Online Banking

Lending Rates

Effective October 1, 2022

TermAmount FinancedAPR*

New Vehicle

Varies100% Retail Value2.00% to 13.75%
Varies80% Retail Value1.75% to 13.25%

Used Vehicle

60 Months100% NADA Retail Value3.90% to 13.90%
48 Months100% NADA Retail Value3.65% to 13.65%
36 Months100% NADA Retail Value3.00% to 13.00%
24 Months100% NADA Retail Value2.75% to 12.50%
12 Months100% NADA Retail Value2.50% to 12.00%

New RV/Boat/Trailer

Varies100% Retail Value2.50% to 14.75%
Varies80% Retail Value2.25% to 14.25%

Used RV/Boat/Trailer

60 Months100% NADA Retail Value5.40% to 15.40%
48 Months100% NADA Retail Value5.15% to 15.15%
36 Months100% NADA Retail Value4.50% to 14.50%
24 Months100% NADA Retail Value4.25% to 14.25%
12 Months100% NADA Retail Value4.00% to 14.00%
*Annual Percentage Rate. Rates may vary depending on term and credit worthiness.
Loan TypeAPR*Additional Info

Secured Loans

Home Equity Loan4.85% to 6.60%
4.50% to 6.25% with share draft deduction

$75,000 (MAX)
cannot exceed 80% loan to value
5, 7 or 10 year terms
Home Equity Line of CreditPrime Interest Rate
Floor 5.00%
Ceiling 18.00%
$75,000 (MAX)
cannot exceed 80% loan to value
Share Secured Loan2% above regular share rate8 Year (MAX)
Certificate Secured Loan2% above regular certificate rate

Unsecured Loans

Signature Loan7.90% to 17.90%$15,000 (MAX)
72 Month (MAX)
First Time Borrower Loan15.00%$500
12 Month (MIN)
Student Loan7.00%$10,000 (MAX)
7 year (MAX)

Visa Credit Card

Annual Percentage Rate (APR) for Purchases7.99% - 14.99%
Cash Advance APR7.99% - 14.99%
Method of Computing the Balance for PurchasesAverage Daily Balance (Including new purchases)
Maximum Credit Limit based on Credit Worthiness$15,000
Annual FeeNone
Minimum FinanceCharge None
Transaction Fee for PurchasesNone
Late Payment Fee$20.00
Over-the-Limit FeeNone
View important Visa Credit Card Account Disclosure.
*Annual Percentage Rate. For all loans that edUFCU offers, rates may vary depending upon term and credit worthiness. Rates are subject to change without notification. Contact your credit union for details. The credit union reports information about loan and deposit accounts to the credit bureau. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
The CU makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.