Rates

Regular Shares, Club Accounts and IRA Shares Rate Annual Percentage Yield
  .05% .050%
Money Market Account Rate Annual Percentage Yield
$2,500 - $9,999 .05% .050%
$10,000 - $24,999 .05% .050%
$25,000 - $49,999 .10% .100%
$50,000 and above .10% .100%
     
Share Term Certificates and IRA Certificates Rate Annual Percentage Yield
6 month certificate (IRA not available)   .10%  .100%
12 month certificate**   .15%  .150%
18 month certificate**   .20%  .200%
24 month certificate**   .25%  .250%
36 month certificate**   .40%  .401%
48 month certificate**   .50%  .501%
60 month certificate**   .60%  .601%

**Dividend declaration date is the last business day of the month.

 

Loan Rates

Loan Type Annual Percentage Rate
Share Secured 3.50% APR
Certificate Secured 3.00% over Current CD Rate
VISA Credit Card Starting at 10.9% APR
Home Equity Loans
Home Equity Line of Credit1
Starting at Prime
Fixed Rate/Fixed Term2
80% LTV
90% LTV
100% LTV
5 years
4.50%
6.00%
Not available
10 years
5.00%
6.50%
Not available
15 years 5.50%
Not available
Not available
Home Improvement Starting at 8.50% APR
Education Loans 8.00% APR
Signature Loans3 Starting at 9.00% APR
  12 mos. Starting at 9.00% APR
  24 mos. Starting at 9.50% APR
  36 mos. Starting at 10.00% APR
  Over 36 mos. Starting at 11.00% APR

 

Loan Type Annual Percentage Rate
New Auto4 Starting at 1.99% APR
Used Auto5 Starting at 1.99% APR

 

Loan Type Annual Percentage Rate
Recreational Vehicles/Boats/ ATVs/ Campers/ Snowmobiles  
New and Used                                                                                           up to 60 months

Starting at 9.00% APR

                                                                                                                over 60 months add 1%  

Motorcycle Loans

 
New and Used                                                                                          up to 60 months Starting at 9.00% APR
                                                                                                      over 60 months add 1%  

As published in The Wall Street Journal.
**Prime Rate as of January 31, 2014 is 3.25% APR.

Minimum APR of 4%. Maximum APR of 18%.
Rate may vary based on credit worthiness.

1 Annual Percentage Rate (APR) may vary monthly and will be based on the Prime Rate published in the Wall Street Journal on the last business day of the month. Prime Rate as of January 31, 2014 is 3.25% APR. Minimum APR of 4%. Maximum APR of 18%. Minimum loan of $25,000 or closing costs may apply. Rate may vary based on credit worthiness. Property insurance may be required.

2 Minimum loan of $25,000 or closing costs may apply. Terms starting at 5 years. Up to 80% financing. Payment Example: 4.50% APR Rate is based
on a five year term with a monthly payment of $18.65 per thousand borrowed. Applicable to first liens only: payment does not include taxes and
insurance and payment will be greater.

3 APR = Annual Percentage Rate. Your rate may vary based on credit worthiness. Receive 1/4% off rate when you open a CU Exclusive Plus Account. 
Payment Example: One year loan at 9.00% APR for loan amount of $1,000 = Monthly Payment of $87.47.
Cannot be used to refinance existing ECFCU loans.

4 APR = Annual Percentage Rate. Rate may vary based on credit worthiness. 1.99% for 36 months, 48 & 60 months 2.25%, 72 months 2.50%.
Payment Example:1.99% APR Rate is based on a three year term with a monthly payment of $28.64 per thousand borrowed.
Cannot be used to refinance existing ECFCU car loans.

5 APR = Annual Percentage Rate. Rate may vary based on credit worthiness. 1.99% for 36 months, 48 & 60 months 2.25%. 72 months 2.50%.
Payment Example:1.99% APR Rate is based on a three year term with a monthly payment of $28.64 per thousand borrowed.
Cannot be used to refinance existing ECFCU car loans.    

 

 

 
Member owned. Community focused.
 
 
ENFIELD COMMUNITY FEDERAL CREDIT UNION, 11 CRANBROOK BOULEVARD, P.O. BOX 998, ENFIELD, CT, 06083-0998 (860) 253-5100
 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - NCUA National Credit Union Administration, a U.S. Government Agency
NCUA insured up to $250,000
Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act