Encore Federal Credit Union
Rates Encore Federal Credit Union

The following are Encore Federal Credit Union rates effective APRIL 1, 2014.

All rates listed are subject to change without notice.

Your Share Account will earn dividends at a rate commensurate with the average daily balance for the dividend period. The dividend rate and corresponding Annual Percentage Yield are set forth below:

 

Share Rates

Dividend

APY*

0.15%

0.15%


NCUA


*APY = Annual Percentage Yield


 

Secured Loans

 

Term

Fixed APR*

Estimated Mo. Pymt. based on max.mos.
per $1000

Share Secured

1-36 months

3.00%

$29.08

 

New Vehicles 

1-24 months

2.00%

$42.54

 (Applicable with e-Statement signup)
   1.49% $42.32

 

25-36 months

2.25%

$28.75

     1.59% $28.46

 

37-48 months

2.50%

$21.80

     1.69% $21.56

 

49-60 months

2.75%

$17.64

     1.79% $17.44
 

61-66 months

3.00%

$16.34

 

 

 1.89%

$15.96


67-72 months

3.25%

$15.19

 

 

1.99%

$14.75


73-84 months

3.50%

$13.44

 

 

2.19%

$12.85

 

Used Vehicles  **

 1-24 months

2.25%

$42.65

 (Applicable with e-Statement signup)
   1.59% $42.36

 

25-36 months

2.50%

$28.86

     1.69% $28.51

 

37-48 months

2.75%

$22.02

     1.79% $21.60

 

49-60 months

3.00%

$17.97

     1.89% $17.48

 

61-72 Months

 3.25%

$15.31

     2.29%
$14.88

** Used vehicles must be seven years old or newer to qualify for financing.

New and Used Boats

  1-36 months

5.75%

$30.31

 

37-48 months

6.25%

$23.60

 

49-60 months

6.50%

$19.57

 

61-72 months

6.75%

$16.93


*APR=Annual Percentage Rate

100% financing applies to all new vehicles. Used vehicles seven years old or newer are financed at 100% of the NADA average value or invoice price, which ever is less.

 

 Other Loans

 

Term

APR*

Estimated Mo. Pymt. based on max.mos.
per $1000

Personal Loan
(up to $5,000)

 1-24 months

4.75%

$43.76

Personal Loan

(up to $10,000)

25-36 Months  6.75% $30.76
Personal Loan
(up to $15,000)
 37-48 months 8.75% $24.77

Visa Platinum  - No Annual Fees
(Intro rate of 4.90% for six months)

 

9.90%

Fixed Rate

Signature Line of Credit

 

13.90%

Fixed Rate

Home Equity Credit Line

   180 months

Prime

Variable Rate

Borrow up to 80% of your home's appraised value to a maximum of $100,000. (Illinois only)
The minimum Annual Percentage Rate at any time is 4.00%

Home Equity Credit Line

  180 months

4.00%

Fixed Rate

Borrow up to 80% of your home's appraised value to a maximum of $100,000. (Illinois only)

 

 

 

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