Working in your best interest.

 Earn more for what you save, and pay less for what you need.

Loans

Consumer Loans
Home Loans
Credit Cards
Please contact us for rates on business loans. 
All rates effective: December 1, 2024

Savings

Savings Accounts
Checking Accounts
Certificate Accounts
Safe Deposit Box Rates
All rates effective: December 1, 2024

Consumer Loan Rates  back to top

Loans Term APR*

Autos 2024 & older

Up to 36 months

6.13% Fixed

Autos 2024 & older

Up to 84 months

6.49% Fixed

Autos Less than 100,000 miles

Up to 96 months

6.99% Fixed

Recreational Vehicles

2024 & older

Up to 36 months

6.13% Fixed

Recreational Vehicles

2024 & older

Up to 84 months

6.49% Fixed

Recreational Vehicles

2024 & older

 Up to 180 months Call Enrichment Office for Quote

Non-Traditional Collateral

(farm tractors, horse trailers, etc.)

Call for more information

Call Enrichment Office for Quote

Lines of Credit & Signature Loans

Up to 60 months

12.50% Variable

Share Secured Loans

Up to 120 months

2.10% Variable

Heating, Ventilation, & Air Conditioning

(HVAC) Loans

Up to 84 months

starting at 7.50% Fixed

*Rates are expressed as an annual percentage rate (APR) and are subject to change. Consumer rates and terms are based on Enrichment Federal Credit Union's Performance Based Pricing program's best rate. All rates are based on credit score and represent highest tiers. Some restrictions and other criteria may apply. An additional 1% will be added to the rate for vehicles with over 100,000 miles. Variable rates may increase after consummation.

Recreational vehicle loans include boats, campers, motorhomes, and motorcycles. Loan terms for new/used RVs up to 84 months. Terms exceeding 84 months require a minimum loan amount of $30,000. Aggregate unsecured indebtedness with EFCU cannot exceed $50,000.

Home Loan Rates

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Loans Term
APR
1st Mortgage (5/1 year ARM) 30 Years Max
6.375%* Variable
(6.560%)
1st Mortgage (5 year ARM) 30 Years Max
6.625%* Variable
(6.820%)
1st Mortgage 10 Year Fixed
5.500%* Fixed
(5.810%)
1st Mortgage 15 Year Fixed
5.625%* Fixed
(5.930%)
1st Mortgage 20 Year Fixed
6.125%* Fixed
(6.370%)
1st Mortgage 30 Year Fixed
6.625%* Fixed
(6.820%)
2nd Mortgage 10 Year Fixed 
6.500%*Fixed 
(6.940%)
Home Equity Line of Credit
7.750% Variable
Home Construction to Permanent 30 Year Fixed
6.625%* Fixed
(6.820%)
Rental Property 15 year balloon/20 year amortization
8.000%* Variable
(8.270%)
Mobile Home with Real Estate 20 year maximum
10.375%* Variable
(10.670%)
Unimproved Property 15 year maximum
7.625%* Variable
(7.950%)

*Mortgage rates are based on a 80% loan-to-value; 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. Annual Percentage Rate (APR) based on $100,000 loan calculations. Rate for Home Equity line-of-credit will be the Wall Street Journal Prime Rate. Variable rates may increase after consummation.

Credit Card Rates 

View Rates, Terms, and Conditions.


Savings Rates   

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Account Minimum to Open Balance Required to Earn Dividends Dividend Rate APY**
Regular Savings $5 ---- 0.100% 0.100%
Ownership Rewards --- ---- 5.000% 5.120%
U Name It Savings --- ---- 0.100% 0.100%
Health Savings Account (HSA) --- ---- 0.300% 0.300%
Auto Escrow --- ---- 0.050% 0.050%
Mortgage Escrow --- ---- 0.050% 0.050%
Christmas Club --- ---- 0.100% 0.100%
Money Market (tier 1)
 --- $2,500.00 - $24,999.99 0.200% 0.200%
Money Market (tier 2) --- $25,000.00 - $49,999.99 0.250% 0.250%
Money Market (tier 3) --- $50,000.00 or greater 0.300% 0.300%
IRA Variable Savings --- ---- 0.250% 0.250%

**APY means Annual Percentage Yield.  See full disclosures

Checking Account Rates 

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Account Minimum to Open Balance Required to Earn Dividends Dividend Rate APY**
eSpend Checking (tier 1) --- $0 - $4,999.99 0.050% 0.050%
eSpend Checking (tier 2)
 --- $5,000 - $9,999.99 0.100% 0.100%
eSpend Checking (tier 3) --- $10,000 or greater 0.150% 0.150%
eSpend Lite Checking --- ---- ---- ----
Business Checking --- $300 0.050% 0.050%


**APY means Annual Percentage Yield. See full disclosures.

Share/IRA Certificate Rates

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Account Minimum to Open Dividend Rate APY**
3 Month* $500 0.500% 0.500%
6 Month* $500 4.410% 4.500%
12 Month $500 3.687%
3.750%
24 Month $500 2.716% 2.750%
36 Month $500 2.716% 2.750%
48 Month $500 2.716% 2.750%
60 Month $500 2.716%
2.750%

*3 Month & 6 Month Terms do not apply to IRA Certificates. 

**APY means Annual Percentage Yield.

For all certificates, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of less than 1 year are 30 days dividends (or total dividends earned if open < 30 days); Terms greater than 1 year are 90 days dividends (or total dividends earned if open < 90 days). See full disclosures



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Jumbo Share/IRA Certificate Rates

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Account Minimum to Open Dividend Rate APY**
3 Month* $100,000 0.500% 0.500%
6 Month* $100,000 4.410% 4.500%
12 Month $100,000 3.687% 3.750%
24 Month $100,000 2.716% 2.750%
36 Month $100,000 2.716% 2.750%
48 Month $100,000 2.716% 2.750%
60 Month $100,000 2.716% 2.750%
*3 Month and 6 Month Terms do not apply to IRA Certificates.
**APY means Annual Percentage Yield.

For all certificates, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of less than 1 year are 30 days dividends (or total dividends earned if open < 30 days); Terms greater than 1 year are 90 days dividends (or total dividends earned if open < 90 days). See full disclosures

Safe Deposit Box Rates 

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Available at select branch locations. All rentals renew annually on August 1st. Rental rates opened mid-year are pro-rated for the year from the month of open date. 
Box Size Lease Term Rental Amount
3 x 5 1 Year
$17
3 x 10 1 Year $30
5 x 10 1 Year
$45
7 x 10 1 Year
$50
10 x 10 1 Year
$65