Current Loan Rates

Everyone's Federal Credit Union is an equal opportunity lender. Excluding organizations, any member of this credit union, 18 years or older, is eligible for  obtaining a loan within the guidelines of the overall policy.

We offer a Risk-based Pricing loan product. This means loans will be classified into 6 grades. Grade "A+" being the best credit grade available. Interest rates will vary  based on the credit grade. "A+" credit grade will be charged the lowest interest rates and "E" credit grade will be charged a higher interest rate. This way of lending allows us to help members even if a member's credit has a few imperfections.

All credit union loans are simple interest rates. Loans are made at competitive rates in accordance with policies established by the Board of Directors. Loans are granted on credit history, beacon score, need and the ability to repay. Interest is applied to the unpaid balance each time a payment is made.

We must have current application information and your last paystub with each loan request.

Currently, we offer the following:

  • Signature/Personal - member simply signs loan documents.
  • Share Secured-member uses money in share accounts to secure loan.
  • Share Certificate Secured-member uses share certificate to secure loan.
  • New Vehicle
  • Used Vehicle
  • Recreational Vehicles
  • Mobile Home Title Loans
  • Real Estate

We also offer:

  • Pre-approvals
  • Credit Life Insurance
  • Disability Insurance
  • Gap Insurance
  • Mechanical Repair Coverage

Special Loan Sale Promotions are offered throughout the year.


Current Loan Rates - Effective April 1, 2013
These Interest Rates are Based on "A+" credit grade.
Terms

Interest Rates will vary based on a
member's credit grade-A+, A, B, C, D or E

Auto, Recreational
New
60 - 84 months
RATES AS LOW AS
1.99% - 16.00% APR*
   
One Year/Program
RATES AS LOW AS
APR*
   
UV-2-5 year models
60-84 months
RATES AS LOW AS
3.89% - 17.00% APR*
   
6-10 year models
54 months
RATES AS LOW AS
4.99% - 17.00% APR*
   
UV 11-Over
24-36 months
RATES AS LOW AS
5.49% - 16.75% APR*
   
Over Classic $10,000.00 Max old
RATES AS LOW AS
6.99% - 16.75% APR*
   
OD Line of Credit Rate (Limits Not Available)
OD Line of Credit-Checking Overdraft Protection
OD Line of Credit
RATES AS LOW AS
APR*
   
Signature Loans Based on One (1) Month Gross Income
Up to 36 months
(Minimum Signature Loan )
RATES AS LOW AS
7.99% - 17.00% APR*
Loans Will Be Set Above Last Dividend Paid Rate
   
Share Secured
36-72 months
RATES AS LOW AS
1.50%-3.50% APR*
1. Share Certificate Secured Loans Will Be Set Above Dividend Rate for the Term of the CD.
2. Once the Share Certificate Matures the Loan Will be Renewed at the New Rate.
3. All Interest Rates Are Subject to Change Without Notice Based on Current Market Factors.
Mobile Home Value
NEW 2014-2013
48-120 months
RATES AS LOW AS
3.00% - 9.75% APR*
   
2-5 yr model
48-120 months
RATES AS LOW AS
6.50% - 17.00% APR*
   
2013--2009
48-120 months
RATES AS LOW AS
3.50% - 10.50% APR*
   
2008-2004
48-96 months
RATES AS LOW AS
4.00% - 10.25% APR*
   
2003-1999
48-84months
RATES AS LOW AS
4.25% - 10.00% APR*
   
Over 15 years and older old
36-72 months
RATES AS LOW AS
4.50% - 10.00%% APR*

*APR is the Annual Percentage Rate

All Interest Rates Are Subject To Change Without Notice Based on Current Market Factors.

This page is intended as an advertisement and an information sheet and is not a disclosure. If you wish further disclosures, please contact the loan department @ 575-461-0433 Press 2.

Auto/RV Rates»
Line of Credit Rates»
Signature Rates»
Share Secured Rates»
Mobile Home Rates»

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Financial Calculators»


NMLS ID 811475

 
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