Working in your best interest.

 Earn more for what you save, and pay less for what you need.
 

Loans

Consumer Loans
Home Loans
Credit Cards
Please contact us for rates on business loans. 
 

Savings

Savings Accounts
Checking Accounts
Certificate Accounts
Young Saver's Certificates

Consumer Loan Rates  back to top

Rates effective: September 1, 2019
Loans Term APR*

Autos 2014-2019 (or newer)

Up to 36 months

3.63% Fixed

Autos 2014-2019 (or newer)

Up to 78 months

3.99% Fixed

Autos 2012-2013

Up to 78 months

5.29% Fixed

Autos 2011 & older

Up to 60 months

5.29% Fixed

Extended Term Passenger Vehicle

Up to 84 months

Call Enrichment Office for Quote

Recreational Vehicles

2014-2019 (or newer)

Up to 36 months

3.63% Fixed

Recreational Vehicles

2014-2019 (or newer)

Up to 78 months

3.99% Fixed

Recreational Vehicles  2012-2013

Up to 78 months

5.29% Fixed

Recreational Vehicles 2011 & older

Up to 60 months

5.29% Fixed

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

10.00% 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.

Preapproved Gold Key loans are used for the purchase of autos and RVs from dealers; may not be used on purchases from individuals. 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.

Home Loan Rates

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Rates effective: September 1, 2019
Loans Term
APR
1st Mortgage (5/1 year ARM) 30 Years Max
3.000%* Variable
(3.155%)
1st Mortgage (5 year ARM) 30 Years Max
3.250%* Variable
(3.408%)
1st Mortgage 10 Year Fixed
3.250%* Fixed
(3.668%)
1st Mortgage 15 Year Fixed
3.500%* Fixed
(3.789%)
1st Mortgage 20 Year Fixed
3.750%* Fixed
(3.977%)
1st Mortgage 30 Year Fixed
3.875%* Fixed
(4.039%)
2nd Mortgage 10 Year Fixed 
5.750%*Fixed 
(6.188%)
Home Equity Line of Credit
5.250% Variable
Home Construction to Permanent 30 Year Fixed
3.875%* Fixed
(4.291%)
Rental Property 15 year balloon/20 year amortization
4.750%* Variable
(4.985%)
Mobile Home with Real Estate 20 year maximum
6.875%* Variable
(7.131%)
Unimproved Property 15 year maximum
4.375%* Variable
(4.672%)

*Mortgage rates are based on a 85% 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.

Credit Card Rates

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Rates effective: September 1, 2019
Card Type APR for Purchases*
APR for Cash Advances*
Enrichment Mastercard 8.25% variable
12.25% variable
Mastercard Rewards 11.75% variable 13.75% variable
Mastercard Platinum 10.25% variable
 12.25% 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.

Savings Rates   

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Rates effective: September 1, 2019
Account Minimum to Open Balance Required to Earn Interest Interest Rate APY**
Regular Savings $5 ---- 0.10% 0.10%
Mad Money & U Name It $5 ---- 0.10% 0.10%
Health Savings Account (HSA) ---- ---- 0.30% 0.30%
Auto Escrow $5 ---- 0.05% 0.05%
Mortgage Escrow $5 ---- 0.05% 0.05%
Christmas Club $5 ---- 0.10% 0.10%
Pet Pals Savings $5 ---- 0.10% 0.10%
Money Market (tier 1) $2,500 $2,500 0.20% 0.20%
Money Market (tier 2) $2,500 $25,000 0.25% 0.25%
Money Market (tier 3) $2,500 $50,000 0.30% 0.30%
IRA Variable Savings ---- ---- 0.25% 0.25%

**APY means Annual Percentage Yield.  See full disclosures

Checking Account Rates 

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Rates effective: September 1, 2019
Account Minimum to Open Balance Required to Earn Interest Interest Rate APY**
No Fee Checking $5 ---- ---- ----
Everyday & 
Business Checking
$5 $300 0.05% 0.05%
Package Checking $5 $5 0.05% 0.05%
Platinum Checking (tier 1) $5 $5 0.05% 0.05%
Platinum Checking (tier 2) $5 $5,000 0.10% 0.10%
Platinum Checking (tier 3) $5 $10,000 0.15% 0.15%
Exceptional Checking $5 $300 to $5,000* 2.00% 2.02%
Exceptional Checking $5 Greater than $5,000 0.05% 0.05%

*For each day of the month that the balance is $300 or more, we will pay 2.00% APY on balances up to $5000.00. To receive 2.00% APY, account requires direct deposit, E-Statements, and a minimum of 15 debit card transactions per month. The account receives no dividends for any day the balance falls below $300.00.

**APY means Annual Percentage Yield. See full disclosures.

Share/IRA Certificate Rates

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Rates effective: September 1, 2019
Account Minimum to Open Interest Rate APY**
3 Month* $2,500 0.25% 0.25%
6 Month* $2,500 0.45% 0.45%
12 Month $1,000 1.05% 1.06%
24 Month $1,000 1.60% 1.61%
36 Month $1,000 1.70% 1.71%
48 Month $1,000 2.00% 2.02%
60 Month $1,000 2.10% 2.12%
12 Month -Bump Up $10,000 1.05% 1.06%

*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

Jumbo Share/IRA Certificate Rates

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Rates effective: September 1, 2019
Account Minimum to Open Interest Rate APY**
3 Month* $100,000 0.25% 0.25%
6 Month* $100,000 0.45% 0.45%
12 Month $100,000 1.05% 1.06%
24 Month $100,000 1.60% 1.61%
36 Month $100,000 1.70% 1.71%
48 Month $100,000 2.00% 2.02%
60 Month $100,000 2.10% 2.12%
12 Month -Bump Up $100,000 1.05% 1.06%
*3 Month and 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

Young Savers Certificate Rates

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Rates effective: September 1, 2019
Account Minimum to Open Interest Rate APY**
3 Month $500 0.25% 0.25%
6 Month $500 0.45% 0.45%
12 Month $500 1.05% 1.06%
24 Month $500 1.60% 1.61%
36 Month $500 1.70% 1.71%
48 Month $500 2.00% 2.02%
60 Month $500 2.10% 2.12%
**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.