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Personal Rates

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Banking Rates

Personal Checking

Amount Annual Percentage Yield1 Dividend Rate2
$0 - 9,999 0.05% 0.05%
$10,000 - 24,999 0.10% 0.10%
$25,000 - 49,999 0.15% 0.15%
$50,000 - 99,999 0.20% 0.20%
$100,000 - 199,999 0.25% 0.25%
$200,000 or Greater 0.30% 0.30%

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

1APY refers to annual percentage yield and is subject to change at the discretion of Eastman Credit Union with the exception of the share account which is determined by the credit union board of directors. APY assumes dividends will remain on deposit. APY is an annual calculation based on 365 days (366 days in a leap year). Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. APY shown is accurate as of the last dividend declaration date. Dividends are paid monthly on all accounts. Dividends earned on all accounts may be transferred to another account at ECU. Checks are not issued for dividends earned on these account types.

2Rate and APY for the Beyond Free Checking account also applies to the Health Savings Account checking account.

Personal Savings

Amount Annual Percentage Yield1 Dividend Rate2
Any amount greater than $5.00 0.30% 0.30%

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

1APY refers to annual percentage yield and is subject to change at the discretion of Eastman Credit Union with the exception of the share account which is determined by the credit union board of directors. APY assumes dividends will remain on deposit. APY is an annual calculation based on 365 days (366 days in a leap year). Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. APY shown is accurate as of the last dividend declaration date. Dividends are paid monthly on all accounts. Dividends earned on all accounts may be transferred to another account at ECU. Checks are not issued for dividends earned on these account types.
 
2Rate and APY for the share account also applies to the Christmas Club, Health Savings Account, Wellness, Stash Your Cash and Secure Visa accounts.

Individual Money Market Account

Amount Annual Percentage Yield1 Dividend Rate
$0 - 9,999 0.75% 0.75%
$10,000 - 24,999 0.85% 0.85%
$25,000 - 49,999 1.00% 1.00%
$50,000 - 99,999 1.25% 1.24%
$100,000 - 199,999 1.80% 1.79%
$200,000 or greater 2.00% 1.98%

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

1APY refers to annual percentage yield and is subject to change at any time at the discretion of Eastman Credit Union, with the exception of the share account which is determined by the credit union board of directors. APY assumes dividends will remain on deposit until maturity. APY is an annual calculation based on a 365/366 day year. A penalty will be imposed for early withdrawal. Fees or withdrawals may reduce earnings. APY can change after the account opening for variable rate accounts. The APY shown for all non-term share accounts is accurate as of the last dividend declaration date.

Consumer Loan Rates

Auto Loan Rates

Loan Term Collateral Type APR as Low as Payment Example
36 - 120 months New Auto 6.150% - 12.740% $321.90 - $388.18
36 - 120 months Used Auto 6.350% - 13.390% $323.80 - $395.10

Rates accurate as of June 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 $20,000 for 75 months. To calculate your estimated payment on other terms, please use our payment calculators.

RV and Powersport Rates

Loan Term Collateral Type APR as Low as Payment Example
36 - 180 Months New RV & Powersport 6.150% - 9.100% $321.90 - $350.68
36 - 180 Months Used RV & Powersport 6.350% - 9.590% $323.80 - $355.60

Rates accurate as of June 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 $20,000 for 75 months. To calculate your estimated payment on other terms, please use our payment calculators.

Equipment Loan Rates

Loan Term Rate Type APR as Low as Payment Example
36 - 180 months Fixed Rate 6.150% - 9.100% $23.65 - $25.17

Rates accurate as of June 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 calculators.

It's Your Money Loan Rates

Loan Term Rate Type APR as Low as Payment Example
Up to 96 months Fixed Rate 9.450% $125.51

Rates accurate as of June 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 $5,000 for 48 months.  To calculate your estimated payment, please use our payment calculator.

Signature Loan Rates

Loan Term Rate Type APR as Low as Payment Example
Up to 96 months Fixed Rate 11.450% $130.34

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

1APR 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. 

2Payment example is based on $5,000 for 48 months.  To calculate your estimated payment, please use our payment calculator.

Seasonal Loan Rates

Loan Term Rate Type APR as Low as Payment Example
Up to 18 months Fixed Rate 6.950% $58.66

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

1APR 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.

2Payment example is based on $1,000 for 18 months.  To calculate your estimated payment, please use our payment calculator.

Shared Security Personal Loan

Loan Term Rate Type APR as Low as Payment Example
365 Days Fixed Rate Share rate + 2.000% $84.37

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

1APR refers to Annual Percentage Rate.

2Payment example is based on $1,000 for 12 months.  To calculate your estimated payment, please use our payment calculator.

Investment Certificate Secured Loan

Loan Term Rate Type APR as Low as Payment Example
Up to 365 days Fixed Rate Certificate rate + 2.000% ---

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

1APR refers to Annual Percentage Rate.

Line of Credit Loan Rates

Loan Term Rate Type APR as Low as Payment Example
Up to 60 months Fixed Rate 11.850% $131.31

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

1APR 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.  

2Payment example is based on $5,000 for 48 months.  To calculate your estimated payment, please use our payment calculator.

Salary Advance Line of Credit Loan Rates

Loan Term Rate Type APR as Low as Payment Example
Up to 90 days Fixed Rate 17.750% $34.32

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

1There will be a $25 participation fee charged annually to maintain the Salary Advance Line of Credit.

2APR refers to Annual Percentage Rate.

3Payment example is based on $100 for 90 days.  To calculate your estimated payment, please use our payment calculator.

Student Line of Credit Loan Rates

Loan Term Rate Type APR as Low as Payment Example
132 Months Fixed Rate 4.400% $113.80
168 months Fixed Rate 4.900% $114.93
192 months Fixed Rate 5.400% $116.06
252 months Fixed Rate 5.900% $117.20

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

1Term listed is repayment period beginning six months after graduation.

2APR refers to Annual Percentage Rate. Your rate may be higher depending on credit history, underwriting criteria, loan amount and school accreditation. Certain restrictions may apply.

3Payment example is based on $5,000 for 48 months. The minimum monthly payment is $100. To calculate your estimated payment, please use our payoff calculator.

Student Consolidation Loan Rates

Loan Term Rate Type APR as Low as Payment Example
Up to 60 months Fixed Rate 4.750% $114.59
Up to 84 months Fixed Rate 5.10% $115.38
Up to 180 months Fixed Rate 5.750% $116.86
Up to 216 months Fixed Rate 6.250% $118.01
Up to 240 months Fixed Rate 6.750% $119.15
Up to 300 months Fixed Rate 7.250% $120.32

Rates accurate as of June 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 $5,000 for 48 months. To calculate your estimated payment, please use our payoff calculator.

Mortgage Loan Rates

Fixed Rate Mortgage Rates

Term Rate APR Points
15 Year Fixed 6 6.307 1.000%
30 Year Fixed 6.5 6.689 1.000%

Rates accurate as of June 14, 2024 and are subject to change.

All rates are subject to change without notice and will be based on your credit history, down payment amount, property type, loan purpose, etc.

1Rates are based on a purchase transaction with a 20% down payment.

2APR is based on $100,000 loan amount for an 80% LTV purchase and reflects any pre-paid finance charge.

First Time Home Buyers Rates

Term Rate APR Points
30 Year Fixed First Time Home Buyers 7.75 7.853

Rates accurate as of June 14, 2024 and are subject to change.

All rates are subject to change without notice and will be based on your credit history, down payment amount, property type, loan purpose, etc.

1Rates are based on a purchase transaction with a 0% down payment.

2APR is based on $100,000 loan amount for a 105% LTV purchase and reflects any pre-paid finance charge.

Adjustable Rate Mortgage Rates

Term Rate APR Points
5/1 ARM 5.625% 7.341% 1.000%
7/1 ARM 5.875% 7.149% 1.000%

Rates accurate as of June 14, 2024 and are subject to change.

All rates are subject to change without notice and will be based on your credit history, down payment amount, property type, loan purpose, etc.

1Rates are based on a purchase transaction with a 20% down payment.

2APR is based on $100,000 loan amount for an 80% LTV purchase and reflects any pre-paid finance charge.

Home Equity Loan Rates

Term Rate APR Points
5 Year Fixed 6.500% 6.675%
10 Year Fixed 7.000% 7.094%
15 Year Fixed 7.250% 7.318%

Rates accurate as of June 14, 2024 and are subject to change.

All rates are subject to change without notice and will be based on your credit history, down payment amount, property type, loan purpose, etc. APR is based on $30,000 loan amount for an 80% LTV. Rates current for East Tennessee; SW Virginia, and Texas areas. Property Insurance is required.

Home Equity Line of Credit Rates

Term Rate APR Points
15 Year Adjustable 8.500% 8.500%
20 Year Interest Only (First 10 Years)* 8.500% 8.500%

Rates accurate as of June 14, 2024 and are subject to change.

All rates are subject to change without notice and will be based on your credit history, down payment amount, property type, loan purpose, etc. Assumes use of tax assessment. The maximum APR for Variable Rate HELOCs is 18%. HELOC Interest Rate Floor is 3.500% for East Tennessee; and SW Virginia areas. Property Insurance is required.
*First 10 years is the draw period, the second 10 years is the repayment period. 

Credit Card Rates

Credit Card Rates

Card Types Rate Type APR Minimum Limit Annual Fee Purchase Fee Balance Transfer Fee Cash Advance Fee Rewards Program Other Important Info
Platinum Preferred Fixed 9.90% $2,500 None None None None For every dollar spent (purchases only), you earn one point toward various gift items and travel services. Eligibility based on previous lending history.
Cash Rewards Fixed 12.90% - 17.90% $1,000 None None None None Cash Rewards of at least 1% of net purchases. Available in $25 increments. ECU will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account.
Classic Variable 13.00% - 18.00% $500 None None None None None Based on Prime Rate Plus a margin based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Your interest rate may change.
Classic Fixed 10.90% - 18.00% $500 None None None None None ECU will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account.
Visa Secure Fixed 10.90% - 18.00% Minimum limit $300, Maximum limit $2,500 None None None None None ECU will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Visa Secure Card requires a Credit Builder Sec Visa Pledge Account. Application is not available online.

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

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

Investment & Retirement Rates

Investment Certificate Rates

Investment Certificate Terms Minimum Amount APY1 Dividend Rate Jumbo APY1 ($100k Minimum) Jumbo Dividend Rate ($100k minimum) Early Withdrawal Penalty
30 to 89 days $2,500 Minimum 2.34% 2.32% 2.40% 2.37% The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
90 to 179 days $2,500 Minimum 2.34% 2.32% 2.40% 2.37% The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
180 to 364 days $2,500 Minimum 5.00% 4.89% 5.05% 4.94% 90 Days' Dividends
Lifeline Savers Certificate (365 days) $100 3.00% 2.96% N/A N/A 90 Days' Dividends
HSA Certificate (365 Days) $1,000 Minimum 4.75% 4.65% N/A N/A 90 Days' Dividends
1 to 2 Years (365 to 729 days) $1,000 Minimum 5.35% 5.22% 5.40% 5.27% 90 Days' Dividends
2 to 3 Years (730 to 1094 days) $1,000 Minimum 4.40% 4.31% 4.45% 4.36% 180 Days' Dividends
3 to 4 Years (1095 to 1460 days) $1,000 Minimum 4.50% 4.41% 4.55% 4.46% 180 Days' Dividends
4 to 5 Years (1461 to 1825 days) $1,000 Minimum 4.60% 4.51% 4.65% 4.55% 180 Days' Dividends
5 Years (1826 days) $1,000 Minimum 4.70% 4.60% 4.75% 4.65% 180 Days' Dividends
6 Years (2,191 days) $1,000 Minimum 4.80% 4.70% 4.85% 4.75% 365 Days' Dividends

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

1APY refers to annual percentage yield and is subject to change at the discretion of Eastman Credit Union with the exception of the share account which is determined by the credit union board of directors. APY assumes dividends will remain on deposit until maturity. APY is an annual calculation based on 365 days (366 days in a leap year). A penalty will be imposed for early withdrawal. Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. The APY shown for all non-term share accounts is accurate as of the last dividend declaration date. Dividends are paid monthly on all accounts. Dividends earned on all accounts may be transferred to another account at ECU. You may elect to receive a check only for dividends earned on investment certificates.

IRA Rates

Account Annual Percentage Yield Dividend Rate
Accumulation Account ($5.00 Minimum) 0.3000% 0.3000%
Access Account ($10,000 Minimum) 0.2500% 0.2500%

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

Investment Certificates are also available for IRAs. Please refer to the Investment Certificate Ratesfor current rates.

1APY refers to annual percentage yield and is subject to change at the discretion of Eastman Credit Union with the exception of the share account which is determined by the credit union board of directors. APY assumes dividends will remain on deposit. APY is an annual calculation based on 365 days (366 days in a leap year). Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. APY shown is accurate as of the last dividend declaration date. Dividends are paid monthly on all accounts. Dividends earned on all accounts may be transferred to another account at ECU. Checks are not issued for dividends earned on these account types.