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

Rates as of , subject to change without notice.

Business Savings Account

Minimum DepositMinimum to earn dividendsDividend RateAPY*
$100.00$250.000.12%0.12%

Small Business Checking

Minimum DepositMinimum to earn dividendsDividend RateAPY*
$250.00$500.000.08%0.08%

Business Analysis Checking

AmountMinimum depositMinimum to earn dividendsDividend RateAPY*
$2,500 - $4,999$500.00$2,500.000.08%0.08%
$5,000 & up$500.00$5,000.000.08%0.08%
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

AmountDividend RateAPY
$7,500 - $9,9990.20%0.20%
$10,000 - $24,9990.25%0.25%
$25,000 - $99,9990.35%0.35%
$100,000 & up0.35%0.35%
*APY - Annual Percentage Yield

Rates as of , subject to change without notice.

 
TermMinimum depositDividend RateAPY*
3 month$1,000.000.75%0.753%
6 month$1,000.001.00%1.005%
1 year$1,000.001.50%1.510%
18 month$1,000.002.10%2.120%
2 year$1,000.002.00%2.018%
3 year$1,000.002.20%2.222%
4 year$1,000.002.50%2.018%
5 year$1,000.002.40%2.427%
30 month$1,000.002.30%2.324%
IRA Savings Account$250.000.17%0.17%
IRA Certificate Truth-In-Savings Disclosure
*APY - Annual Percentage Yield

Rates as of , subject to change without notice.

Savings Rates

TypeMinimum DepositMinimum to earn dividendsDividend RateAPY*
Share Account$5.00$250.000.12%0.12%

Choice Checking™ Rates

TypeMinimum DepositMinimum to earn dividendsDividend RateAPY*
Share Draft$0.00$500.000.08%0.08%

Money Market Rates

AmountMinimum depositDividend RateAPY*
$2,500 - $9,999$2,500.000.20%0.20%
$10,000 - $24,999$10,000.000.25%0.25%
$25,000 - $49,999$25,000.000.35%0.35%
$50,000 and UP$50,000.000.50%0.50%
Share, Share Draft & Money Market Truth-In-Savings Disclosure 
*APY - Annual Percentage Yield

Rates as of , subject to change without notice.

TermMinimum depositDividend RateAPY*
3 month$1,000.000.75%0.753%
6 month$1,000.001.00%1.005%
1 year$1,000.001.50%1.510%
18 month$1,000.002.10%2.120%
1 Year Save to Win**$25.001.50%1.510%
2 year$1,000.002.00%2.018%
3 year$1,000.002.20%2.222%
4 year$1,000.002.50%2.529%
30 month$1,000.002.30%2.324%
5 year$1,000.002.40%2.427%
Certificate Truth-In-Savings Disclosure
*APY - Annual Percentage Yield
** Save to Win - click here for more info

Loan Rates

Rates as of , 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 YearAmountTermAPRPayment Example per $1,000 Borrowed
2018-201660 months3.75%$18.31
2018-201666 months3.75%$16.80
2018-2016Over $20,00072 months4.25%$15.76
2018-2016Over $25,00084 months5.50%$14.37
2015-201460 months4.15%$18.49
2015-201466 months4.35%$17.07
2015-2014Over $20,00072 months4.65%$15.95
2013-201260 months4.65%$18.71
2011 and older60 months5.75%$19.22

Rates as of , subject to change without notice.

Fixed Rate 2nd Mortgage 

UP TO 90% LOAN-TO-APPRAISED VALUE
TermRateAPR
UP TO 60 MOS4.25%4.31%
61 - 120 MOS4.50%4.56%
121 - 180 MOS5.75%5.78%
 
91% TO 100% LOAN-TO-APPRAISED VALUE
TermRateAPR
UP TO 60 MOS5.25%5.31%
61 - 120 MOS5.50%5.56%
121 - 180 MOS6.75%6.78%
APR based on $10,000 loan amount. 

Home Equity Line of Credit

Variable Rate
Visa Credit Card Access
No Annual Fee

TermAPR
90% LTV4.75%
100% LTV6.0%
Effective October  1, 2018 current Prime Rate is 5.25%. 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.

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

  • ext. 223 - Melissa Westenbarger, North Branch 
  • ext. 423 - Jim Phelps, Vogel Branch
TermRatePointsAPR*Payment Example per $1,000 Borrowed
30 Year4.875%0.0005.000%$5.29
30 Year4.625%1.0004.836%$5.14
20 Year4.625%0.0004.794%$6.39
15 Year4.500%0.0004.715%$7.65
15 Year4.250%1.0004.614%$7.52
VA (30 Year)5.000%0.0005.120%$5.37
 
*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.

Rates as of , 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 TypeTermAPRPayment Example per $1,000 Borrowed
Signature/Personal
Signature Loan12 months7.75%$86.88
Signature Loan13 to 24 months7.25%$45.12
Signature Loan25 to 36 months8.00%$31.35
Signature Loan37 to 48 months8.75%$24.78
Signature Loan49 to 60 months8.75%$20.65
Signature Line of Creditn/a12.00%$33.22
Share Secured60 months3.50%$18.20
Share Certificate SecuredDue at certificate maturity plus 3%Due at certificate maturity plus 3%N/A

Rates as of , 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 YearAmountTermAPRPayment Example per $1,000 Borrowed
2018-201660 months4.00%$18.42
2018-2016Over $10,00072 months5.00%$16.11
2018-2016Over $20,00084 months6.50%$14.86
2018-2016Over $30,000120 months7.00%$11.62
2015 and olderup to 72 months5.25%$16.23

Motorcycle & ATV Loans

 
Model YearAmountTermAPRPayment Example per $1,000 Borrowed
May 1, 2018
2018-201660 months3.75%$18.31
2018-2016Over $500066 months4.00%$16.91
2018-2016Over $10,00072 months4.25%$15.77
2015-201460 months4.00%$18.42
2015-2014Over $5,00066 months4.25%$17.02
2015-2014Over $10,00072 months4.75%$16.00
2013-201260 months5.00%$18.88
2011 & Older60 Months5.25%$18.99

Rates as of , subject to change without notice.

VISA® Credit Card disclosures 

 
 APR
Platinum9.9%
Classic15%