Evansville Federal Credit Union - Lending

At Evansville Federal Credit Union, we offer an assortment of rates on deposit products and a variety of loan rates to fit your needs.

Deposit Products

Business Services Rates

Rates as of , subject to change without notice.

Business Savings Account

Minimum Deposit	Minimum to earn dividends	Dividend Rate	APY*
$100.00	$250.00	0.08%	0.08%

Small Business Checking

Minimum Deposit	Minimum to earn dividends	Dividend Rate	APY*
$250.00	$500.00	0.05%	0.05%

Business Analysis Checking

Amount	Minimum deposit	Minimum to earn dividends	Dividend Rate	APY*
$2,500 - $4,999	$500.00	$2,500.00	0.05%	0.05%
$5,000 & up	$500.00	$5,000.00	0.05%	0.05%

Dividend rate is based on daily balance. If daily balance falls below $5,000 there will be a Monthly Service Charge of $7.50. A per item charge of $0.10 will be assessed on all deposited items and $0.10 on all checks exceeding 40 checks cleared per month.

Money Market - Business Services

Amount	Dividend Rate	APY
$7,500 - $9,999	0.15%	0.15%
$10,000 - $24,999	0.20%	0.20%
$25,000 - $99,999	0.25%	0.25%
$100,000 & up	0.30%	0.30%

*APY - Annual Percentage Yield

IRA Rates

Rates as of , subject to change without notice.

Term	Minimum deposit	Dividend Rate	APY*
3 month	$1,000.00	0.35%	0.351%
6 month	$1,000.00	0.40%	0.401%
1 year	$1,000.00	.55%	.551%
18 month	$1,000.00	.55%	.551%
2 year	$1,000.00	.60%	.602%
30 month	$1,000.00	.70%	.702%
3 year	$1,000.00	.70%	.702%
4 year	$1,000.00	.80%	.803%
5 year	$1,000.00	1.00%	1.005%
IRA Savings Account	$250.00	0.17%	0.17%

IRA Certificate Truth-In-Savings Disclosure

*APY - Annual Percentage Yield

Share Rates

Rates as of , subject to change without notice.

Savings Rates

Type	Minimum Deposit	Minimum to earn dividends	Dividend Rate	APY*
Share Account	$5.00	$250.00	0.08%	0.08%

Choice Checking™ Rates

Type	Minimum Deposit	Minimum to earn dividends	Dividend Rate	APY*
Share Draft	$0.00	$500.00	0.05%	0.05%

Money Market Rates

Amount	Minimum deposit	Dividend Rate	APY*
$2,500 - $9,999	$2,500.00	0.15%	0.15%
$10,000 - $24,999	$10,000.00	0.20%	0.20%
$25,000 - $49,999	$25,000.00	0.25%	0.25%
$50,000 and UP	$50,000.00	0.30%	0.30%

Share, Share Draft & Money Market Truth-In-Savings Disclosure

*APY - Annual Percentage Yield

Certificate Rates

Rates as of , subject to change without notice.

Term	Minimum deposit	Dividend Rate	APY*
3 month	$1,000.00	0.35%	0.351%
6 month	$1,000.00	0.40%	0.401%
1 year	$1,000.00	.55%	.551%
18 month	$1,000.00	.55%	.551%
1 Year Save to Win**	$25.00	.55%	.551%
2 year	$1,000.00	.60%	.602%
30 month	$1,000.00	.70%	.702%
3 year	$1,000.00	.70%	.702%
4 year	$1,000.00	.80%	.803%
5 year	$1,000.00	1.00%	1.005%

Certificate Truth-In-Savings Disclosure

*APY - Annual Percentage Yield

** Save to Win - click here for more info

Loan Rates

Auto Loans

Rates as of January 19, 2021, subject to change without notice.

The annual percentage rates (APR) may be as low as the percentage indicated and includes a .25% discount for automatic withdrawal from an EFCU deposit account, subject to loan approval.

Consult an EFCU Loan Officer for details at 812-424-2621, option 3.

Model Year	Amount	Term	APR	Payment Example per $1,000 Borrowed
2021-2019		60 months	3.30%	$18.11
2021-2019		66 months	3.55%	$16.71
2021-2019	Over $20,000	72 months	3.76%	$15.54
2021-2019	Over $25,000	84 months	4.99%	$14.14
2018-2017		60 months	3.75%	$18.31
2018-2017		66 months	3.95%	$16.89
2018-2017	Over $20,000	72 months	4.35%	$15.81
2016-2015		60 months	4.20%	$18.51
2014 and older		60 months	4.99%	$18.87

Home Equity

Rates as of January 1, 2021, subject to change without notice.

Fixed Rate 2nd Mortgage

UP TO 90% LOAN-TO-APPRAISED VALUE
Term	Rate	APR
UP TO 60 MOS	4.50%	4.56%
61 - 120 MOS	4.75%	4.81%
121 - 180 MOS	5.99%	6.02%

91% TO 100% LOAN-TO-APPRAISED VALUE
Term	Rate	APR
UP TO 60 MOS	5.50%	5.56%
61 - 120 MOS	5.75%	5.76%
121 - 180 MOS	6.99%	6.996%

APR based on $10,000 loan amount.

Home Equity Line of Credit

Variable Rate
Visa Credit Card Access
No Annual Fee

Term	APR
90% LTV	3.00%
100% LTV	4.00%

Effective April 1, 2020 current Prime Rate is 3.25%. The index for the variable rate is the Wall Street Journal Prime Rate. Maximum annual percentage rate is 17%. Closing costs are estimated between $100 to $475.

Mortgage

Rates as of , subject to change without notice.

Our Mortgage Specialists are here for you! Call 812-424-2621

ext. 223 - Melissa Westenbarger, North Branch
ext. 423 - Jim Phelps, Vogel Branch

Term	Rate	Points	APR*	Payment Example per $1,000 Borrowed
30 Year	2.750%	0.000	2.889%	$4.08
30 Year	2.500%	1.000	2.712%	$3.95
20 Year	2.500%	0.000	2.648%	$5.30
15 Year	2.375%	0.000	2.535%	$6.61
15 Year	2.250%	0.250	2.398%	$6.55
VA (30 Year)	4.125%	0.000	4.287%	$4.85

*APR based on $100,000 loan amount with 20% down payment except VA products. Rates subject to change. The interest rate may be as low as the % indicated. A member's rate is determined by an automated underwriting system. Payment Examples do not include amounts for taxes or insurance premiums. Your actual payment information may vary.

Personal/Other Loans

Rates as of January 1, 2021, subject to change without notice.

The annual percentage rates (APR) may be as low as the percentage indicated and includes a `.25% discount` for automatic withdrawal from an EFCU deposit account, subject to loan approval.

Loan Type	Term	APR	Payment Example per $1,000 Borrowed
Signature/Personal
Signature Loan	12 months	7.75%	$86.88
Signature Loan	13 to 24 months	7.75%	$45.10
Signature Loan	25 to 36 months	8.25%	$31.44
Signature Loan	37 to 48 months	8.75%	$24.78
Signature Loan	49 to 60 months	9.00%	$20.75
Signature Line of Credit	n/a	12.00%	0.00
Share Secured	60 months	3.50%	$18.20
Share Certificate Secured	Due at certificate maturity plus 3%	Due at certificate maturity plus 3%	N/A

Recreational Vehicle Loans

Rates as of January 19, 2021, subject to change without notice.

The annual percentage rates (APR) may be as low as the percentage indicated and includes a `.25 % discount` for automatic withdrawal from an EFCU deposit account, subject to loan approval.

Consult an EFCU Loan Officer for details at 812-424-2621 option 3.

Boats and RV Loans

Model Year	Amount	Term	APR	Payment Example per $1,000 Borrowed
2021-2019		60 months	4.75%	$20.16
2021-2019	Over $10,000	72 months	5.40%	$17.51
2021-2019	Over $20,000	84 months	6.70%	$16.06
2021-2019	Over $30,000	120 months	7.50%	$12.76
2018 and older		up to 72 months	5.75%	$17.69

Motorcycle & ATV Loans

Model Year	Amount	Term	APR	Payment Example per $1,000 Borrowed
January 19, 2021
2021-2019		60 months	4.25%	$19.92
2021-2019	Over $5000	66 months	4.50%	$18.42
2021-2019	Over $10,000	72 months	4.75%	$17.19
2018-2017		60 months	4.50%	$20.40
2018-2017	Over $5,000	66 months	4.75%	$18.54
2018-2017	Over $10,000	72 months	5.50%	$17.56
2016-2015		60 months	5.50%	$20.53
2014 & Older		60 Months	6.00%	$20.78

VISA Credit Cards

Rates as of , subject to change without notice.

VISA® Credit Card disclosures

�	APR
Platinum	9.9%
Classic	15%

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Rates

Rates

Deposit Products

Rates as of , subject to change without notice.

Business Savings Account

Small Business Checking

Business Analysis Checking

Dividend rate is based on daily balance. If daily balance falls below $5,000 there will be a Monthly Service Charge of $7.50. A per item charge of $0.10 will be assessed on all deposited items and $0.10 on all checks exceeding 40 checks cleared per month.

Money Market - Business Services

*APY - Annual Percentage Yield

Rates as of , subject to change without notice.

IRA Certificate Truth-In-Savings Disclosure

*APY - Annual Percentage Yield

Rates as of , subject to change without notice.

Savings Rates

Choice Checking™ Rates

Money Market Rates

Share, Share Draft & Money Market Truth-In-Savings Disclosure

*APY - Annual Percentage Yield

Rates as of , subject to change without notice.

Certificate Truth-In-Savings Disclosure

*APY - Annual Percentage Yield

** Save to Win - click here for more info

Loan Rates

Rates as of January 19, 2021, subject to change without notice.

The annual percentage rates (APR) may be as low as the percentage indicated and includes a .25% discount for automatic withdrawal from an EFCU deposit account, subject to loan approval.

Consult an EFCU Loan Officer for details at 812-424-2621, option 3.

Rates as of January 1, 2021, subject to change without notice.

Fixed Rate 2nd Mortgage

APR based on $10,000 loan amount.

Home Equity Line of Credit

Variable Rate Visa Credit Card Access No Annual Fee

Effective April 1, 2020 current Prime Rate is 3.25%. The index for the variable rate is the Wall Street Journal Prime Rate. Maximum annual percentage rate is 17%. Closing costs are estimated between $100 to $475.

Rates as of , subject to change without notice.

Rates as of January 1, 2021, subject to change without notice.

The annual percentage rates (APR) may be as low as the percentage indicated and includes a .25% discount for automatic withdrawal from an EFCU deposit account, subject to loan approval.

Rates as of January 19, 2021, subject to change without notice.

The annual percentage rates (APR) may be as low as the percentage indicated and includes a .25 % discount for automatic withdrawal from an EFCU deposit account, subject to loan approval.

Boats and RV Loans

Motorcycle & ATV Loans

Rates as of , subject to change without notice.

Join EFCU

Enjoy the Benefits (BR) of Membership

IRA Options

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Evansville Federal Credit Union - Lending - Rates

Global Available Macros

Context Variables

Nav Item Available Methods

Available Tools

Variable Rate
Visa Credit Card Access
No Annual Fee

The annual percentage rates (APR) may be as low as the percentage indicated and includes a `.25% discount` for automatic withdrawal from an EFCU deposit account, subject to loan approval.

The annual percentage rates (APR) may be as low as the percentage indicated and includes a `.25 % discount` for automatic withdrawal from an EFCU deposit account, subject to loan approval.