Loan Rates
Mortgage Loans
First Mortgage Fixed*
ARM Rates**
Rates accurate as of November 15, 2019 | Rates include Extra Credit Discount.| Term | Rate | APR |
|---|---|---|
| 3/1 ARM | 2.875% | 2.974% |
| 5/1 ARM | 3.000% | 3.094% |
| 7/1 ARM | 3.250% | 3.336% |
| 10/1 ARM | 3.375% | 3.456% |
| 5/1 Simple Solutions ARM | 3.250% | 3.336% |
| 7/1 Simple Solutions ARM | 3.500% | 3.575% |
| 10/1 Simple Solutions ARM | 3.625% | 3.695% |
Second Mortgage Fixed
Rates accurate as of November 15, 2019| UP TO 80% LOAN-TO-APPRAISED VALUE. | ||
|---|---|---|
| Term | Rate | APR |
| 5 Year | 3.990% | 4.006% |
| 10 Year | 4.490% | 4.499% |
| 15 Year | 4.990% | 4.996% |
| 81% TO 95% LOAN-TO-APPRAISED VALUE. | ||
| Term | Rate | APR |
| 5 Year | 4.990% | 5.006% |
| 10 Year | 5.490% | 5.499% |
| 15 Year | 5.990% | 5.996% |
Auto Loans4
Loan Rate Discount
Receive 1/4% APR off your new personal or auto loan when you have select ETFCU checking accounts.
New / Used Auto
Rates accurate as of November 15, 2019| Model Year | Term | APR as low as |
|---|---|---|
| New - 2017 | Up to 63 Months | 3.50% |
| 66 Months | 3.80% | |
| 72 Months | 4.10%^ | |
| 75 Months | 4.30%^ | |
| 84 Months | 4.80%† | |
| 2016 | 63 Months | 4.00% |
| 66 Months | 4.30% | |
| 72 Months | 4.50%^ | |
| 75 Months | 4.55%^ | |
| 84 Months | 6.00%† |
Used Auto
| Model Year | Term | APR as low as |
|---|---|---|
| 2015 | Up to 63 Months | 4.20% |
| 66 Months | 4.30% | |
| 72 Months | 4.70%^ | |
| 75 Months | 4.80%^ | |
| 2014 | 63 Months | 4.40% |
| 66 Months | 4.50%^ | |
| 72 Months | 4.95%^ | |
| 75 Months | 5.20%^ | |
| 2013 | 63 Months | 4.50% |
| 66 Months | 5.19% | |
| 72 Months | 5.24%^ | |
| 2012 - Older | 63 Months | 5.25% |
| 66 Months | 5.64% |
Motorcycle
Rates accurate as of November 15, 2019| Model Year | Term | APR as low as |
|---|---|---|
| New - 2017 | Up to 63 Months | 5.15% |
| 66 Months | 5.40% | |
| 72 Months | 5.55%^ | |
| 75 Months | 5.80%^ | |
| 84 Months | 6.85%† | |
| 2016 | 63 Months | 5.30% |
| 66 Months | 5.65% | |
| 72 Months | 5.80%^ | |
| 2015 | 63 Months | 5.80% |
| 66 Months | 6.20% | |
| 2014 | 63 Months | 6.20% |
| 2013 | 63 Months | 6.40% |
| 2012 - Older | 60 Months | 7.45% |
Recreational Vehicle / Watercraft
Rates accurate as of November 15, 2019| Model Year | Term | APR as low as |
|---|---|---|
| New - 2017 | Up to 63 Months | 5.15% |
| 66 Months | 5.40% | |
| 72 Months | 5.55%^ | |
| 75 Months | 5.80%^ | |
| 84 Months | 6.85%† | |
| 96 Months | 7.85%† | |
| 120 Months | 8.60%† | |
| 144 Months | 9.85%‡ | |
| 2016 | 63 Months | 5.30% |
| 66 Months | 5.65% | |
| 72 Months | 5.80%^ | |
| 75 Months | 6.00%^ | |
| 84 Months | 6.90%† | |
| 2015 | 63 Months | 5.80% |
| 66 Months | 6.20% | |
| 72 Months | 6.50%^ | |
| 75 Months | 6.75%^ | |
| 2014 | 63 Months | 6.20% |
| 66 Months | 6.25%^ | |
| 72 Months | 6.55%^ | |
| 75 Months | 6.85%^ | |
| 2012 | 63 Months | 6.40% |
| 66 Months | 6.80% | |
| 72 Months | 7.10%^ | |
| 2012 - Older | 60 Months | 7.45% |
| 72 Months (RV Only) | 9.20%^ |
Personal Loans
Loan Rate Discount
Receive 1/4% APR off your new personal or auto loan when you have select ETFCU checking accounts.
Personal Loans
Rates accurate as of November 15, 2019| Term | APR |
|---|---|
| 12 Months | 7.84% |
| 24 Months | 8.34% |
| 36 Months | 8.84% |
| 1 Payment | 10.34% |
| 48 Months ($2,500 +) | 9.34% |
| 60 Months ($7,500 +) | 10.34% |
Computer and Non-Titled Collateral
Rates accurate as of November 15, 2019| Term | APR as low as |
|---|---|
| 63 Months | 6.80% |
| 66 Months | 7.30% |
| 72 Months | 7.85%# |
Home Improvement
Rates accurate as of November 15, 2019| Term | APR as low as | |
|---|---|---|
| 60 Months | 8.64% | $12,000 maximum |
Share Pledge
Rates accurate as of November 15, 2019| Term | APR as low as | |
|---|---|---|
| Closed-end | 60 Months | 2.06% |
| 120 Months | 3.06% | |
| Line of Credit | N/A | 2.06% |
Line of Credit / Overdraft Protection
Rates accurate as of November 15, 2019| APR as low as |
|---|
| 11.50% |
Certificate Pledge
Rates accurate as of November 15, 2019| 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’s Commercial 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, seven, or ten 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 6, 2019 11:00 am.
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) and 20% down is $590.33. 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. Loan estimate 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.
2Gift card offer is available on financing of purchase or construction loans for primary residences only. Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. Purchase or construction loan amounts of $150,000 or greater will receive a $500 Gift Card. 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.
4Vehicles with 100,000 miles or more are subject to a 0.50% APR rate increase.
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 8/14/2019 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.