Autos 2026 & older
Working in your best interest.
Earn more for what you save, and pay less for what you need. Use our quick and easy calculators to see if the loan fits your budget!
Loans
Please contact us for rates on business loans.
All rates effective: October 1, 2026
Savings
All rates effective: October 1, 2026
Consumer Loan Rates back to top
| Loans | Term | APR* |
|---|---|---|
|
|
Up to 36 months |
5.50% Fixed |
|
Autos 2026 & older |
Up to 84 months |
5.75% Fixed |
|
Autos Less than 100,000 miles |
Up to 96 months |
6.50% Fixed |
|
Recreational Vehicles 2026 & older |
Up to 36 months |
5.88% Fixed |
|
Recreational Vehicles 2026 & older |
Up to 84 months |
6.24% Fixed |
|
Recreational Vehicles 2026 & 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 |
11.50% Variable |
|
Share Secured Loans |
Up to 120 months |
2.10% Variable |
|
Heating, Ventilation, & Air Conditioning (HVAC) Loans |
Up to 84 months |
starting at 7.50% 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, campers, motorhomes, and motorcycles. Loan terms for new/used RVs up to 84 months. Terms exceeding 84 months require a minimum loan amount of $30,000. Aggregate unsecured indebtedness with EFCU cannot exceed $50,000.
Home Loan Rates
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| Loans | Term |
APR
|
|---|---|---|
| 1st Mortgage (5/1 year ARM) | 30 Years Max |
5.750%* Variable
(5.930%)
|
| 1st Mortgage (5 year ARM) | 30 Years Max |
6.000%* Variable
(6.190%)
|
| 1st Mortgage (7/1 year ARM) | 30 Years Max |
6.125%* Variable
(6.310%) |
| 1st Mortgage | 10 Year Fixed |
5.500%* Fixed
(5.940%)
|
| 1st Mortgage | 15 Year Fixed |
5.750%* Fixed
(6.060%)
|
| 1st Mortgage | 20 Year Fixed |
6.000%* Fixed
(6.250%)
|
| 1st Mortgage | 30 Year Fixed |
6.250%* Fixed
(6.440%)
|
| 2nd Mortgage | 10 Year Fixed |
6.750%*Fixed
(7.200%)
|
| Home Equity Line of Credit | 6.750% Variable | |
| Home Construction to Permanent | 30 Year Fixed |
6.250%* Fixed
(6.440%)
|
| Rental Property | 15 year balloon/20 year amortization |
8.000%* Variable
(8.270%)
|
| Mobile Home with Real Estate | 20 year maximum |
10.375%* Variable
(10.670%)
|
| Unimproved Property | 15 year maximum |
7.625%* Variable
(7.950%)
|
*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.
Credit Card Rates
Savings Rates
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**APY means Annual Percentage Yield. See full disclosures
Checking Account Rates
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1eSpend Rewards Checking is a tiered-rate account. Annual Percentage Yield (APY) is accurate as of 10/1/2026. No minimum balance is required to open the account, and no minimum or maximum balance is required to earn the disclosed APY. There are no monthly service fees. The APY for the tier your balance meets applies to the entire account balance. Members earn 0.25% cash back on all posted debit card purchases. Cash back rewards are deposited into a linked savings account. Members cannot deposit directly into this savings account; it accepts only cash back reward deposits and permits withdrawals. The savings account earns 5.12% APY, accurate as of 10/1/2026. Rates may change after the account is opened.
2High Yield Checking Annual Percentage Yield (APY) is accurate as of 10/1/2026. To earn dividends, the following must be met during each qualification cycle: at least 15 debit card purchases post and settle to the account; total direct deposits of $750.00 or more post to the account; and enrollment in eStatements. This is a tiered account. Balances up to and including $15,000 earn 3.50% APY, and 0.10% APY on the portion of the balance over $15,000, resulting in a range of 0.61%*-3.50% APY. If qualifications are not met during a qualification cycle, no dividends are earned. Rates may change after the account is opened. Fees could reduce earnings on the account. *Assumes a balance of $100,000.00.
Federally insured by NCUA
**APY means Annual Percentage Yield. See full disclosures.
Share/IRA Certificate Rates
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| Account | Minimum to Open | Dividend Rate | APY** |
|---|---|---|---|
| 3 Month* | $500 | 0.500% | 0.500% |
| 6 Month* | $500 | 3.928% | 4.000% |
| 12 Month | $500 | 3.928% |
4.000%
|
| 24 Month | $500 | 2.960% | 3.000% |
| 36 Month | $500 | 2.960% | 3.000% |
| 48 Month | $500 | 2.716% | 2.750% |
| 60 Month | $500 | 2.716% |
2.750%
|
*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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| Account | Minimum to Open | Dividend Rate | APY** |
|---|---|---|---|
| 3 Month* | $100,000 | 0.500% | 0.500% |
| 6 Month* | $100,000 | 3.928% | 4.000% |
| 12 Month | $100,000 | 3.928% | 4.000% |
| 24 Month | $100,000 | 2.960% | 3.000% |
| 36 Month | $100,000 | 2.960% | 3.000% |
| 48 Month | $100,000 | 2.716% | 2.750% |
| 60 Month | $100,000 | 2.716% | 2.750% |
*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
Safe Deposit Box Rates
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Available at select branch locations. All rentals renew annually on August 1st. Rental rates opened mid-year are pro-rated for the year from the month of open date.
| 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
|
