Vehicle Loan Rates
New Auto – 2021 or Newer
| Score | 24 Mon. | 36 Mon. | 48 Mon. | 60 Mon. | 72 Mon. | 84 Mon. |
|---|---|---|---|---|---|---|
| 720+ | 5.70% | 5.99% | 5.99% | 5.99% | 6.15% | 6.99% |
| 680-719 | 5.95% | 6.24% | 6.49% | 6.74% | 6.90% | 7.99% |
| 640-679 | 7.50% | 7.75% | 8.00% | 8.25% | 8.74% | N/A |
| 600-639 | 11.75% | 12.00% | 12.25% | 12.50% | 12.75% | N/A |
| 580-599 | 13.75% | 14.00% | 14.25% | 14.50% | N/A | N/A |
| Under 579 | 16.00% | 16.50% | 16.75% | 17.00% | N/A | N/A |
Used Auto – 2017 to 2020
| Score | 24 Mon. | 36 Mon. | 48 Mon. | 60 Mon. | 72 Mon. |
|---|---|---|---|---|---|
| 720+ | 6.20% | 6.49% | 6.49% | 6.49% | 6.65% |
| 680-719 | 6.45% | 6.74% | 6.99% | 7.24% | 7.40% |
| 640-679 | 8.10% | 8.35% | 8.60% | 8.85% | 9.34% |
| 600-639 | 12.35% | 12.60% | 12.85% | 13.10% | N/A |
| 580-599 | 14.35% | 14.85% | 16.85% | 17.85% | N/A |
| Under 579 | 16.85% | 17.60% | N/A | N/A | N/A |
New Recreational Vehicles - 2021 or Newer
| Score | 24 Mon. | 36 Mon. | 48 Mon. | 60 Mon. | 72 Mon. | 84 Mon. | 120 Mon. | 144 Mon. | 180 Mon. |
|---|---|---|---|---|---|---|---|---|---|
| 720+ | 7.65% | 7.65% | 7.65% | 7.90% | 8.65% | 8.65% | 8.65% | 8.65% | 8.65% |
| 680-719 | 8.15% | 8.15% | 8.15% | 8.40% | 9.15% | 9.15% | 9.15% | 9.15% | 9.15% |
| 640-679 | 9.50% | 9.50% | 9.50% | 9.75% | 9.75% | 9.75% | 9.75% | 9.75% | N/A |
| 600-639 | 12.75% | 12.75% | 12.75% | 13.25% | 14.00% | 14.50% | 15.00% | N/A | N/A |
| 580-599 | 17.00% | 17.00% | 17.00% | 17.50% | N/A | N/A | N/A | N/A | N/A |
| Under 579 | 17.75% | 17.75% | 17.75% | N/A | N/A | N/A | N/A | N/A | N/A |
Used Recreational Vehicles - 10 years or Older
| Score | 24 Mon. | 36 Mon. | 48 Mon. | 60 Mon. | 72 Mon. | 84 Mon. | 120 Mon. |
|---|---|---|---|---|---|---|---|
| 720+ | 8.75% | 9.25% | 9.75% | 10.75% | 11.00% | 11.25% | 11.50% |
| 680-719 | 9.25% | 9.75% | 10.25% | 11.25% | 11.50% | 11.75% | 12.25% |
| 640-679 | 10.50% | 11.00% | 11.50% | 12.00% | 13.00% | 13.75% | N/A |
| 600-639 | 13.75% | 13.75% | 13.75% | 14.25% | 15.00% | N/A | N/A |
| 580-599 | 16.25% | 16.75% | 17.25% | N/A | N/A | N/A | N/A |
| Under 579 | 17.25% | 17.75% | 17.75% | N/A | N/A | N/A | N/A |
Unsecured Personal Loans Up to $35,000
| Score | 24 Mon. | 36 Mon. | 48 Mon. | 60 Mon. |
|---|---|---|---|---|
| 720+ | 9.55% | 10.55% | 11.55% | 12.55% |
| 680-719 | 10.55% | 11.55% | 12.55% | 13.55% |
| 640-679 | 13.55% | 14.55% | 15.55% | 16.55% |
| 600-639 | 15.80% | 16.80% | 17.80% | N/A |
| 580-599 | 17.30% | 17.80% | N/A | N/A |
| Under 579 | 17.80% | N/A | N/A | N/A |
Secured Loan Rates
Other Secured – Tracked (Collateral)
| Score | 24 Mon. | 36 Mon. | 48 Mon. | 60 Mon. |
|---|---|---|---|---|
| 720+ | 7.55% | 8.55% | 9.55% | 10.55% |
| 680-719 | 8.55% | 9.55% | 10.55% | 11.55% |
| 640-679 | 10.55% | 11.55% | 12.55% | 13.55% |
| 600-639 | 11.55% | 12.55% | 13.55% | 14.55% |
| 580-599 | 14.55% | 15.55% | 16.55% | N/A |
| Under 579 | 17.80% | N/A | N/A | N/A |
Other Secured – Not Tracked
| Score | 24 Mon. | 36 Mon. | 48 Mon. | 60 Mon. |
|---|---|---|---|---|
| 720+ | 9.55% | 10.55% | 11.55% | 12.55% |
| 680-719 | 10.55% | 11.55% | 12.55% | 13.55% |
| 640-679 | 12.55% | 13.55% | 14.55% | 15.55% |
| 600-639 | 15.55% | 16.55% | 17.55% | N/A |
| 580-599 | 17.55% | 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 | 4.90% | 5.01% | $1,000.00 |
| 9 Month | 4.75% | 4.85% | $1,000.00 |
| 12 Month | 4.65% | 4.75% | $1,000.00 |
| 24 Month | 3.65% | 3.71% | $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
| 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.