Loan Rates
Mortgage Loans
First Mortgage Fixed*
ARM Rates**
Rates accurate as of August 18, 2017 | Rates include Extra Credit Discount.| Term | Rate | APR |
|---|---|---|
| 3/1 ARM | 2.250% | 2.375% |
| 5/1 ARM | 2.500% | 2.615% |
| 7/1 ARM | 2.750% | 2.853% |
| 10/1 ARM | 3.250% | 3.336% |
| 5/1 Simple Solutions ARM | 2.750% | 2.853% |
| 7/1 Simple Solutions ARM | 3.000% | 3.094% |
| 10/1 Simple Solutions ARM | 3.500% | 3.575% |
Second Mortgage Fixed
Rates accurate as of August 18, 2017| 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 Loans
New / Used Auto
Rates accurate as of August 18, 2017| Model Year | Term | APR as low as |
|---|---|---|
| New - 2015 | Up to 63 Months | 3.10% |
| 66 Months | 3.25% | |
| 72 Months | 3.70%^ | |
| 75 Months | 3.85%^ | |
| 84 Months | 4.60%† | |
| 2014 | 63 Months | 3.40% |
| 66 Months | 3.60% | |
| 72 Months | 3.95%^ | |
| 75 Months | 4.15%^ | |
| 84 Months | 5.00%† |
Used Auto
| Model Year | Term | APR as low as |
|---|---|---|
| 2013 | Up to 63 Months | 3.55% |
| 66 Months | 3.70% | |
| 72 Months | 4.10%^ | |
| 75 Months | 4.30%^ | |
| 2012 | 63 Months | 3.80% |
| 66 Months | 4.00%^ | |
| 72 Months | 4.40%^ | |
| 75 Months | 4.60%^ | |
| 2011 | 63 Months | 4.15% |
| 66 Months3.9 | 4.35% | |
| 72 Months | 4.70%^ | |
| 2010 - Older | 63 Months | 5.00% |
| 66 Months | 5.35% |
Motorcycle
Rates accurate as of August 18, 2017| Model Year | Term | APR as low as |
|---|---|---|
| New - 2015 | Up to 63 Months | 3.65% |
| 66 Months | 3.90% | |
| 72 Months | 4.05%^ | |
| 75 Months | 4.25%^ | |
| 84 Months | 5.35%† | |
| 2014 | 63 Months | 3.80% |
| 66 Months | 4.15% | |
| 72 Months | 4.30%^ | |
| 2013 | 63 Months | 4.25% |
| 66 Months | 4.65% | |
| 2012 | 63 Months | 4.40% |
| 2011 | 63 Months | 4.75% |
| 2010 - Older | 60 Months | 5.65% |
Recreational Vehicle / Watercraft
Rates accurate as of August 18, 2017| Model Year | Term | APR as low as |
|---|---|---|
| New - 2015 | Up to 63 Months | 3.65% |
| 66 Months | 3.90% | |
| 72 Months | 4.05%^ | |
| 75 Months | 4.25%^ | |
| 84 Months | 5.35%† | |
| 96 Months | 6.50%† | |
| 120 Months | 7.25%† | |
| 144 Months | 8.50%‡ | |
| 2014 | 63 Months | 3.80% |
| 66 Months | 4.15% | |
| 72 Months | 4.30%^ | |
| 75 Months | 4.40%^ | |
| 84 Months | 5.45%† | |
| 2013 | 63 Months | 4.25% |
| 66 Months | 4.80% | |
| 72 Months | 4.75%^ | |
| 75 Months | 4.90%^ | |
| 2012 | 63 Months | 4.40% |
| 66 Months | 4.80%^ | |
| 72 Months | 4.95%^ | |
| 75 Months | 5.25%^ | |
| 2011 | 63 Months | 4.75% |
| 66 Months | 5.15% | |
| 72 Months | 5.30%^ | |
| 2010 - Older | 60 Months | 5.65% |
| 72 Months (RV Only) | 7.35^ |
Personal Loans
Personal Loans
Rates accurate as of August 18, 2017| Term | APR |
|---|---|
| 12 Months | 6.68% |
| 24 Months | 7.19% |
| 36 Months | 7.69% |
| 1 Payment | 9.19% |
| 48 Months ($2,500 +) | 8.19% |
| 60 Months ($7,500 +) | 9.19% |
Computer and Non-Titled Collateral
Rates accurate as of August 18, 2017| Term | APR as low as |
|---|---|
| 63 Months | 5.20% |
| 66 Months | 5.70%# |
| 72 Months | 6.25%# |
Home Improvement
Rates accurate as of August 18, 2017| Term | APR as low as | |
|---|---|---|
| 60 Months | 7.49% | $12,000 maximum |
Share Pledge
Rates accurate as of August 18, 2017| Term | APR as low as | |
|---|---|---|
| Closed-end | 60 Months | 2.11% |
| 120 Months | 3.11% | |
| Line of Credit | N/A | 2.11% |
Line of Credit / Overdraft Protection
Rates accurate as of August 18, 2017| APR as low as |
|---|
| 11.50% |
Certificate Pledge
Rates accurate as of August 18, 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