Enrichment Federal Credit Union
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EFCU Routing Number: 264281364

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Loan Rates | Savings Rates | Certificate Rates

 

Loan Rates

Current Rates as of 9/1/18

Auto, Recreational Vehicle & Personal Loans
Fixed APR Variable APR
Type of Account
3.33%*

-

Autos-2019 (or newer) to 2013
Up to 36 Months

3.69%*

-

Autos-2019 (or newer) to 2013
Up to 78 Months

4.99%*

-

Autos-2011-2012
Up to 78 Months

4.99%*
 - Autos 2010 & older
Up to 60 months
Call Local Enrichment Office for Quote Extended Term Passenger Vehicle
Up to 84 Months

-

10.00%

Visa Gold (No Annual Fee)

-

11.50%

Visa/MasterCard
(No Annual Fee)

-

9.75%

Line-of-Credit

-

9.75%

Personal (Signature) Loan

-

2.10%

Share Secured Loan/Line of Credit

Call Local EFCU Office for Quote


Non Traditional Collateral

(Garden Tractors, Farm Tractors, Commercial Equip) 

3.33%* -

Boats & RVs
2019 (or newer) to 2013
Up to 36 Months

3.69%*
-

Boats & RVs
2019 (or newer) to 2013
Up to 78 Months

4.99%*

-

Boats & RV's
2011 - 2012
Up to 78 Months
 4.99%*   Boats & RV's
2010 & older
Up to 60 months
Call Local Enrichment Office for Quote -

Non Traditional Collateral (farm tractors,
horse trailers, commercial equipment, etc.)

 5.99% - 8.99%*

Heating, Ventilation & Air Conditioning

12 to 84 mos.

 

Real Estate, Equity & Mortgage Loans

Fixed Rate
(APR)

Variable Rate
(APR)

Type of Account

-

3.150%**
(3.217%)

1st Mortgage
30 years max. (5/1 yr. ARM)

-

3.400%**
(3.468%)

1st Mortgage
30 years max. (5 yr. ARM)

3.400%**
(3.580%)

1st Mortgage
10 years fixed
 

3.650%**
(3.775%)

-

1st Mortgage
15 years fixed

3.900%**
(3.998%)

 -
1st Mortgage
20 year fixed

Call Local Enrichment Office for Quote

1st Mortgage Loans
30 year fixed

5.000%**

-

HomeLine Visa
Line-of-Credit

4.500%**
(6.415%)
-

Home Construction
9 mos. max.

- 5.250%**
(5.426%)

Rental Property
15 year balloon/20 yr. amortization

-

7.375%**
(7.642%)

Mobile Home With Real Estate
15 yr. max.

-

4.875%**
(5.091%)

Unimproved Proprety
15 years max.


Auto Loan Calculator -- Calculate your auto loan online.

  • Preapproved Gold Key loans are used for the purchase of autos and RVs from dealers; may not be used on purchases from individuals.
  • Recreational vehicle loans include boats, motors, trailers, motorcycles & campers.
  • Financing terms for new/used RV's and autos include up to 100% financing; repayment varies depending on the model year to 78 months; Terms exceeding 78 months will be considered if the value is $35,000 or greater.
  • For information and reviews, check out the Auto Buying Resources section
  • An additional 1% will be added to vehicles with over 100,000 miles.
  • Rate for Visa Gold will be set at The Wall Street Journal Prime Rate plus 5% for purchases and prime plus 7% for cash advances.
  • Rate for Visa Gold Homeline equity line-of-credit will be The Wall Street Journal Prime Rate plus 1.25%.
  • Aggregate unsecured indebtedness with Enrichment Credit Union can not exceed $50,000.

*Consumer rates and terms are based on Enrichment Credit Union's Performance Based Pricing program's best rate. Some restrictions and other criteria may apply.

**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.

Note: The rate information contained here is for informational purposes and is not a disclosure. Variable rates quoted here are subject to review and may change monthly.

Enrichment Federal Credit Union is an equal housing lender

.

 

Savings Rates

Current Rates as of 9/1/2018

Account Types Rate APY** Minimum Deposit Rate Through
Savings Account 0.10 0.10 $5 4/30/18

Pet Pals Account

0.10

0.10

$5

4/30/18

Package Club Checking Account 0.05 0.05 $5

4/30/18

Everyday Checking/Business Checking 0.05 0.05 $5

4/30/18

Exceptional Checking  2.00
 2.00
 $5 
4/30/18
Mad Money & Vanity Accounts 0.10 0.10 $5 4/30/18
HSA Savings Accounts
0.30 0.30 - N/A-
 4/30/18
Christmas Club Account 0.10 0.10 $5 4/30/18
Kirby Kangaroo Account 0.10 0.10 $5 4/30/18
Mortgage/Auto Escrow Accounts 0.05 0.05 $5 4/30/18
Platinum Checking Account 0.15 0.15 $10,000

4/30/18

Platinum Checking Account 0.10 0.10 $5,000

4/30/18

Platinum Checking Account 0.05 0.05 $50

4/30/18

IRA Variable Account 0.25 0.25 -N/A-

4/30/18

 

Account Types Balance APY**
Money Market Savings Account
(Tiered based on your average monthly balance)
< $2,499
$2,500 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 >
0.0%
0.20%
0.25%
0.30%
0.30%


** APY means Annual Percentage Yield

 

 

Certificate Rates

                                                                                                                Current Rates as of 9/5/2018

Account Types Rate APY** Minimum Deposit* Rate Through
3 Month .15 .15 $2,500 4/3/2018
6 Month/ .20 .20 $2,500 4/3/2018
1 Year .30 .30 $1,000 4/3/2018
1 Year .30 .30 $10,000 4/3/2018
2 Year .50 .50 $1,000 4/3/2018
3 Year .70 .70 $1,000 4/3/2018
4 Year .90 .90 $1,000 4/3/2018
5 Year 1.00 1.00 $1,000 4/3/2018
* Youth Share Certificates (To Age 19): Annual Percentage Yields are the same as those listed above but the minimum deposit on this special share certificate is only $500





3 Month Jumbo .20 .20 $100,000 4/3/2018
6 Month Jumbo .25 .25 $100,000 4/3/2018
1 Year Jumbo .35 .35 $100,000 4/3/2018
2 Year Jumbo .60 .60 $100,000 4/3/2018
3 Year Jumbo .80 .80 $100,000 4/3/2018
4 Year Jumbo
 .95 .95
$100,000
4/3/2018
5 Year Jumbo
 1.04 1.05
$100,000
4/3/2018



 
IRA Certificate-1 Year .30 .30 $1,000 4/3/2018
IRA Certificate-2 Year .50 .50 $1,000 4/3/2018
IRA Certificate-3 Year .70 .70 $1,000 4/3/2018
IRA Certificate-4 Year .90 .90 $1,000 4/3/2018
IRA Certificate-5 Year 1.00 1.00 $1,000 4/3/2018



 
IRA Jumbo Cert.-1 Year .35 .35 $100,000

4/3/2018

IRA Jumbo Cert.-2 Year .60 .60 $100,000 4/3/2018
IRA Jumbo Cert.-3 Year .80 .80 $100,000 4/3/2018
 IRA Jumbo Cert. - 4 Year
.95
 .95 $100,000
 4/3/2018 
IRA Jumbo Cert. - 5 Year
1.04
 1.05 $100,000
4/3/2018

**APY means Annual Percentage Yield
Substantial penalty for early withdrawal may apply on share certificate products.

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Enrichment Federal Credit Union
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Loan Rates | Savings Rates | Certificate Rates

 

Loan Rates

Current Rates as of 9/1/18

Auto, Recreational Vehicle & Personal Loans
Fixed APR Variable APR
Type of Account
3.33%*

-

Autos-2019 (or newer) to 2013
Up to 36 Months

3.69%*

-

Autos-2019 (or newer) to 2013
Up to 78 Months

4.99%*

-

Autos-2011-2012
Up to 78 Months

4.99%*
 - Autos 2010 & older
Up to 60 months
Call Local Enrichment Office for Quote Extended Term Passenger Vehicle
Up to 84 Months

-

10.00%

Visa Gold (No Annual Fee)

-

11.50%

Visa/MasterCard
(No Annual Fee)

-

9.75%

Line-of-Credit

-

9.75%

Personal (Signature) Loan

-

2.10%

Share Secured Loan/Line of Credit

Call Local EFCU Office for Quote


Non Traditional Collateral

(Garden Tractors, Farm Tractors, Commercial Equip) 

3.33%* -

Boats & RVs
2019 (or newer) to 2013
Up to 36 Months

3.69%*
-

Boats & RVs
2019 (or newer) to 2013
Up to 78 Months

4.99%*

-

Boats & RV's
2011 - 2012
Up to 78 Months
 4.99%*   Boats & RV's
2010 & older
Up to 60 months
Call Local Enrichment Office for Quote -

Non Traditional Collateral (farm tractors,
horse trailers, commercial equipment, etc.)

 5.99% - 8.99%*

Heating, Ventilation & Air Conditioning

12 to 84 mos.

 

Real Estate, Equity & Mortgage Loans

Fixed Rate
(APR)

Variable Rate
(APR)

Type of Account

-

3.150%**
(3.217%)

1st Mortgage
30 years max. (5/1 yr. ARM)

-

3.400%**
(3.468%)

1st Mortgage
30 years max. (5 yr. ARM)

3.400%**
(3.580%)

1st Mortgage
10 years fixed
 

3.650%**
(3.775%)

-

1st Mortgage
15 years fixed

3.900%**
(3.998%)

 -
1st Mortgage
20 year fixed

Call Local Enrichment Office for Quote

1st Mortgage Loans
30 year fixed

5.000%**

-

HomeLine Visa
Line-of-Credit

4.500%**
(6.415%)
-

Home Construction
9 mos. max.

- 5.250%**
(5.426%)

Rental Property
15 year balloon/20 yr. amortization

-

7.375%**
(7.642%)

Mobile Home With Real Estate
15 yr. max.

-

4.875%**
(5.091%)

Unimproved Proprety
15 years max.


Auto Loan Calculator -- Calculate your auto loan online.

  • Preapproved Gold Key loans are used for the purchase of autos and RVs from dealers; may not be used on purchases from individuals.
  • Recreational vehicle loans include boats, motors, trailers, motorcycles & campers.
  • Financing terms for new/used RV's and autos include up to 100% financing; repayment varies depending on the model year to 78 months; Terms exceeding 78 months will be considered if the value is $35,000 or greater.
  • For information and reviews, check out the Auto Buying Resources section
  • An additional 1% will be added to vehicles with over 100,000 miles.
  • Rate for Visa Gold will be set at The Wall Street Journal Prime Rate plus 5% for purchases and prime plus 7% for cash advances.
  • Rate for Visa Gold Homeline equity line-of-credit will be The Wall Street Journal Prime Rate plus 1.25%.
  • Aggregate unsecured indebtedness with Enrichment Credit Union can not exceed $50,000.

*Consumer rates and terms are based on Enrichment Credit Union's Performance Based Pricing program's best rate. Some restrictions and other criteria may apply.

**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.

Note: The rate information contained here is for informational purposes and is not a disclosure. Variable rates quoted here are subject to review and may change monthly.

Enrichment Federal Credit Union is an equal housing lender

.

 

Savings Rates

Current Rates as of 9/1/2018

Account Types Rate APY** Minimum Deposit Rate Through
Savings Account 0.10 0.10 $5 4/30/18

Pet Pals Account

0.10

0.10

$5

4/30/18

Package Club Checking Account 0.05 0.05 $5

4/30/18

Everyday Checking/Business Checking 0.05 0.05 $5

4/30/18

Exceptional Checking  2.00
 2.00
 $5 
4/30/18
Mad Money & Vanity Accounts 0.10 0.10 $5 4/30/18
HSA Savings Accounts
0.30 0.30 - N/A-
 4/30/18
Christmas Club Account 0.10 0.10 $5 4/30/18
Kirby Kangaroo Account 0.10 0.10 $5 4/30/18
Mortgage/Auto Escrow Accounts 0.05 0.05 $5 4/30/18
Platinum Checking Account 0.15 0.15 $10,000

4/30/18

Platinum Checking Account 0.10 0.10 $5,000

4/30/18

Platinum Checking Account 0.05 0.05 $50

4/30/18

IRA Variable Account 0.25 0.25 -N/A-

4/30/18

 

Account Types Balance APY**
Money Market Savings Account
(Tiered based on your average monthly balance)
< $2,499
$2,500 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 >
0.0%
0.20%
0.25%
0.30%
0.30%


** APY means Annual Percentage Yield

 

 

Certificate Rates

                                                                                                                Current Rates as of 9/5/2018

Account Types Rate APY** Minimum Deposit* Rate Through
3 Month .15 .15 $2,500 4/3/2018
6 Month/ .20 .20 $2,500 4/3/2018
1 Year .30 .30 $1,000 4/3/2018
1 Year .30 .30 $10,000 4/3/2018
2 Year .50 .50 $1,000 4/3/2018
3 Year .70 .70 $1,000 4/3/2018
4 Year .90 .90 $1,000 4/3/2018
5 Year 1.00 1.00 $1,000 4/3/2018
* Youth Share Certificates (To Age 19): Annual Percentage Yields are the same as those listed above but the minimum deposit on this special share certificate is only $500





3 Month Jumbo .20 .20 $100,000 4/3/2018
6 Month Jumbo .25 .25 $100,000 4/3/2018
1 Year Jumbo .35 .35 $100,000 4/3/2018
2 Year Jumbo .60 .60 $100,000 4/3/2018
3 Year Jumbo .80 .80 $100,000 4/3/2018
4 Year Jumbo
 .95 .95
$100,000
4/3/2018
5 Year Jumbo
 1.04 1.05
$100,000
4/3/2018



 
IRA Certificate-1 Year .30 .30 $1,000 4/3/2018
IRA Certificate-2 Year .50 .50 $1,000 4/3/2018
IRA Certificate-3 Year .70 .70 $1,000 4/3/2018
IRA Certificate-4 Year .90 .90 $1,000 4/3/2018
IRA Certificate-5 Year 1.00 1.00 $1,000 4/3/2018



 
IRA Jumbo Cert.-1 Year .35 .35 $100,000

4/3/2018

IRA Jumbo Cert.-2 Year .60 .60 $100,000 4/3/2018
IRA Jumbo Cert.-3 Year .80 .80 $100,000 4/3/2018
 IRA Jumbo Cert. - 4 Year
.95
 .95 $100,000
 4/3/2018 
IRA Jumbo Cert. - 5 Year
1.04
 1.05 $100,000
4/3/2018

**APY means Annual Percentage Yield
Substantial penalty for early withdrawal may apply on share certificate products.