-24 Months Title/Ins
$500.00 – On Up 9.00% NADA AVG. Trade-In 25-30 Months Title/Ins
$500.00 – On Up 9.00% NADA AVG. Trade-In 31-36 Months Title/Ins

Boat Loans  (download fee schedule)

EFFECTIVE Feb. 27, 2020

 

[Rates Subject To Change Without Notice]

  APR Maximum Amount Term Security
New (2020-2019) (Never been Titled) 7.50% 100% of Purchase Price 60 Months Title/Ins

Used (2018-2014) 7.90% 100% of AVG. Retail 48 Months Title/Ins

LOANS  (download description & fee schedule)

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.

Personal Loans

  APR   Term Security
  7.50%

Up to $5,000 (New Money)

 

12-48 Months Unsecured

Second Mortgage Loans (download description & fee schedule)

 

EFFECTIVE Feb 27, 2020

[Rates Subject To Change Without Notice]

  APR      
Second Mortgage  6.00%  $ 3,000.00 – $70,000.00  12-120 Months  

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