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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's0.35%0.35% APY$500.00–& ABOVE

Auto Loans NEW Vehicles – EFFECTIVE Nov. 3, 2022
[Rates Subject To Change Without Notice]

2020, 2021, 2022 & 2023 Vehicles

Membership minimum balance of $25 required.

J.D. Power - NADA Guides

New, CPO and Used Car Prices
Book Values, Trade In Values, MSRP, Reviews, Specs, Compare

Model YearTermAAA
730+
A
729-680
B
679-640
C
639-600
D
599-550
E 549-below
2022-202012-48 mos.
60 months
72 months
84 months
4.75%
5.00%
5.40%
5.50%
5.00%
5.30%
5.50%
5.55%
5.30%
5.70%
6.35%
6.35%
6.30%
6.70%
7.20%
7.30%
9.00%
9.30%
9.90%
10.20%
10.00%
10.30%
10.50%
10.75%
YearAPRApproximate Monthly Payment Per $1,000TermSecurity
New (2022-2020)As low as 4.75%*$22.9212-48 MonthsTitle/Ins
New (2022-2020)As low as 5.00%*$18.8760 MonthsTitle/Ins
New (2022-2020)As low as 5.40%*$16.2972 MonthsTitle/Ins
New (2022-2020)As low as 5.50%*$14.3784 MonthsTitle/Ins
Rates subject to change without notice and with approved credit. Payment Example: On a $25,000.00 new auto loan, 60 month term with 5.00% APR, the monthly payment would be approximately $471.78. *For vehicles with 100,000+ in mileage add 1%.

Other Secured Loans (USED vehicles, all watercraft, motorcycles, ATVs, etc.) – EFFECTIVE Nov. 3, 2022

[Rates Subject To Change Without Notice]

Membership minimum balance of $25 required.

Model YearTermAAA
730+
A
729-680
B
679-640
C
639-600
D
599-550
E 549-below
201912-48 mos.
72 months
5.60%
5.70%
5.70%
5.85%
6.35%
6.35%
7.60%
7.70%
11.00%
11.00%
11.90%
11.90%
201812-48 mos.
60 months
72 months
84 months
5.25%
5.50%
5.75%
6.20%
5.50%
5.60%
5.75%
6.20%
6.00%
6.00%
6.10%
6.35%
7.20%
7.20%
7.60%
8.00%
10.00%
10.20%
10.20%
11.50%
11.00%
11.50%
11.75%
12.00%
201712-48 mos.
60 months
72 months
84 months
5.60%
5.70%
5.80%
6.20%
5.60%
5.80%
5.90%
6.30%
6.00%
6.00%
6.35%
6.50%
7.50%
7.60%
7.80%
8.00%
9.75%
10.00%
10.50%
11.00%
10.00%
10.50%
11.00%
11.50%
201612-48 mos.
60 months
72 months
5.70%
5.85%
6.00%
5.70%
6.00%
6.00%
6.20%
6.50%
6.60%
8.00%
8.20%
8.50%
10.30%
10.50%
11.00%
10.50%
11.00%
N/A
201512-48 mos.
60 months
72 months
5.70%
6.00%
6.25%
5.70%
6.00%
6.25%
6.25%
6.50%
7.00%
8.00%
8.20%
8.50%
10.00%
10.50%
N/A
10.50%
11.00%
N/A
201412-48 mos.
60 months
6.00%
6.00%
6.00%
6.15%
6.50%
6.70%
8.45%
8.60%
8.75%
9.00%
201312-48 mos.
60 months
6.00%
6.00%
6.15%
6.35%
7.50%
8.00%
8.45%
8.85%
10.50%
10.50%
2012 & Older12-36 mos.
48 months
60 months
8.00%
8.50%
8.75%
8.00%
8.50%
8.75%
9.00%
9.00%
9.20%
10.85%
11.00%
N/A
13.50%
13.50%
N/A
APRApproximate Monthly Payment Per $1,000Term
As low as 5.25%*$23.1412-48 Months
As low as 5.50%*$19.1060 Months
As low as 5.75%*$16.4672 Months
As low as 6.20%*$14.7084 Months
Rates subject to change without notice and with approved credit. Payment Example: On a $15,000.00 vehicle loan, 60 month term with 5.50% APR, the monthly payment would be approximately $286.52. *For vehicles with 100,000+ in mileage add 1%.

Personal Loan Rates – EFFECTIVE Aug. 4, 2022
[Rates Subject To Change Without Notice]

Membership minimum balance of $25 required.

APRApproximate Monthly Payment Per $1,000Term
As low as 9.20%*$45.7924 Months
As low as 9.70%*$32.1436 Months
As low as 10.20%*$25.4748 Months

Payment Example Loan Notes

**Overdraft Protection: 18% APR

Share Secured: As low as 3.00% APR (Fixed Rate)

Certificate Secured: 3.00% APR Plus Highest Certificate Rate

All variable loan rates subject to change without notice and with approved credit.

 

NEW FEES:

  • Personal Loans Fee $50.00
  • Vehicle and Boat Loan Fee $100.00
  • 2nd Mortgage Documentation Fee $100.00
  • We are now using credit scores to determine loan rate