Rates
{"items":[{"heading":"Home Buying Seminar","startDate":"April 25 at 2:48pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(2)","summary":"April 25, 2024
6PM EST
Presented IN PERSON
Northeast Tennessee Association of Realtors (NETAR)
105 Tri-City Business Park
Johnson City, TN 37615 (Gray)
Click to Register","lat":"","lng":""},{"heading":"Shred Day - Bristol, VA","startDate":"May 4 at 8:00am ET","url":"/resources/shred-days/virginia-shred-days/shred-day-bristol,-va","summary":"May 18, 2024 – 8AM -12PM or until trucks reach maximum capacityLee Highway Branch
16501 Highlands Center Boulevard
Bristol, VA 24202","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"May 4 at 8:00am ET","url":"/resources/shred-days/tennessee-shred-days/shred-day-kingsport,-tn","summary":"May 4, 2024 – 8AM -12PM or until trucks reach maximum capacityAllandale Branch
4325 W. Stone Drive
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Estate Planning Basics","startDate":"May 7 at 1:38pm ET","url":"/resources/seminars-events/tennessee/estate-planning-basics","summary":"May 7, 2024
6PM EST
Presented Virtually via WebEx.
Click to Register.
","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"May 14 at 3:11pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"May 14, 2024
5:30PM EST
Presented IN PERSON
Walters State Community College
Niswonger - Greeneville Campus
Room 139

221 North College Street
Greeneville, TN 37745
Click to Register","lat":"","lng":""},{"heading":"Shred Day - Greeneville, TN","startDate":"September 21 at 8:00am ET","url":"/resources/shred-days/tennessee-shred-days/shred-day-greeneville,-tn","summary":"September 21, 2024 – 8AM -12PM or until trucks reach maximum capacityGreeneville Branch
3811 E. Andrew Johnson Highway
Greeneville, TN 37745","lat":"","lng":""},{"heading":"Shred Day - Gray, TN","startDate":"September 28 at 8:00am ET","url":"/resources/shred-days/tennessee-shred-days/shred-day-gray,-tn","summary":"September 28, 2024 – 8AM -12PM or until trucks reach maximum capacityGray Branch
384 Roy Martin Rd
Gray, TN 37615","lat":"","lng":""},{"heading":"Shred Day - Longview, TX","startDate":"October 4 at 1:00pm ET","url":"/resources/shred-days/texas-shred-days/shred-day-longview,-tx","summary":"October 4, 2024 – 1PM to 5PM or until trucks reach maximum capacityPine Tree Branch
2002 West Loop 281
Longview, TX 75604","lat":"","lng":""},{"heading":"Shred Day - Blountville, TN","startDate":"October 5 at 8:00am ET","url":"/resources/shred-days/tennessee-shred-days/shred-day-blountville,-tn","summary":"October 5, 2024 – 8AM -12PM or until trucks reach maximum capacityBlountville Branch
1911 Highway 394
Blountville, TN 37617","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 19 at 8:00am ET","url":"/resources/shred-days/tennessee-shred-days/shred-day-kingsport,-tn-(2)","summary":"October 19, 2024 – 8AM -12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660","lat":"","lng":""}]}
Auto Loan Rates
TermLoan TermAPRPayment Example
36 - 120 months New Auto6.150% - 12.740%$23.56 - $26.70
36 - 120 months Used Auto6.350% -13.390%$23.65 - $27.03

Rates accurate as of April 1, 2024 and are subject to change.

1The loan terms, rates and payments listed above are examples used to illustrate possible credit transactions. The terms of your credit transaction will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value.

2APR refers to Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history, underwriting criteria  and loan amount. Certain restrictions may apply.

3Payment example is based on $1,000 for 48 months. To calculate your estimated payment on other terms, please use our payment calculator.

Mortgage Loan Rates
Loan TermRateAPRPoints
15 Year Fixed 6.500%6.811%1.000%
30 Year Fixed 7.000%7.195%1.000%
30 Year Fixed First Time Homebuyers8.250%8.356%0.000%

Rates accurate as of April 25, 2024 and are subject to change.

1 APR refers to Annual Percentage Rate. Your rate may be higher depending on credit history and underwriting criteria. Certain restrictions may apply.

Example: 15-year fixed rate loan with Purchase  Price of $125,000 with a 20% down payment,  Loan Amount of $100,000, paying 1.00 Origination Point with an annual interest rate of 6.50%, and an APR of 6.811% would result in 180 monthly principal and interest payments of $871.11.  Payment does not include amounts for taxes and insurance premiums.

Example: 30-year fixed rate loan with Purchase Price of $125,000 with a 20% down payment, Loan Amount of $100,000, paying 1.00 Origination point with an annual interest rate of 7%, and an APR of 7.195%, would result in 360 monthly principal and interest payments of $665.30. Payment does not include amounts for taxes and insurance premiums.

Example:  30-year fixed rate First Time Home Buyers loan with Purchase Price of $125,000 and a loan amount of $131,250 (includes 5% in closing costs) with an annual interest rate of 8.25% and an APR of 8.356%, would result in 360 monthly principal and interest payments of $986.04.  Payment does not include amounts for taxes and insurance premiums.

RV & Powersports Loan Rates
TermLoan TermAPRPayment Example
36 - 180 months New6.150% - 9.100%$23.56 - $24.94
36 - 180 monthsUsed6.350% - 9.590%$23.65 - $25.17

Rates accurate as of April 1, 2024 and are subject to change.

1The loan terms, rates and payments listed above are examples used to illustrate possible credit transactions. The terms of your credit transaction will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value.

2APR refers to Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history, underwriting criteria and loan amount. Certain restrictions may apply.

3Payment example is based on $1,000 for 48 months. To calculate your estimated payment on other terms, please use our payment calculator.

Personal Loan Rates
TermLoan TermAPRPayment Example
Up to 96 monthsFixed Rate9.450%$25.10

Rates accurate as of April 1, 2024 and are subject to change.

1New money only.  Proceeds cannot be used for debt consolidation or to refinance existing ECU loans.  

2APR refers to Annual Percentage Rate.  The annual percentage rates listed are our best rates.  Your rate may be higher depending on credit history and underwriting criteria.  Certain restrictions may apply.  

3Payment example is based on $1,000 for 48 months.  To calculate your estimated payment, please use our payment calculator.

Student Loan Rates
TermLoan TermAPRPayment Example
Up to 60 monthsFixed Rate4.750%$22.92
Up to 84 monthsFixed Rate5.10%$23.08
Up to 180 monthsFixed Rate5.750%$23.37
Up to 216 monthsFixed Rate6.250%$23.60
Up to 240 monthsFixed Rate6.750%$23.84
Up to 300 monthsFixed Rate7.250%$24.07

Rates accurate as of April 1, 2024 and are subject to change.

The loan terms, rates and payments listed above are used to illustrate possible credit transactions. The terms of your credit transaction will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value.

1APR refers to Annual Percentage Rate. Your rate may be higher depending on credit history, underwriting criteria and loan amount. Certain restrictions may apply.

2Payment example is based on $1,000 for 48 months. To calculate your estimated payment, please use our payment calculator.

Equipment Loan Rates
TermLoan TermAPRPayment Example
36 - 180 monthsFixed Rate6.350% - 9.590%$23.65 - $25.17

Rates accurate as of April 1, 2024 and are subject to change.

1The loan terms, rates and payments listed above are examples used to illustrate possible credit transactions. The terms of your credit transaction will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value.

2APR refers to Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history, underwriting criteria and loan amount. Certain restrictions may apply.

3Payment example is based on $1,000 for 48 months. To calculate your estimated payment on other terms, please use our payment calculator.