ECU Rates

View current Education Credit Union rates for savings, checking, CDs, and loans, including competitive APYs and APRs.

ACCOUNT RATES

Share Savings

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0 to $99.99Monthly0.00%
$100.00 to $4,999.99Monthly0.15%
$5,000.00 to $24,999.99Monthly0.20%
$25,000.00 to $49,999.99Monthly0.25%
$50,000.00 and upMonthly0.30%

Minimum Earning Balance $100.00.

Additional Savings

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0 to $99.99Monthly0.00%
$100.00 to $4,999.99Monthly0.05%
$5,000.00 to $24,999.99Monthly0.05%
$25,000.00 to $49,999.99Monthly0.10%
$50,000.00 and upMonthly0.15%

Minimum Earning Balance $100.00.

Summer Pay

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
All BalancesMonthly0.20%

Minimum Earning Balance $10.00.

H&H Legacy Super Share Account

Pay FrequencyAnnual Percentage Yield
Monthly0.50%

*Prospective Rates and Annual Percentage Yields, effective as of August 17th, 2026, which are subject to change without notice.

$mart Checking

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
Standard Rate: $1,000 and upMonthly0.10%
Bonus Rate: $75,000 and belowMonthly4.25%

Interest Checking, Golden Apple Checking, Red Apple Checking

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$900.00 to $2,499.99Monthly0.05%
$2,500.00 and upMonthly 0.05%

*Prospective Rates and Annual Percentage Yields, effective as of August 17th, 2026, which are subject to change without notice.

Certificates of Deposit

TermPayment FrequencyAnnual Percentage Yield
6 MonthAt Maturity3.50%
9 Month At Maturity3.75%
12 MonthAt Maturity 3.40%
24 MonthAt Maturity3.10%
36 MonthAt Maturity2.50%
60 MonthAt Maturity2.50%

*Prospective Rates and Annual Percentage Yields, effective as of August 17th, 2026, which are subject to change without notice. Rates are paid at maturity, penalty for early withdrawal.
Minimum opening balance of $500.00 on all CD’s.

**APY=Annual Percentage Yield.

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0.00 and upMonthly0.20%

*Prospective Rates and Annual Percentage Yields, effective as of August 17th, 2026, which are subject to change without notice. (Early withdrawal penalties may apply.)

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $9,999.99Monthly0.50%
$10,000 and upMonthly1.00%

*Prospective Rates and Annual Percentage Yields, effective as of August 17th, 2026, which are subject to change without notice. Early withdrawal penalties may apply.

Money Market

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$0.00 to $25.00Monthly0.00%
$500.00 to $24,999.99Monthly 0.40%
$25,000.00 to $49,999.99Monthly 0.50%
$50,000.00 to $99,999.99Monthly0.60%
$100,000.00 and upMonthly0.70%

*$500 minimum opening account balance.

Super Money Market

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $2,499.99Monthly0.00%
$2,500.00 to $24,999.99
Monthly1.65%
$25,000.00 to $49,999.99Monthly1.85%
$50,000.00 to $99,999.99Monthly1.95%
$100,000.00 to $149,999.99Monthly2.15%
$150,000.00 to $159,999.99Monthly2.15%
$160,000.00 and upMonthly2.15%

*$25,000 minimum opening account balance.

*Prospective Rates and Annual Percentage Yields, effective as of August 17th, 2026, which are subject to change without notice.

Minimum Earning BalancePay FrequencyAnnual Percentage Yield
$25.00 to $9,999.99Monthly0.50%
$10,000.00 and upMonthly1.00%

*Prospective Rates and Annual Percentage Yields, effective as of August 17th, 2026.

LOAN RATES

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
New/Used 2026 to 2022 Year Old Models
Up to 60 months4.99%0.013671%
61-72 months4.99%0.013671%
73-84 months5.50%0.015068%

UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Used 2021 to 2011 Year Old ModelsUp to 60 months5.40%0.014794%
Used 2021 to 201761-72 months5.40%0.014794%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective August 17th, 2026, which are subject to change without notice.

New vehicles costing $30,000 or more may be financed up to 84 months with approved credit.

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2026 to 2022 Year Old ModelsUp to 60 months6.99%0.019151%
61-72 months7.24%0.019836%
73-84 months7.74%0.021205%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2021 to 2011 Year Old ModelsUp to 60 months8.24%0.022575%
2021 to 2017 Year Models61-72 months8.99%0.024630%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of August 17th, 2026, which are subject to change without notice.

VISA Platinum Cash RewardsAnnual Percentage RateDaily Periodic Rate
Standard Rate Purchases10.74% to 17.75%.030794% to .048630%
Late Fee - If a payment is 10 days or more past due, you will be charged a Late Payment Fee of $25.00
Return Check Fee - $24.00

*Stated Annual Percentage Rates are with approved credit, effective as of August 17th, 2026, which are subject to change without notice.

25-day grace period on all Visa accounts. Minimum monthly payment equal to 3% of balance or $18, whichever is greater. ATM cash advance on PIN number.

Extra Credit LOCTermAnnual Percentage Rate As Low AsDaily Periodic Rate
UnsecuredOpen End11.25%.032192%
Personal Loans, Household Goods,
Electronic, Cosmetic, Lasik, Wedding, Vacation		TermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured Up to 48 months7.25%0.019863%
New Teacher LoanTermAnnual Percentage Rate As Low AsDaily Periodic Rate
Unsecured1-36 months6.75%0.018493%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of August 17th, 2026, which are subject to change without notice.

Rate is Variable adjusted quarterly.

NewTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2026 to 2022 Year Old ModelsUp to 60 Months6.99%0.019151%
61-84 Months7.74%0.021205%
Only Motorhomes, Travel Trailers & 5th Wheels85-120 Months8.24%0.022575%
UsedTermAnnual Percentage Rate As Low AsDaily Periodic Rate
2021 to 2011 Year Old ModelsUp to 60 Months7.74%0.021205%
61-84 Months8.49%0.023260%

*Stated Annual Percentage Rates are with approved credit and includes all loyal member loan rate discounts, effective as of August 17th, 2026. Rates, terms and conditions are subject to change without notice.