Loan Rates

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Mortgage Loans

First Mortgage Fixed*

Rates accurate as of June 26, 2017 | Rates include Extra Credit Discount.
TermRateAPR
15 Year3.125%3.240%
15 Year
(with .250% origination fee)
3.000%3.151%
20 Year3.625%3.716%
20 Year
(with 0.250% origination fee)
3.500%3.619%
30 Year3.875%3.941%
30 Year
(with 0.500% origination fee)
3.750%3.857%

ARM Rates**

Rates accurate as of June 26, 2017 | Rates include Extra Credit Discount.
TermRateAPR
3/1 ARM2.250%2.375%
5/1 ARM2.500%2.615%
7/1 ARM2.750%2.853%
10/1 ARM3.250%3.336%
5/1 Simple Solutions ARM2.750%2.853%
7/1 Simple Solutions ARM3.000%3.094%
10/1 Simple Solutions ARM3.500%3.575%

Second Mortgage Fixed

Rates accurate as of June 26, 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

New / Used Auto

Rates accurate as of June 23, 2017
Model YearTermAPR as low as
New - 2015Up to 63 Months3.10%
66 Months3.25%
72 Months3.70%^
75 Months3.85%^
84 Months4.60%†
201463 Months3.40%
66 Months3.60%
72 Months3.95%^
75 Months4.15%^
84 Months5.00%†

Used Auto

Model YearTermAPR as low as
2013Up to 63 Months3.55%
66 Months3.70%
72 Months4.10%^
75 Months4.30%^
201263 Months3.80%
66 Months4.00%^
72 Months4.40%^
75 Months4.60%^
201163 Months4.15%
66 Months3.94.35%
72 Months4.70%^
2010 - Older63 Months5.00%
66 Months5.35%

Motorcycle

Rates accurate as of June 23, 2017
Model YearTermAPR as low as
New - 2015Up to 63 Months3.65%
66 Months3.90%
72 Months4.05%^
75 Months4.25%^
84 Months5.35%†
201463 Months3.80%
66 Months4.15%
72 Months4.30%^
201363 Months4.25%
66 Months4.65%
201263 Months4.40%
201163 Months4.75%
2010 - Older60 Months5.65%

Recreational Vehicle / Watercraft

Rates accurate as of June 23, 2017
Model YearTermAPR as low as
New - 2015Up to 63 Months3.65%
66 Months3.90%
72 Months4.05%^
75 Months4.25%^
84 Months5.35%†
96 Months6.50%†
120 Months7.25%†
144 Months8.50%‡
201463 Months3.80%
66 Months4.15%
72 Months4.30%^
75 Months4.40%^
84 Months5.45%†
201363 Months4.25%
66 Months4.80%
72 Months4.75%^
75 Months4.90%^
201263 Months4.40%
66 Months4.80%^
72 Months4.95%^
75 Months5.25%^
201163 Months4.75%
66 Months5.15%
72 Months5.30%^
2010 - Older60 Months5.65%
72 Months (RV Only)7.35^

Personal Loans

Personal Loans

Rates accurate as of June 23, 2017
TermAPR
12 Months6.68%
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 June 23, 2017
TermAPR as low as
63 Months5.20%
66 Months5.70%#
72 Months6.25%#

Home Improvement

Rates accurate as of June 23, 2017
TermAPR as low as 
60 Months7.49%$12,000 maximum

Share Pledge

Rates accurate as of June 23, 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 June 23, 2017
APR as low as
11.50%

Certificate Pledge

Rates accurate as of June 23, 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