As a member-owned credit union, we put people over profit, offering fair and competitive rates that help you build a stronger financial future.
| Term | APR* As Low As | Estimated Monthly Payment** |
|---|---|---|
| 36 months | 3.99% | $29.52 per $1,000 |
| 48 months | 3.99% | $22.57 per $1,000 |
| 60 months, $5,000 minimum | 3.99% | $18.41 per $1,000 |
| 72 months, $15,000 minimum | 3.99% | $15.64 per $1,000 |
| 84 months, $25,000 minimum | 4.99% | $14.13 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $125,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
**Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment** |
|---|---|---|
| 36 - 72 Months | ||
| GPA 3.50 or higher | 3.99% | $18.41 per $1,000 |
| GPA 3.00 or 3.49 | 5.49% | $19.10 per $1,000 |
| GPA 2.50 or 2.99 | 7.99% | $20.27 per $1,000 |
| GPA 2.49 or less | 13.99% | $23.26 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. Maximum loan amount $20,000. Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
**Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment** |
|---|---|---|
| 36 Months | 3.99% | $29.52 per $1,000 |
| 48 Months | 3.99% | $22.57 per $1,000 |
| 60 Months | 3.99% | $18.41 per $1,000 |
| 72 Months | 3.99% | $15.64 per $1,000 |
| 84 Months | 4.99% | $14.13 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $100,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
**Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment** |
|---|---|---|
| 36 - 60 Months | ||
| GPA 3.50 or higher | 3.99% | $18.41 per $1,000 |
| GPA 3.00 - 3.49 | 5.49% | $19.10 per $1,000 |
| GPA 2.50 - 2.99 | 7.99% | $20.27 per $1,000 |
| GPA 2.49 or less | 13.99% | $23.26 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. Maximum loan amount $20,000. Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
**Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment** |
|---|---|---|
| 36 Months | 7.24% | $30.99 per $1,000 |
| 48 Months | 7.74% | $24.29 per $1,000 |
| 60 Months | 7.94% | $20.25 per $1,000 |
| 72 Months | 7.94% | $17.50 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $100,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
**Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment** |
|---|---|---|
| Up to 60 Months | 7.94% | $20.25 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $50,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
**Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|
| 36 Months | 6.50% | $30.65 per $1,000 |
| 48 Months | 6.50% | $23.71 per $1,000 |
| 60 Months | 6.50% | $19.57 per $1,000 |
| 72 Months | 6.50% | $16.81 per $1,000 |
| 84 Months | 7.00% | $15.09 per $1,000 |
| 120 Months | 8.00% | $12.13 per $1,000 |
| 144 Months | 9.00% | $11.38 per $1,000 |
| 180 Months | 10.00% | $10.75 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $250,000. Trailer max. length 48 ft. and/or width 8.5 ft. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR). Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|
| 36 Months | 7.00% | $30.88 per $1,000 |
| 48 Months | 7.00% | $23.95 per $1,000 |
| 60 Months | 7.00% | $19.80 per $1,000 |
| 72 Months | 7.00% | $17.05 per $1,000 |
| 84 Months | 7.50% | $15.34 per $1,000 |
| 120 Months | 8.50% | $12.40 per $1,000 |
| 144 Months | 9.50% | $11.66 per $1,000 |
| 180 Months | 10.50% | $11.05 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $250,000. Trailer max. length 48 ft. and/or width 8.5 ft. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR). Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment** |
|---|---|---|
| 36 Months | 6.00% | $30.42 per $1,000 |
| 48 Months | 6.00% | $23.49 per $1,000 |
| 60 Months | 6.00% | $19.33 per $1,000 |
| 72 Months | 6.00% | $16.57 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $30,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
**Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment** |
|---|---|---|
| 36 Months | 6.50% | $30.65 per $1,000 |
| 48 Months | 6.50% | $23.71 per $1,000 |
| 60 Months | 6.50% | $19.57 per $1,000 |
| 72 Months | 6.50% | $16.81 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $30,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
**Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|
| 36 Months | 9.00% | $31.80 per $1,000 |
| 48 Months | 10.00% | $25.36 per $1,000 |
| 60 Months | 11.00% | $21.74 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $20,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR). Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|
| 36 Months | 6.50% | $30.65 per $1,000 |
| 48 Months | 6.50% | $23.71 per $1,000 |
| 60 Months | 6.50% | $19.57 per $1,000 |
| 72 Months | 6.50% | $16.81 per $1,000 |
| 84 Months | 7.00% | $15.09 per $1,000 |
| 120 Months | 8.00% | $12.13 per $1,000 |
| 144 Months | 9.00% | $11.38 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $100,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR). Estimated monthly payment is per $1,000 borrowed.
| Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|
| 36 Months | 7.00% | $30.88 per $1,000 |
| 48 Months | 7.00% | $23.95 per $1,000 |
| 60 Months | 7.00% | $19.80 per $1,000 |
| 72 Months | 7.00% | $17.05 per $1,000 |
| 84 Months | 8.50% | $15.84 per $1,000 |
| 120 Months | 9.50% | $12.94 per $1,000 |
| 144 Months | 10.50% | $12.24 per $1,000 |
All loans subject to credit approval. Must be titled in California. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Maximum loan amount $100,000. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR). Estimated monthly payment is per $1,000 borrowed.
| Product Type | Rate |
|---|---|
| Portfolio | Rate Information |
| Government | Rate Information |
| Specialty | Rate Information |
| Current Variable APR | Lifetime Maximum Variable APR | Maximum Credit Limit | Annual Fee | Draw Period | Fees to Open | |
|---|---|---|---|---|---|---|
| 1st Trust Deed | 6.000% | 11.000% | $400,000 | None | 10 Years | $125 - $725 |
| 2nd Trust Deed | 6.000% | 11.000% | $400,000 | None | 10 Years | $125 - $725 |
| Credit Card Type | Credit Limit | APR* As Low As |
|---|---|---|
| Visa Platinum Rewards | Up to $35,000 | 10.99% |
| Visa Golden Owl** | Up to $15,000 | 12.99% |
| Visa Classic | Up to $15,000 | 13.99% |
| Visa Starter/Student | Up to $2,500 | 13.99% |
*Annual Percentage Rate (APR).
| Loan Type | APR* |
|---|---|
| Share Secured | 4.00% above rate paid on Savings |
| Share Certificate Secured | 3.00% above rate paid on Share Certificate |
Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
| From | To | APR* As Low As | Estimated Monthly Payment |
|---|---|---|---|
| $100 | $30,000 | 12.50% | Based on balance |
All loans subject to credit approval. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
| From | To | APR* As Low As | Estimated Monthly Payment |
|---|---|---|---|
| $250 | $1,000 | 0.00% | Based on balance |
All loans subject to credit approval. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. For school employees with EECU direct deposit. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
| From | To | Max Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|---|---|
| $100 | $60,000 | 84 Months | 7.50% | $15.34 per $1,000 |
| $15,001 | $60,000 | 120 Months | 7.50% | $11.87 per $1,000 |
| $25,001 | $60,000 | 180 Months | 7.50% | $9.27 per $1,000 |
All loans subject to credit approval. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR). Estimated monthly payment is per $1,000 borrowed.
| From | To | APR* |
|---|---|---|
| $500 | $1,000 | 3.00% |
1MyCash Technology Loan rate shown includes a 1.00% discount for required automatic payment. Minimum loan amount $500; maximum loan amount $1,000. MyCash Technology Loan applies to members ages 18 and older. These rates are not available for refinancing existing EECU loans. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
| From | To | Max Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|---|---|
| $100 | $20,000 | 12 Months | 7.50% | $86.76 per $1,000 |
| $2,500 | $20,000 | 24 Months | 7.50% | $45.00 per $1,000 |
| $7,500 | $20,000 | 36 Months | 7.50% | $31.11 per $1,000 |
All loans subject to credit approval. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR). Estimated monthly payment is per $1,000 borrowed.
| From | To | APR* As Low As | Estimated Monthly Payment |
|---|---|---|---|
| $100 | $5,000 | 10.00% | Based on Balance |
All loans subject to credit approval. Actual rates offered to approved applicants depend on payment method, credit history, and other factors.
*Annual Percentage Rate (APR).
| Student GPA | APR* |
|---|---|
| 3.50 or higher | 10.00% |
| 3.00 - 3.49 | 12.00% |
| 2.50 - 2.99 | 14.00% |
| 2.49 or less | 15.00% |
Student Overdraft Protection Loan rate shown are based on student GPA. Maximum loan amount $1,000. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. In accordance with Federal law, applicants under 21 years of age must provide evidence of independent income and the ability to repay the line of credit. If independent income cannot be verified, a qualified co-signer will be required.
*Annual Percentage Rate (APR).
| From | To | APR* As Low As | Estimated Monthly Payment |
|---|---|---|---|
| $100 | $30,000 | 12.00% | Based on balance |
All loans subject to credit approval. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
| From | To | Max Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|---|---|
| $500 | $7,500 | 60 Months | 7.00% | Based on Balance |
All loans subject to credit approval. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
| From | To | Max Term | APR* As Low As | Estimated Monthly Payment |
|---|---|---|---|---|
| $2,500 | $15,000 | 60 Months | 7.50% | Based on balance |
All loans subject to credit approval. Actual rates offered to approved applicants depend on payment method, credit history, and other factors. “As Low As” rate includes .50% discount for automatic payment from EECU checking account. Membership eligibility/approval and $5 savings deposit required to join EECU.
*Annual Percentage Rate (APR).
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| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $0.00 | $249.99 | no dividends paid on this range | |
| $250.00 | $4,999.99 | 0.10% | 0.10% |
| $5,000.00 | $9,999.99 | 0.15% | 0.15% |
| $10,000.00 | Over | 0.20% | 0.20% |
* APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Fees may reduce earnings.
| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $0.00 | $249.99 | 0.10% | 0.10% |
| $250.00 | $4,999.99 | 0.10% | 0.10% |
| $5,000.00 | $9,999.99 | 0.15% | 0.15% |
| $10,000.00 | Over | 0.20% | 0.20% |
* APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Fees may reduce earnings.
| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $0.00 | $499.99 | no dividends paid on this range | no dividends paid on this range |
| $500.00 | Over | 0.05% | 0.05% |
| Term | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| 91 Day | $500 | 2.80% | 2.76% |
| $10,000 | 2.85% | 2.81% | |
| $50,000 | 2.90% | 2.86% | |
| $100,000 | 2.95% | 2.91% | |
| 6 Month | $500 | 3.10% | 3.06% |
| $10,000 | 3.15% | 3.11% | |
| $50,000 | 3.20% | 3.15% | |
| $100,000 | 3.25% | 3.20% | |
| 1 Year | $500 | 3.40% | 3.35% |
| $10,000 | 3.45% | 3.40% | |
| $50,000 | 3.51% | 3.45% | |
| $100,000 | 3.56% | 3.50% | |
| 18 Month | $500 | 3.51% | 3.45% |
| $10,000 | 3.56% | 3.50% | |
| $50,000 | 3.61% | 3.55% | |
| $100,000 | 3.66% | 3.60% | |
| 2 Year | $500 | 3.56% | 3.50% |
| $10,000 | 3.61% | 3.55% | |
| $50,000 | 3.66% | 3.60% | |
| $100,000 | 3.71% | 3.65% | |
| 3 Year | $500 | 3.61% | 3.55% |
| $10,000 | 3.66% | 3.60% | |
| $50,000 | 3.71% | 3.65% | |
| $100,000 | 3.76% | 3.70% |
| Tier | Minimum Balance to Open & Earn APY | APY* | Dividend Rate |
|---|---|---|---|
| Tier 1 | $50 | 3.50% | 3.45% |
| Tier 2 | $200 | 3.75% | 3.69% |
| Tier 3 | $300 | 4.00% | 3.93% |
| Tier 4 | $400 | 4.25% | 4.17% |
| Tier 5 | $500 (maximum principal balance) | 4.50% | 4.41% |
*APY = Annual Percentage Yield. Rates and terms are subject to change without notice. APY assumes principal and dividends remain on deposit for the length of the term. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal. This is a Tiered Rate term account. Additional deposits are allowed during the term of the certificate, up to the maximum principal balance of $500. The dividend rate and APY applicable to the entire principal balance will change automatically when the deposit balance meets the next defined tier threshold. One Share Saver Certificate per account.
| Term | Minimum Balance | APY* | Dividend Rate |
|---|---|---|---|
| 1 Year | $500 | 3.40% | 3.35% |
| 18 Month | $500 | 3.51% | 3.45% |
| 2 Year | $500 | 3.56% | 3.50% |
| 3 Year | $500 | 3.61% | 3.55% |
| 4 Year | $500 | 3.66% | 3.60% |
| 5 Year | $500 | 3.71% | 3.65% |
| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $0.00 | $12,000 | 0.30% | 0.30% |
* APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Maximum account balance is $12,000. One early withdrawal allowed each account term prior to July 1. Balance transferred July 1 to savings or checking. Account automatically renews unless canceled or changed.
| From | To | APY* | Dividend Rate |
|---|---|---|---|
| $0.00 | $12,000 | 0.30% | 0.30% |
* APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Maximum account balance is $12,000. $5 fee for each early withdrawal prior to club year-end on October 31. Balance transferred November 1 to savings or checking. Account automatically renews unless canceled or changed. Fees may reduce earnings.
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