Current Rates
Savings Rates:
| 90 Day Certificate |
1.76% APR |
| 6 Month Certificate |
1.49% APR |
| 12 Month Certificate |
1.17% APR |
| 24 Month Certificate |
1.48% APR |
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| Shares (Savings) |
0.05% APR |
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| IRA’s |
0.13% 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 |
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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 December 21, 2022
| Model |
Terms |
APR* |
| 2021 & 2022 (New Only) |
48 MONTHS |
As low as 4.56% |
| 2021 & 2022 (New Only) |
60 MONTHS |
As low as 5.06% |
| 2021 & 2022 (New Only) |
72 MONTHS |
As low as 5.56% |
| 2020 thru 2022 |
48 MONTHS |
As low as 5.31% |
| 2020 thru 2022 |
60 MONTHS |
As low as 5.81% |
| 2020 thru 2022 |
72 MONTHS |
As low as 6.31% |
| 2017 thru 2019 |
60 MONTHS |
As low as 6.31% |
| 2014 thru 2016 |
48 MONTHS |
As low as 7.31% |
| 2013 and Older |
36 MONTHS |
As low as 8.81% |
* 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.