EMCU'S VIRTUAL ANNUAL MEETING

The annual meeting is scheduled for Tuesday, October 27, 2020 at 5pm. Please use the Contact Us form to register.



Rates


Loan Rates Savings Rates EMCU Fees

Effective as of: 10/14/2020
Maximum Loan Amounts
Loan TypeLoan Maximum
Auto, Truck, Boats and Motorcycles$100,000.00
Recreational Vehicles and Large Boats$100,000.00
Home Equity$100,000.00
Unsecured (Signature Loan) $6,000.00
Visa Credit Card$5,000.00
 
Loan Rates
Effective Date: 10/14/2020
Loan TypesAPR*Down RequiredTerms:
New auto, truck, and motorcycle, as low as2.70%*ZERO DOWN*up to 48 months
New auto, truck, and motorcycle, as low as3.20%*ZERO DOWN*up to 60 months
New auto, truck, and motorcycle, as low as4.00%*ZERO DOWN*up to 84 months
Used auto, truck, and motorcycle, as low as3.49%*ZERO DOWN*up to 48 months
Used auto, truck, and motorcycle, as low as4.75%*ZERO DOWN*up to 60 months
Used auto, truck, and motorcycle, as low as4.95%*ZERO DOWN*up to 84 months
New snowmobile, ATVs, as low as5.75%*10% DOWN*up to 72 months
Used snowmobile, ATVs, as low as7.25%*10% DOWN*up to 60 months
New boats, as low as3.75%*ZERO DOWN*up to 84 months
Used boats, as low as4.25%*ZERO DOWN*up to 84 months
New Recreational Vehicles, as low as4.00%*5% DOWN* up to 14 years.
Used Recreational Vehicles, as low as5.00%*5% DOWN* up to 14 years.
Unsecured (signature),as low as10.95%*N/Aup to 36 months
VISA Credit Card12.75%N/AN/A
* Interest rates and down payment are subject to borrower's credit history.
 
Home Equity Loans
MAXIMUM AMOUNT: $100,000.00
Loan To ValueUp to 5 YearsUp to 10 Years**Up to 15 Years**
UP to 80%3.99% 4.49%4.99%
Up to 85%4.49%5.49%5.99%
** Balloon payment due at the middle of the term for loans longer than 7 years. Balloon payments are typically refinanced at our current rate.
Borrower pays the cost of the appraisal if required.
NO CLOSING COSTS OR POINTS
 
Payment Example of $10,000.00 borrowed
LOAN TERMAPRPAYMENTBALLOON
5 YEARS3.99%$184.14N/A
10 YEARS4.49%$103.61$5,661.60 DUE AFTER 5 YEARS
 
NMLS EMCU 806317EMCU Staff 806820