Current Rates
Savings Rates:
90 Day Certificate |
0.15% APR |
6 Month Certificate |
0.20% APR |
12 Month Certificate |
0.30% APR |
24 Month Certificate |
0.40% APR |
|
|
Shares (Savings) |
0.05% APR |
|
|
IRA’s |
0.25% APR |
All Certificate dividends are paid and compounded quarterly.
Mortgage Loan Rates:
1st mortgage |
Call for Current Rate |
Fixed 20 years |
2nd mortgage |
Call for Current Rate |
Fixed 7 years |
Home Equity |
Call for Current Rate |
Variable 10 years |
|
|
|
Members with checking accounts get .25% discount AND with payroll deduction or direct deposit get .25% discount off all rates excluding VISA Credit Card, Loan Specials, Share Secured or Certificate Secured Loans and Mortgage Loans. Loan discounts cannot exceed 1.00%
Auto Loan Rates
Effective October 20, 2020
Model |
Terms |
APR* |
2021 & 2022 (New Only) |
48 MONTHS |
As low as 2.50% |
2021 & 2022 (New Only) |
60 MONTHS |
As low as 3.00% |
2021 & 2022 (New Only) |
72 MONTHS |
As low as 3.50% |
2020 thru 2022 |
48 MONTHS |
As low as 3.25% |
2020 thru 2022 |
60 MONTHS |
As low as 3.75% |
2020 thru 2022 |
72 MONTHS |
As low as 4.25% |
2017 thru 2019 |
60 MONTHS |
As low as 4.25% |
2014 thru 2016 |
48 MONTHS |
As low as 5.25% |
2013 and Older |
36 MONTHS |
As low as 6.75% |
* Actual rate is determined by credit score. Lowest loan rates includes .25% discount for having a checking account and .25% for payroll deduction or direct deposit. Loan discounts cannot exceed 1.00%. Must meet credit requirements. Not available for the refinancing of existing Modern EFCU loans.
If you have a vehicle financed at another financial institution, refinancing it at your Credit Union might lower your monthly payment and save you money. Call our office today for more information.