Rates at EW#22 FCU

Current Rates

Electrical Workers #22 Federal Credit Union
Dividend Rates – EFFECTIVE Oct. 1, 2016
[Rates Subject To Change Without Notice]

  RATE APY* Minimum
Balance
Compound
Frequency
  Share Account
  0.10% 0.10% APY $300.00 – 10,000.00  
  0.15% 0.15% APY
$10,000.01 – 49,999.99  
  0.20% 0.20% APY $50,000.00 – & ABOVE  
 
  Elite Draft
  0.00% 0.00% APY $300.00 – 1,000.00  
  0.00% 0.00% APY
$1,000.01 – 5,000.00  
  0.00% 0.00% APY $5,000.01 – & ABOVE  
    ($5.00 Monthly Service Charge For Balance Below $150.00)
 
  Value Draft
  College Fund “U”-U
0.10% 0.10% APY
(21 and under)  
  Youth Account “C”-C
0.05% 0.05% APY (17 and under)  
  Kids Account “K” -K
0.05% 0.05% APY (12 and under)  
  Christmas Club “D”-H 0.15% 0.15% APY    
     

Term Share Accounts
EFFECTIVE July 22, 2016
[Rates Subject To Change Without Notice]
  Share Certificate – CD
  6 Months Term “O”
0.30% 0.25% APY Minimum $500.00  
  12 Months Term “N”
0.40% 0.35% APY
Minimum $500.00  
  24 Months Term “Q”
0.65% 0.40% APY Minimum $1.000.00  
 
  IRA’s
  0.35% 0.35% APY $500.00 – & ABOVE  

Auto Loans EFFECTIVE July 22, 2016
[Rates Subject To Change Without Notice]

SALVAGE TITLES-INTEREST RATE 1% HIGHER THAN RATE LISTED BELOW
NEW VEHICLES MUST HAVE MSO TITLE LOAN AMT BASED ON PURCHASE PRICE

Loan Rates for New & Used Vehicles  (download loan fee schedule)

Year APR Maximum Amount Term Security
New (2017-2016) 1.99% 100% of Purchase Price 12-36 Months Title/Ins
New (2017-2016) 2.50% 100% of Purchase Price 37-48 Months Title/Ins
New (2017-2016) 2.99% 100% of Purchase Price 49-60 Months Title/Ins
New (2017-2016) ($18K+) 3.99% 100% of Purchase Price 61-72 Months Title/Ins
New (2017-2016) ($18K+) 4.99% 100% of Purchase Price 73-84 Months Title/Ins

New (2017-2016) 2.99% 110% of Purchase Price 12-36 Months Title/Ins
New (2017-2016) 3.50% 110% of Purchase Price 37-48 Months Title/Ins
New (2017-2016) 3.99% 110% of Purchase Price 49-60 Months Title/Ins
New (2017-2016) 4.99% 110% of Purchase Price 61-72 Months Title/Ins
Year APR Maximum Amount Term Security
Used (2015-2013) 3.99% 100% of NADA Avg Retail 12-48 Months Title/Ins
Used (2015-2013) 4.99% 100% of NADA Avg Retail 49-60 Months Title/Ins
Used (2015-2013) 5.25%
100% of NADA Avg Retail 61-72 Months Title/Ins

Used (2015-2013) 4.99% 110% of NADA Avg Retail 12-48 Months Title/Ins
Used (2015-2013) 5.99% 110% of NADA Avg Retail 49-60 Months Title/Ins

Used (2012-2010) 6.25% 110% of NADA Avg Trade In 12-36 Months Title/Ins
Used (2012-2010) 6.40% 110% of NADA Avg Trade In 37-48 Months Title/Ins
Used (2012-2010) 5.25% 100% of NADA Avg Retail 12-36 Months Title/Ins
Used (2012-2010) 5.40% 100% of NADA Avg Retail 37-48 Months Title/Ins

Used (2009-1998) 6.50% 100% of NADA Trade In 12-48 Months Title/Ins

Motorcycle Side car & Trailer  (download fee schedule)
EFFECTIVE May 25, 2016
[Rates Subject To Change Without Notice]

NEW MOTORCYCLE-MUST HAVE MSO
WE WILL LOAN A MAXIMUM OF 100% OF THE PURCHASE PRICE

  APR Maximum Amount Term Security
 
New (2016-2015) (Never been Titled) 4.99% 100% of Purchase Price 12-36 Months Title/Ins
  4.99% 100% of Purchase Price 37-72 Months Title/Ins

Used (2014-2013)        
$500.00 – On Up 5.50% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.50% 90% of NADA AVG. Retail 37-48 Months Title/Ins
$15,000.00 – On Up 5.50% 90% of NADA AVG. Retail 48-72 Months Title/Ins

Used (2012-2011)        
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 55-72 Months Title/Ins

Used (2010-2009)        
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 12-36 Months Title/Ins
$500.00 – On Up 5.99% 90% of NADA AVG. Retail 37-48 Months Title/Ins

Used (2009-2004)        
$500.00 – On Up 9.00% NADA AVG. Trade-In 12-24 Months Title/Ins
$500.00 – On Up 9.00% NADA AVG. Trade-In 25-30 Months Title/Ins
$500.00 – On Up 9.00% NADA AVG. Trade-In 31-36 Months Title/Ins

Boat Loans  (download fee schedule)

EFFECTIVE March 5, 2015
[Rates Subject To Change Without Notice]

  APR Maximum Amount Term Security
 
New (2014-2015) (Never been Titled) 7.50% 100% of Purchase Price 60 Months Title/Ins

Used (2010-2014)        
$500.00 – On Up 7.90% 100% of AVG. Retail 48 Months Title/Ins

LOANS  (download description & fee schedule)

Shared Secured – Up to 60 Months –  6.00%
Term Secured – Up to 60 Months – 6.00%
Overdraft Protection – 18.00%

PERSONAL LOANS up to 5K @ 7.50% (new money only)
PAYMENT $123.00/MO! (48 MONTHS) 

NEW FEES:
2nd Mortgage Documentation Fee $150.00
All other Loans Documentation Fee $30.00
We are now using credit scores to determine loan rate

Personal Loans

  APR   Term Security
 
  7.50% Up to $5,000 (New Money)
12-48 Months Unsecured

Second Mortgage Loans (download description & fee schedule)
EFFECTIVE August 20, 2014
[Rates Subject To Change Without Notice]

  APR      
 
Second Mortgage  7.00%  $ 3,000.00 – $70,000.00  12-120 Months  

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