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ROUTING NUMBER: 324274033
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Rates

Effective as of 07/01/2024

Vehicle Loan Rates

New Auto – 2021 or Newer

Score 24 Mon. 36 Mon. 48 Mon. 60 Mon. 72 Mon. 84 Mon.
720+ 6.00% 6.25% 6.25% 6.25% 6.49% 7.24%
680-719 6.25% 6.50% 6.75% 7.00% 7.24% 8.24%
640-679 7.75% 8.00% 8.25% 8.50% 8.99% N/A
600-639 12.00% 12.25% 12.50% 12.75% 13.00% N/A
580-599 14.00% 14.25% 14.50% 14.75% N/A N/A
Under 579 16.25% 16.75% 17.00% 17.25% N/A N/A

Used Auto – 2017 to 2020

Score 24 Mon. 36 Mon. 48 Mon. 60 Mon. 72 Mon.
720+ 6.50% 6.75% 6.75% 6.75% 6.99%
680-719 6.75% 7.00% 7.25% 7.50% 7.74%
640-679 8.25% 8.50% 8.75% 9.00% 9.49%
600-639 12.50% 12.75% 13.00% 13.25% N/A
580-599 14.50% 15.00% 17.00% 18.00% N/A
Under 579 17.00% 17.75% 18.00% N/A N/A

New Recreational Vehicles - 2020 or Newer

Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer –  2020 or Newer
Score 24 Mon. 36 Mon. 48 Mon. 60 Mon. 72 Mon. 84 Mon.
720+ 8.00% 8.00% 8.00% 8.25% 9.00% 9.00%
680-719 8.50% 8.50% 8.50% 8.75% 9.50% 9.50%
640-679 9.75% 9.75% 9.75% 10.00% 10.75% 10.00%
600-639 13.00% 13.00% 13.00% 13.50% 14.25% 14.50%
580-599 17.25% 17.25% 17.25% 17.25% N/A N/A
Under 579 18.00% 18.00% 18.00% N/A N/A N/A

Used Recreational Vehicles - 10 years or Older

Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer
Score 24 Mon. 36 Mon. 48 Mon. 60 Mon. 72 Mon. 84 Mon.
720+ 9.00% 9.50% 10.00% 11.00% 11.25% 11.50%
680-719 9.50% 10.00% 10.50% 11.50% 11.75% 12.00%
640-679 10.75% 11.25% 11.75% 12.25% 13.25% 14.00%
600-639 14.00% 14.00% 14.00% 14.50% 15.25% N/A
580-599 16.50% 17.00% 17.50% N/A N/A N/A
Under 579 17.50% 18.00% 18.00% N/A N/A N/A

Used Recreational Vehicles - 10 years or Older

Includes RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer
Score 24 Mon. 36 Mon. 48 Mon. 60 Mon. 72 Mon. 84 Mon.
720+ 9.00% 9.50% 10.00% 11.00% 11.25% 11.50%
680-719 9.50% 10.00% 10.50% 11.50% 11.75% 12.00%
640-679 10.75% 11.25% 11.75% 12.25% 13.25% 14.00%
600-639 14.00% 14.00% 14.00% 14.50% 15.25% N/A
580-599 16.50% 17.00% 17.50% N/A N/A N/A
Under 579 17.50% 18.00% 18.00% N/A N/A N/A

Personal Loan Rates

Unsecured Personal Loans Up to $35,000

Score 24 Mon. 36 Mon. 48 Mon. 60 Mon.
720+ 9.75% 10.75% 11.75% 12.75%
680-719 10.75% 11.75% 12.75% 13.75%
640-679 13.75% 14.75% 15.75% 16.75%
600-639 16.00% 17.00% 18.00% N/A
580-599 17.50% 18.00% N/A N/A
Under 579 18.00% N/A N/A N/A

Secured Loan Rates

Other Secured – Tracked (Collateral)

Score 24 Mon. 36 Mon. 48 Mon. 60 Mon.
720+ 7.75% 8.75% 9.75% 10.75%
680-719 8.75% 9.75% 10.75% 11.75%
640-679 10.75% 11.75% 12.75% 13.75%
600-639 11.75% 12.75% 13.75% 14.75%
580-599 14.75% 15.75% 16.75% N/A
Under 579 18.00% N/A N/A N/A

Other Secured – Not Tracked

Score 24 Mon. 36 Mon. 48 Mon. 60 Mon.
720+ 9.75% 10.75% 11.75% 12.75%
680-719 10.75% 11.75% 12.75% 13.75%
640-679 12.75% 13.75% 14.75% 15.75%
600-639 15.75% 16.75% 17.75% N/A
580-599 17.75% N/A N/A N/A
Under 579 N/A N/A N/A N/A

Deposit Rates

Savings Account Rates

Account Type Dividend Rate* APY**
Share Savings Account 0.35% 0.35%
Student Share Savings Account 0.35% 0.35%
Moola Moola Kids Club Account 0.35% 0.35%
Vacation Club Account 0.35% 0.35%
Christmas Club Account 0.35% 0.35%

*Dividend Rate

**APY = Annual Percentage Yield

Fees could reduce earnings on Dividend Bearing accounts.

EFCU rates are determined by the Board of Directors. The dividend period for these types of account’s is monthly.  The dividend rate and annual percentage yield may change every dividend period. Minimum balance of $100.00 is required to earn dividends on Share Savings Accounts, Vacation Club Accounts and Christmas Club Accounts. Minimum balance of $25.00 is required to earn dividends on Student Share Savings and Moola Moola Kids Club Accounts.

Money Market Account Rates

With higher yields, flexible access to funds and no term commitment, our Money Market Account gives you exceptional earning power and convenience, so it’s easy to save more for what matters the most to you.

APY APR $ Range for Tier Tier Type
0.75% 0.75% $0.00 – $2,499.99 Tier One
1.00% 1.00% $2,500 – $19,999.99 Tier Two
1.26% 1.25% $20,000 – $49,999.99 Tier Three
1.51% 1.50% $50,000 – $99,999.99 Tier Four
1.76% 1.75% $100,000 – $249,999.99 Tier Five
2.02% 2.00% $250,000 and above Tier Six

 

Share Certificates

EFCU offers several term lengths on our Share Certificates. Call Member Services today for more information.

Information About Our Share Certificates

  • Rate Type: Fixed
  • Dividends are compounded and credited monthly
  • The dividend period is equal to the account’s term
  • Additional deposits are not allowed
  • Withdrawals are allowed – See our rules about transaction limitations
  • Renewable automatically

The rates, fees and terms applicable to your account at Elko Federal Credit Union are provided with this Truth-In-Savings Disclosure. Elko Federal Credit Union may offer other rates for these accounts from time to time.

Term Share Certificates Rates

Term Dividend Rate Annual Percentage Yield (APY) Minimum Opening Deposit
3 Month 3.00% 3.04% $1,000.00
6 Month 5.25% 5.38% $1,000.00
9 Month 5.10% 5.22% $1,000.00
12 Month 5.00% 5.12% $1,000.00
24 Month 4.00% 4.07% $1,000.00
30 Month 3.00% 3.04% $1,000.00
36 Month 3.00% 3.04% $1,000.00

Certificate dividends can be paid back to your certificate or your share savings account monthly and you can request that your dividends be sent to you by check. Term Share rates are determined each Tuesday. The rate you are quoted at the time you receive your certificate is the rate you receive for the duration of the certificate. A penalty will be assessed on all term share certificates withdrawn before the maturity date. The penalty will be in accordance with the Truth-In-Savings Disclosure.

IRA

Building savings for your retirement with an IRA from EFCU is easy – and it gives you special tax advantages that let your savings grow more quickly.

 

Account Type Dividend Rate* APY**
IRA Share Savings Account 3.00% 3.03%

 

*Dividend Rate

**APY = Annual Percentage Yield

Fees could reduce earnings on Dividend Bearing accounts.

EFCU rates are determined by the Board of Directors. The dividend period for these types of accounts is monthly. The dividend rate and annual percentage yield may change every dividend period. Minimum balance of $100.00 is required to earn dividends on Share Savings Accounts, Vacation Club Accounts and Christmas Club Accounts. Minimum balance of $25.00 is required to earn dividends on Student Share Savings and Moola Moola Kids Club Accounts.7$0.00 – $2,499.99