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  February 1, 2019,  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
2019-201760 months3.99%$18.41
2019-201766 months3.99%$16.90
2019-2017Over $20,00072 months4.50%$15.87
2019-2017Over $25,00084 months5.50%$14.37
2016-201560 months4.30%$18.55
2016-201566 months4.55%$17.15
2016-2015Over $20,00072 months4.85%$16.04
2014-201360 months4.85%$18.80
2012 and older60 months5.75%$19.22

Rates as of  February 1, 2019, subject to change without notice.

Fixed Rate 2nd Mortgage 

UP TO 90% LOAN-TO-APPRAISED VALUE
TermRateAPR
UP TO 60 MOS4.50%4.56%
61 - 120 MOS4.75%4.81%
121 - 180 MOS5.99%6.02%
 
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% LTV5.00%
100% LTV6.25%
Effective January 2, 2019 current Prime Rate is 5.50%. 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 Year4.500%0.0004.623%$5.07
30 Year4.125%1.0004.331%$4.85
20 Year4.375%0.0004.544%$6.26
15 Year4.000%0.0004.215%$7.40
15 Year3.750%1.0004.114%$7.27
VA (30 Year)4.875%0.0004.995%$5.29
 
*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  February 1, 2019, 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 months7.75%$45.10
Signature Loan25 to 36 months8.25%$31.44
Signature Loan37 to 48 months8.75%$24.78
Signature Loan49 to 60 months9.00%$20.75
Signature Line of Creditn/a12.00%0.00
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  February 1, 2019, 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
2019-201760 months4.75%$20.16
2019-2017Over $10,00072 months5.40%$17.51
2019-2017Over $20,00084 months6.70%$16.06
2019-2017Over $30,000120 months7.50%$12.76
2016 and olderup to 72 months5.75%$17.69

Motorcycle & ATV Loans

 
Model YearAmountTermAPRPayment Example per $1,000 Borrowed
May 1, 2018
2019-201760 months4.25%$19.92
2019-2017Over $500066 months4.50%$18.42
2019-2017Over $10,00072 months4.75%$17.19
2016-201560 months4.50%$20.40
2016-2015Over $5,00066 months4.75%$18.54
2016-2015Over $10,00072 months5.50%$17.56
2014-201360 months5.50%$20.53
2012 & Older60 Months6.00%$20.78

Rates as of , subject to change without notice.

VISA® Credit Card disclosures 

 
 APR
Platinum9.9%
Classic15%