Welcome to eValue Lending!
Rates are based on an evaluation of each applicant's credit. Your actual rate may be higher. Loan rates are subject to change and vary depending on loan type and/or term. All loans are subject to credit approval.

Current loan rates listed effective September 12, 2007.

Loan Calculator Apply Now Current Promotions


New Vehicles
Includes Motorcycles, New/Used Boats, Campers, and New/Used Recreation Vehicles
  • Up to 125% Financing including Tax, Tags, Title, and Warranties

Fixed Term
APR
Cost/$1,000 Borrowed
24 months
as low as 5.89%
24 monthly payments of $44.27
36 months
as low as 5.89%
36 monthly payments of $30.37
48 months
as low as 5.89%
48 monthly payments of $23.43
60 months
as low as 5.89%
60 monthly payments of $19.28
72 months^
as low as 6.39%
72 monthly payments of $16.76
84 months^
as low as 6.39%
84 monthly payments of $14.80
96 months+
as low as 6.39%
96 monthly payments of $13.33

^Loan amount must be $20,000 or greater.
+Loan amount must be $40,000 or greater.


Used Vehicles
Includes Motorcycles and Campers

Fixed Term
APR
Cost/$1,000 Borrowed
24 months
as low as 5.89%
24 monthly payments of $44.27
36 months
as low as 5.89%
36 monthly payments of $30.37
48 months
as low as 5.89%
48 monthly payments of $23.43
60 months
as low as 5.89%
60 monthly payments of $19.28
72^ months
as low as 6.39%
72 monthly payments of $16.76
84^ months
as low as 6.39%
84 monthly payments of $14.80

^Loan amount must be $20,000 or greater.


New & Used Other Vehicles
Includes Jet Skis, Snowmobiles, Tractors, ATVs

Fixed Term
APR
24 months
9.09%*
36 months
9.19%
48 months
9.29%
60 months
9.39%
*For example, 24 monthly payments of $45.73 per $1000 borrowed.

Hybrid Vehicle Discount
Fuel-Efficient Vehicle Purchase

1% Loan Discount Read More


Education Loans
Loans for education expenses such as tuition, textbooks, and housing for Pre-K through Graduate Studies from an accredited institution.

Amount to Borrow
APR
Fixed Term
$25,000.01 and above
9.75%
Up to 120 Months
$15,000.01 - $25,000.00
9.25%
Up to 96 Months
$10,000.01 - $15,000.00
8.50%
Up to 60 Months
$ 5,000.01 - $10,000.00
8.75%
Up to 48 Months
$ 2,500.01 - $ 5,000.00
8.50%
Up to 36 Months
$1,000.00 - $ 2,500.00
8.25%
Up to 24 Months*

*For example: 24 monthly payments of $45.34 per $1000 borrowed.



First Mortgages and Refinancing

Click Here for current rates and information.


Solar Loans

Fixed Term APR
5 Year 6.50% (Prime - 1.25)*
10 Year 7.00% (Prime - .75)
15 Year 7.50% (Prime - .25)

Based on the Wall Street Journal Prime Rate of 7.75% as of 09/26/2007. Minimum loan amount of $5,000. Terms from 60 to 180 months. Home Equity Rebate Program: at settlement, a member could receive a refund of the cost incurred while processing/closing a solar loan. There is a maximum refund of $1,000 per settlement.
*Example: 60 monthly payments of $4.51 per $1000 borrowed.


Second Mortgages

Traditional Fixed Rate Equity Loans
APR
3-Year Second Mortgage
as low as 6.95%*
5-Year Second Mortgage
as low as 6.95%
7-Year Second Mortgage
as low as 6.95%
10-Year Second Mortgage
as low as 7.95%
15-year Second Mortgage
as low as 7.95%
Auto Equity Loan^

5-Year, Second Mortgage
Prime-.25%
Quick Equity Loan^

5-Year, Second Mortgage
Prime + 4.5%

^Based on the Wall Street Journal Prime Rate of 7.75% as of 09/26/2007.
*Payment example: 36 monthly payments of $30.85 per $1000 borrowed.


Home Equity Line of Credit - Variable Rate

Variable Rate LOCs
APR
10-Year Preferred Home Equity LOC
8.00% (Prime - .25%, Floor of 4.00%)
15-Year Select Home Equity LOC
7.50% (Prime - .75%, Floor of 4.00%)

Based on The Wall Street Journal Prime Rate of 8.25% as of 07/01/2007--the rate on this product is adjusted January 1st and July 1st ONLY!

IMPORTANT HOME EQUITY/SECOND MORTGAGE INFORMATION: Maximum rate for all home equity and/or second mortgage loans is 18.00% APR —- the maximum usury rate established by the NCUA. The rate floor for all home equity loans is 4.00% APR. Home owners insurance and flood insurance, if applicable, is required.



Other Loans

Program
Term
APR
Cost/$1,000 Borrowed
Signature Loan, 0-60 months
Fixed
as low as 11.30%
60 month loan: 60 payments of $21.30
Signature Loan, 61-72 months
Fixed
as low as 11.80%
72 month loan: 72 payments of $18.83
Debt Consolidation
Fixed
16.90%
12 month loan: 12 payments of $91.16
Share Secured
Variable
Share Rate plus 3%
EFCU Term Share Certificate
Variable
3% plus Term Share Certificate Rate
Personal Line of Credit**
Variable
Prime + 7%

**Based on the Wall Street Journal Prime Rate of 7.75% as of 09/26/2007.


Credit Card
The credit card program is based on an evaluation of each applicant's credit.

EFCU Credit Card
New Purchase APR
Balance Transfer APR
Delinquent Accounts APR
Other APR
VISA Platinum 9.90%
Purchases		 6.90%
Balance Transfer Rate		 11.40%
Delinquent Accounts		 10.25%
Cash Advance
VISA Classic
 13.40%
Purchases		 9.90%
Balance Tranfer Rate		 14.90%
Delinquent Accounts		 13.75%
Cash Advance
VISA Classic Share Secured
 16.50%
Purchases		 14.40%
Balance Transfer Rate		 17.90%
Delinquent Account		 16.50%
Cash Advance
The following fees are applicable to all EFCU credit cards: Annual Fee - $10.00, Currently Waived; Late Payment - $15.00; Over-the-Credit Limit Fee - $15.00, and Cash Advance Fee - $2.00, Currently Waived.



Savings & Investments Investment Product Rates

Type of Account
Minimum Balance
Annual Percentage Yield (APY)
Dividend Rate
Membership Share Savings Account
$50.00
0.40%
0.40%
Accumulator Savings Account
sub-share account
0.50%
0.50%
Money Market Account
$2500.00
0.75%
0.75%
Individual Retirement Savings Account (IRA ROTH and Education IRAs)
$50.00
.75%
.75%

The above interest rates and annual percentage yields (APY) will be offered through 10/11/2007 at least. After this date, please call our main line at 1-800-223-2177 and select 5 for current deposit rates. Amount shown represents minimum amount to obtain the stated APY. Rates may change after the account is opened. Fees could reduce the earnings on the account. An early withdrawal penalty may be imposed.



IRA and Term Share Certificate Rates

Big Certificate Sale! Click Here for more information.

IRA Premium Rates+
APY*
Dividend Rate
        
Term Share Rates+
APY*
Dividend Rate
3 Months
3.21%
3.17%
  
3 Months
3.01%
2.98%
6 Months
3.75%
3.70%
  
6 Months
3.55%
3.50%
12 Months
4.07%
4.01%
  
12 Months
3.87%
3.82%
18 Months
3.78%
3.73%
  
18 Months
3.58%
3.53%
24 Months
3.78%
3.73%
  
24 Months
3.58%
3.53%
36 Months
3.87%
3.82%
  
36 Months
3.67%
3.62%
48 Months
4.01%
3.95%
  
48 Months
3.81%
3.76%
60 Months
4.25%
4.18%
  
60 Months
4.05%
3.99%

*APY=Annual Percentage Yield.
+ The initial deposit to open an IRA Share Certificate or a Term Share Certificate is $500. There may be a ninety (90) day interest penalty for early withdrawal of an IRA Share Certificate or a Term Certificate, and early withdrawal from the Term Certificate may affect the principal.
The above interest rates and annual percentage yields (APY) will be offered through 10/11/2007 at least. After this date, please call our main line at 1-800-223-2177 and select 5 for current deposit rates. Amount shown represents minimum amount to obtain the stated APY. Rates may change after the account is opened. Fees could reduce earnings on the account.



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