Rates
{"items":[{"heading":"Home Buying Seminar","startDate":"August 3 at 2:02pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"October 20, 2022
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"August 3 at 2:07pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 18, 2022
6PM CST
Presented virtually via WebEx
FOR MEMBERS RESIDING IN TEXAS ONLY
Click to Register
","lat":"","lng":""},{"heading":"Estate Planning Basics","startDate":"August 3 at 3:19pm ET","url":"/resources/seminars-events/tennessee/estate-planning-basics","summary":"October 25, 2022
6PM EST
Presented Virtually via WebEx.
Click to Register.
","lat":"","lng":""},{"heading":"Social Security","startDate":"August 3 at 3:20pm ET","url":"/resources/seminars-events/tennessee/social-security","summary":"November 8, 2022
6PM EST
Presented Virtually via WebEx
Click to Register","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 15 at 8:00am ET","url":"/resources/2022-shred-days/tennessee-shred-days/shred-day-kingsport,-tn-(2)","summary":"October 15, 2022 – 8AM -12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Shred Day - Longview, TX","startDate":"October 21 at 8:21am ET","url":"/resources/2022-shred-days/texas-shred-days/shred-day-longview,-tx","summary":"October 21, 2022 – 1PM to 5PM or until trucks reach maximum capacityPine Tree Branch
2002 West Loop 281
Longview, TX 75604","lat":"","lng":""}]}
Auto Loan Rates
TermLoan TermAPRPayment Example
36 - 120 months New Auto3.850% - 10.440%$22.52 - $25.58
36 - 120 months Used Auto4.050% - 11.090%$22.61 - $25.89

Rates accurate as of October 3, 2022 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 6.000%6.307%1.000%
30 Year Fixed 6.375%6.562%1.000%
30 Year Fixed First Time Homebuyers7.625%7.727%0.000%

Rates accurate as of October 6, 2022 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 6.000%, and an APR of 6.307% would result in 180 monthly principal and interest payments of $843.86.  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 6.375%, and an APR of 6.562%, would result in 360 monthly principal and interest payments of $623.87. 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 7.625%, and an APR of 7.727%, would result in 360 monthly principal and interest payments of $928.98.  Payment does not include amounts for taxes and insurance premiums.
 

RV & Powersports Loan Rates
TermLoan TermAPRPayment Example
36 - 180 months New3.850% - 6.800%$22.52 - $23.86
36 - 180 monthsUsed4.050% - 7.290%$22.61 - $24.08

Rates accurate as of October 3, 2022 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 Rate7.950%$24.39

Rates accurate as of October 3, 2022 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 Rate3.500%$22.36
Up to 84 monthsFixed Rate3.85%$22.52
Up to 180 monthsFixed Rate4.500%$22.81
Up to 216 monthsFixed Rate5.000%$23.03
Up to 240 monthsFixed Rate5.500%$23.26
Up to 300 monthsFixed Rate6.000%$23.49

Rates accurate as of October 3, 2022 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 Rate4.550% - 6.800%$22.83 - $23.86

Rates accurate as of October 3, 2022 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.