Loan Rates

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Mortgage Loans

First Mortgage Fixed*

Rates accurate as of December 11, 2017 | Rates include Extra Credit Discount.
TermRateAPR
10 Year3.250%3.344%
15 Year3.375%3.491%
15 Year
(with .250% origination fee)
3.250%3.402%
20 Year3.875%3.967%
20 Year
(with 0.250% origination fee)
3.750%3.870%
30 Year4.000%4.066%
30 Year
(with 0.250% origination fee)
3.875%3.962%

ARM Rates**

Rates accurate as of December 11, 2017 | Rates include Extra Credit Discount.
TermRateAPR
3/1 ARM2.500%2.615%
5/1 ARM2.750%2.853%
7/1 ARM3.000%3.094%
10/1 ARM3.500%3.575%
5/1 Simple Solutions ARM3.000%3.094%
7/1 Simple Solutions ARM3.250%3.336%
10/1 Simple Solutions ARM3.750%3.815%

Second Mortgage Fixed

Rates accurate as of December 11, 2017
UP TO 80% LOAN-TO-APPRAISED VALUE.
TermRateAPR
5 Year3.990%4.006%
10 Year4.490%4.499%
15 Year4.990%4.996%
81% TO 95% LOAN-TO-APPRAISED VALUE.
TermRateAPR
5 Year4.990%5.006%
10 Year5.490%5.499%
15 Year5.990%5.996%

Auto Loans

Loan Rate Discount

Receive 1/4% APR off your new personal or auto loan when you have select ETFCU checking accounts.

Click here to learn more

New / Used Auto

Rates accurate as of December 8, 2017
Model YearTermAPR as low as
New - 2015Up to 63 Months3.20%
66 Months3.35%
72 Months3.80%^
75 Months4.00%^
84 Months4.70%†
201463 Months3.50%
66 Months3.70%
72 Months4.05%^
75 Months4.30%^
84 Months5.10%†

Used Auto

Model YearTermAPR as low as
2013Up to 63 Months3.70%
66 Months3.85%
72 Months4.25%^
75 Months4.50%^
201263 Months4.05%
66 Months4.25%^
72 Months4.65%^
75 Months4.85%^
201163 Months4.40%
66 Months4.60%
72 Months4.95%^
2010 - Older63 Months5.50%
66 Months5.85%

Motorcycle

Rates accurate as of December 8, 2017
Model YearTermAPR as low as
New - 2015Up to 63 Months3.75%
66 Months4.00%
72 Months4.15%^
75 Months4.40%^
84 Months5.45%†
201463 Months3.90%
66 Months4.25%
72 Months4.40%^
201363 Months4.40%
66 Months4.80%
201263 Months4.65%
201163 Months5.00%
2010 - Older60 Months6.05%

Recreational Vehicle / Watercraft

Rates accurate as of December 8, 2017
Model YearTermAPR as low as
New - 2015Up to 63 Months3.75%
66 Months4.00%
72 Months4.15%^
75 Months4.40%^
84 Months5.45%†
96 Months6.50%†
120 Months7.25%†
144 Months8.50%‡
201463 Months3.90%
66 Months4.25%
72 Months4.40%^
75 Months4.65%^
84 Months5.55%†
201363 Months4.40%
66 Months4.80%
72 Months4.95%^
75 Months5.20%^
201263 Months4.65%
66 Months4.90%^
72 Months5.15%^
75 Months5.40%^
201163 Months5.00%
66 Months5.25%
72 Months5.55%^
2010 - Older60 Months6.05%
72 Months (RV Only)7.85%^

Personal Loans

Loan Rate Discount

Receive 1/4% APR off your new personal or auto loan when you have select ETFCU checking accounts.

Click here to learn more

Personal Loans

Rates accurate as of December 8, 2017
TermAPR
12 Months6.69%
24 Months7.19%
36 Months7.69%
1 Payment9.19%
48 Months ($2,500 +)8.19%
60 Months ($7,500 +)9.19%

Computer and Non-Titled Collateral

Rates accurate as of December 8, 2017
TermAPR as low as
63 Months5.45%
66 Months5.95%
72 Months6.50%#

Home Improvement

Rates accurate as of December 8, 2017
TermAPR as low as 
60 Months7.49%$12,000 maximum

Share Pledge

Rates accurate as of December 8, 2017
 TermAPR as low as
Closed-end60 Months2.11%
120 Months3.11%
Line of CreditN/A2.11%

Line of Credit / Overdraft Protection

Rates accurate as of December 8, 2017
APR as low as
11.50%

Certificate Pledge

Rates accurate as of December 8, 2017
APR
2.00% above the pledged certificate rate

Student Loans

When scholarships, grants, and federal aid aren’t enough, private student loans can be a necessary and cost-effective way to fill educational funding gaps. Click here to learn more about financing your education through ETFCU.

Member Business Loans

Our Commercial Banking Group is committed to maintaining the high level of personal service that you expect from your credit union. Loans are available to qualifying businesses for numerous purposes. For current rates or more information about member business loans, contact ETFCU’sCommercial Banking Group by e-mail, or by phone at (812) 469-9932 or 1-800-800-9271.

*90% financing available.

**An ARM is an adjustable-rate mortgage (ARM) that has an initial interest rate for the first three, five, or seven years and an adjustment interval of one year thereafter. The Simple Solutions mortgage program features fewer costs and a smaller down payment than FHA loans.

^$12,000 minimum

†$20,000 minimum

‡$30,000 minimum

#72 month loans have a minimum loan amount of $12,000

Click here for a list of our employees registered through the Nationwide Mortgage Licensing System (NMLS) as of November 27, 2017 12:43 pm.

Loans are subject to credit review and approval. Closing costs may apply. A sample principal and interest payment on a (30)-year $150,000 fixed rate loan amount with a 4.250% interest rate (4.317% APR) is $737.91. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Actual interest rate may vary based on credit history. Visit etfcu.org/mortgagecalculator to calculate payments with other terms, balances, or rates.

1Rate Match Guarantee available for new purchases and refinanced first mortgage loans of primary residences with conventional conforming financing. Certain product exclusions may apply. Offer valid only for lenders compared in a physical location within 50 miles of any ETFCU office. Good Faith Estimate (GFE) and Truth in Lending (TIL) Disclosure from competing lender must be dated and received within three calendar days prior to locking your interest rate at ETFCU. The terms of the competing loan must be identical to ETFCU’s loan. If the loan does not close within the commitment period, the rate match may be voided. This offer is subject to credit approval and may change or terminate without notice. Offer is not applicable to government loans, including FHA, USDA, and VA financing. Rate includes Extra Credit Mortgage discount. Contact an ETFCU mortgage loan officer for further details.

2Purchase Plus $500 Visa Gift Card offer is available on conventional conforming financing of purchases for primary residences only. Offer is not applicable to government loans, including FHA, USDA, and VA financing. Not valid in combination with any other offer.

3Discount available on conventional conforming financing of purchases for primary residences only. Offer available for new primary mortgage loans and mortgage loans already established at ETFCU when refinanced with at least $10,000 new money. Closing costs may apply. ETFCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial. Certain product exclusions may apply. Contact an ETFCU mortgage loan officer for further details.

SmartMove Mortgage is subject to credit approval. No closing cost offer is available on first mortgage refinance transactions with 80% maximum loan-to- value. Standard closing costs apply to existing ETFCU mortgages refinanced within the last 12 months. Additional costs may apply if escrow and /or title insurance are required. Not available on manufactured homes. Actual interest rate may vary based on credit history. Rates and conditions are effective as of 6/23/2016 and are subject to change daily. Based on a $100,000 loan on a 180 month term, monthly payments at 3.290% with no closing costs would be $702.75 per month and a 3.250% APR. The rate cannot be locked until application approval. Property insurance required. Other restriction may apply. Equal Housing Lender.