Rates
Deposit Rates
Rates effective as of December 1, 2024
Savings Account
Account Type | APY | Dividend Rate |
---|---|---|
Share Savings
Minimum Opening Balance: $5.00 |
0.05% | 0.05% |
Holiday Savings Account | 0.05% | 0.05% |
IRA Savings
Minimum Opening Balance: $5.00 |
0.05% | 0.05% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Min. Balance to earn the stated APY: $200
-
Balance Method: Daily Balance
-
Account Limitations: Account Transfer and Withdrawal Limitations Apply
Checking Account
Account Type | Dividend Rate | APY |
---|---|---|
Dividend Checking | 0.05% | 0.05% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Min. Balance to avoid service fee: $500
- Min. Balance to earn the stated APY: $200
-
Minimum Opening Deposit: $25.00
-
Balance Method: Daily Balance
Certificate
Term | Dividend Rate | APY |
---|---|---|
5 Month Special Rate
Limited Time Only. |
4.554% | 4.65% |
6 Month | 3.832% | 3.90% |
12 Month | 3.928% | 4.00% |
24 Month | 3.687% | 3.75% |
36 Month | 3.542% | 3.60% |
48 Month | 3.445% | 3.50% |
60 Month | 3.348% | 3.40% |
84 Month | 3.251% | 3.30% |
- Minimum Deposit: $500.00
- Dividend Period: Calendar Month
- Dividends Compounded and Credited: Monthly
Money Market
Account Balance | Dividend Rate | APY |
---|---|---|
$1,000.00 – $9,999.00 | 1.490% | 1.50% |
$10,000.00 – $24,999.00 | 1.736% | 1.75% |
$25,000+ | 1.982% | 2.00% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Minimum Balance To Avoid Service Fee: None
- Balance Method: Daily Balance
- Account Limitations: Account Transfer and Withdrawal Limitations Apply
- Minimum Opening Deposit: $1,000.00
- Minimum Balance to Earn Stated APY: $1,000.00
IRA Savings
Account Type | Dividend Rate | APY |
---|---|---|
IRA | 0.05% | 0.05% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Min. Balance to avoid service fee: None
- Min. Balance to earn the stated APY: $200
- Minimum Opening Deposit: $5.00
- Balance Method: Daily Balance
- Account Limitations: Account Transfer and Withdrawal Limitations Apply
IRA Certificate
Term | Dividend Rate | APY |
---|---|---|
5 Month Special Rate
Limited Time Only. |
4.554% | 4.65% |
6 Month | 3.832% | 3.90% |
12 Month | 3.928% | 4.00% |
24 Month | 3.687% | 3.75% |
36 Month | 3.542% | 3.60% |
48 Month | 3.445% | 3.50% |
60 Month | 3.348% | 3.40% |
84 Month | 3.251% | 3.30% |
- Minimum Deposit: $500.00
- Dividend Period: Calendar Month
- Dividends Compounded and Credited: Monthly
Health Savings Account
Account Balance | Dividend Rate | APY |
---|---|---|
$0 – $999 | 0.250% | 0.25% |
$1,000 – $9,999 | 0.499% | 0.50% |
$10,000 – $24,999 | 0.747% | 0.75% |
$25,000+ | 0.995% | 1.00% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Minimum Balance To Earn Stated APY: $1.00
- Balance Method: Daily Balance
Club Savings Account (ABC & Teen)
Account Balance | Dividend Rate | APY |
---|---|---|
$1.00 | 0.05% | 0.05% |
- Dividends Compounded: Monthly
- Dividends Credited: Monthly
- Dividend Period: Calendar Month
- Minimum Balance to Earn State APY: $1.00
- Balance Method: Daily Balance
- Account Limitations: Account Transfer and withdrawal limitations apply.
- ABC Club Account - Maturity on the Member's 13th Birthday.
- Teen Club Account - Maturity on the Member's 18th Birthday.
APY: Annual Percentage Yield
Loan Rates
Rates effective as of December 1, 2024
Auto
Fixed rate
Model Year/Term | APR |
---|---|
2025-2024 up to 66 months | As low as 5.74% |
2023-2021 up to 66 months | As low as 5.74% |
2020-2018 up to 66 months | As low as 6.49% |
APRs shown are based on a $25,000 loan with a $130 application fee. Other rates and terms are available.
RV, Watercraft, Travel Trailers & Motorcycles
Fixed rate
Loan Amount/Term | APR |
---|---|
$70,000-$100,000 / 120 Months | As low as 7.49% |
$50,000-$69,999 / 120 months | As low as 7.24% |
$50,000-$69,000 / 84 months | As low as 6.99% |
$25,000-$49,999 / 72 months | As low as 6.74% |
$20,000-$24,999 / 60 months | As low as 6.49% |
$1,000-$19,999 / 12-48 months | As low as 6.49% |
Older models add .50% to the above rates.
Credit Builder Loan
Term | APR |
---|---|
Up to 12 Months
Maximum $2000 |
7.75% (Variable Prime) |
Personal Loan
Fixed rate
Loan Amount/Term | APR |
---|---|
$1,000-$2,499 / up to 24 months | As low as 9.99% |
$2,500 – $4,999 / up to 36 months | As low as 9.99% |
$5,000-$7,499 / up to 48 months | As low as 9.99% |
$7,500+ / up to 60 months | As low as 9.99% |
Home Improvement Loan
Fixed rate
Loan Amount/Term | APR |
---|---|
$1,000 – $15,000 / Up to 84 months | As low as 9.49% |
Debt Consolidation
Loan Amount/Term | APR |
---|---|
$1,000-$2,499 / up to 24 Months | As low as 9.99% |
$2,500 – $4,999 / up to 36 Months | As low as 9.99% |
$5,000-$7,499 / up to 48 Months | As low as 9.99% |
$7,500 and over / up to 60 Months | As low as 9.99% |
Continuing Education Loan
Term | APR |
---|---|
Maximum Term 60 months | 10.75% (Variable Prime+3%) |
Stretch Pay Loan
Loan Amount | APR |
---|---|
$1,000 Limit
($95 Annual Fee) |
18.00% |
Visa® Credit Cards
Card Type | Credit Limit | APR |
---|---|---|
Rewards First Visa® Platinum Card
This APR will vary with the market based on the Prime Rate. Rate is calculated by adding 8.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000. |
Up to $30,000 | As low as 16.49% |
Visa® Platinum Card
This APR will vary with the market based on the Prime Rate. Rate is calculated by adding 5.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000. |
Up to $30,000 | As low as 13.49% |
Home Equity Loans and Lines of Credit
We offer flexible rates and a variety of terms for this loan. Please contact us at 614-221-9376 option 2, visit us at one of our two branches or email us at Loans@educu.org.
Loan to Value | APR |
---|---|
80% or Less | As Low As (Prime) 7.75% |
APR: Annual Percentage Rate
APY: Annual Percentage Yield
Rate, Terms and conditions subject to change without notice. Subject to credit approval. Rate may vary based on credit worthiness.