Autos 2023 & older

Loans | Term | APR* |
---|---|---|
Autos 2023 & older |
Up to 36 months |
6.38% Fixed |
Autos 2023 & older |
Up to 84 months |
6.74% Fixed |
Extended Term Passenger Vehicle |
Up to 84 months |
Call Enrichment Office for Quote |
Recreational Vehicles 2023 & older |
Up to 36 months |
6.38% Fixed |
Recreational Vehicles 2023 & older |
Up to 84 months |
6.74% Fixed |
Recreational Vehicles 2023 & older |
Up to 180 months | Call Enrichment Office for Quote |
Non-Traditional Collateral (farm tractors, horse trailers, etc.) |
Call for more information |
Call Enrichment Office for Quote |
Lines of Credit & Signature Loans |
Up to 60 months |
13.00% Variable |
Share Secured Loans |
Up to 120 months |
2.10% Variable |
Heating, Ventilation, & Air Conditioning (HVAC) Loans |
Up to 84 months |
starting at 5.99% Fixed |
*Rates are expressed as an annual percentage rate (APR) and are subject to change. Consumer rates and terms are based on Enrichment Federal Credit Union's Performance Based Pricing program's best rate. All rates are based on credit score and represent highest tiers. Some restrictions and other criteria may apply. An additional 1% will be added to the rate for vehicles with over 100,000 miles. Variable rates may increase after consummation.
Recreational vehicle loans include boats, motors, trailers, motorcycles, & campers. Financing terms for new/used RVs and autos include up to 100% financing; repayment varies depending on the model year to 78 months. Terms exceeding 78 months will be considered if the value is $30,000 or greater. Aggregate unsecured indebtedness with Enrichment Credit Union cannot exceed $50,000.
Loans | Term |
APR
|
---|---|---|
1st Mortgage (5/1 year ARM) | 30 Years Max |
4.500%* Variable
(4.700%)
|
1st Mortgage (5 year ARM) | 30 Years Max |
4.750%* Variable
(4.960%)
|
1st Mortgage | 10 Year Fixed |
4.900%* Fixed
(5.430%)
|
1st Mortgage | 15 Year Fixed |
5.625%* Fixed
(5.780%)
|
1st Mortgage | 20 Year Fixed |
6.125%* Fixed
(6.250%)
|
1st Mortgage | 30 Year Fixed |
6.500%* Fixed
(6.720%)
|
2nd Mortgage | 10 Year Fixed |
7.500%*Fixed
(8.060%)
|
Home Equity Line of Credit | 8.250% Variable | |
Home Construction to Permanent | 30 Year Fixed |
6.500%* Fixed
(6.720%)
|
Rental Property | 15 year balloon/20 year amortization |
7.250%* Variable
(7.570%)
|
Mobile Home with Real Estate | 20 year maximum |
9.625%* Variable
(9.960%)
|
Unimproved Property | 15 year maximum |
6.875%* Variable
(7.260%)
|
*Mortgage rates are based on a 80% loan-to-value; contact your nearest office for current rates on mortgage amounts over $417,000. Mortgage rates and terms are based on Enrichment Credit Union’s Performance Based Pricing program’s best rate. Annual Percentage Rate (APR) based on $100,000 loan calculations. Rate for Home Equity line-of-credit will be the Wall Street Journal Prime Rate. Variable rates may increase after consummation.
Card Type | APR for Purchases* |
APR for Cash Advances*
|
---|---|---|
Enrichment Mastercard | 11.25% variable |
15.25%* variable
|
Mastercard Rewards | 14.75% variable | 16.75%* variable |
Mastercard Platinum | 13.25% variable |
15.25%* variable
|
*The rate for Enrichment Mastercard will be set at the Wall Street Journal Prime Rate plus 3% for purchases and balance transfers, and the Wall Street Journal Prime Rate plus 7% for cash advances.
The rate for Mastercard Rewards will be set at the Wall Street Journal Prime Rate plus 6.50% for purchases and balance transfers, and the Wall Street Journal Prime Rate plus 8.50% for cash advances.
The rate for Mastercard Platinum will be set at the Wall Street Journal Prime Rate plus 5% for purchases and balance transfers, and the Wall Street Journal Prime Rate plus 7% for cash advances. Variable rates may increase after consummation.
Account | Minimum to Open | Balance Required to Earn Dividends | Dividend Rate | APY** |
---|---|---|---|---|
Regular Savings | $5 | ---- | 0.10% | 0.10% |
Ownership Rewards | --- | ---- | 5.00% | 5.12% |
U Name It Savings | --- | ---- | 0.10% | 0.10% |
Health Savings Account (HSA) | --- | ---- | 0.30% | 0.30% |
Auto Escrow | --- | ---- | 0.05% | 0.05% |
Mortgage Escrow | --- | ---- | 0.05% | 0.05% |
Christmas Club | --- | ---- | 0.10% | 0.10% |
Money Market (tier 1) |
--- | $2,500.00 - $24,999.99 | 0.20% | 0.20% |
Money Market (tier 2) | --- | $25,000.00 - $49,999.99 | 0.25% | 0.25% |
Money Market (tier 3) | --- | $50,000.00 or greater | 0.30% | 0.30% |
IRA Variable Savings | --- | ---- | 0.25% | 0.25% |
**APY means Annual Percentage Yield. See full disclosures
Account | Minimum to Open | Balance Required to Earn Interest | Interest Rate | APY** |
---|---|---|---|---|
eSpend Checking (tier 1) | --- | $0 - $4,999.99 | 0.05% | 0.05% |
eSpend Checking (tier 2)
|
--- | $5,000 - $9,999.99 | 0.10% | 0.10% |
eSpend Checking (tier 3) | --- | $10,000 or greater | 0.15% | 0.15% |
eSpend Lite Checking | --- | ---- | ---- | ---- |
Business Checking | --- | $300 | 0.05% | 0.05% |
**APY means Annual Percentage Yield. See full disclosures.
Account | Minimum to Open | Interest Rate | APY** |
---|---|---|---|
3 Month* | $500 | 0.25% | 0.25% |
6 Month* | $500 | 0.40% | 0.40% |
12 Month | $500 | 0.55% | 0.55% |
24 Month | $500 | 0.75% | 0.75% |
36 Month | $500 | 0.90% | 0.90% |
48 Month | $500 | 1.05% | 1.06% |
60 Month | $500 | 1.20% |
1.21%
|
*3 Month & 6 Month Terms do not apply to IRA Certificates.
**APY means Annual Percentage Yield.
For all certificates, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of less than 1 year are 30 days dividends (or total dividends earned if open < 30 days); Terms greater than 1 year are 90 days dividends (or total dividends earned if open < 90 days). See full disclosures
Account | Minimum to Open | Interest Rate | APY** |
---|---|---|---|
18 Month Bump Up* | $500 | 4.65% | 4.75% |
18 Month IRA Bump UP* | $500 | 4.65% | 4.75% |
*One time rate adjustment during the 18-month term. At the end of the 18-month term the certificate will auto renew to regular 12-month term and rate.
**APY means Annual Percentage Yield.
For all certificates, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of less than 1 year are 30 days dividends (or total dividends earned if open < 30 days); Terms greater than 1 year are 90 days dividends (or total dividends earned if open < 90 days). See full disclosures
Account | Minimum to Open | Interest Rate | APY** |
---|---|---|---|
3 Month* | $100,000 | 0.25% | 0.25% |
6 Month* | $100,000 | 0.40% | 0.40% |
12 Month | $100,000 | 0.55% | 0.55% |
24 Month | $100,000 | 0.75% | 0.75% |
36 Month | $100,000 | 0.90% | 0.90% |
48 Month | $100,000 | 1.05% | 1.06% |
60 Month | $100,000 | 1.20% | 1.21% |
For all certificates, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of less than 1 year are 30 days dividends (or total dividends earned if open < 30 days); Terms greater than 1 year are 90 days dividends (or total dividends earned if open < 90 days). See full disclosures
Box Size | Lease Term | Rental Amount |
---|---|---|
3 x 5 | 1 Year |
$17
|
3 x 10 | 1 Year | $30 |
5 x 10 | 1 Year |
$45
|
7 x 10 | 1 Year |
$50
|
10 x 10 | 1 Year |
$65
|