Rates

New and Used Auto Loan Special 1.99% for Qualified Buyers 

We will match up to 1.00% APR on competitor rates!

Titled Vehicles
Effective Date: Friday, April 16th, 2021
Credit ScoreNew Vehicles*Used Vehicles*
730 - + 1.99% APR 1.99% APR
680 - 729 3.49% APR 3.49% APR
640 - 679 5.99% APR 5.99% APR
600 - 639 7.99% APR 7.99% APR
550 - 599 10.99% APR 10.99% APR
549 & below 12.99% APR 12.99% APR
*APR = Annual Percentage Rate

*Rates based on 60 month term. 72/84 month term add 1% APR.

80% of retail on vehicles 10 years & older - Financing up to 60 Months

100% of retail on vehicles 10 years & under - Finacing up to 72 months

Financing up to 84 months on vehicles over $30,000 and two years or newer.

Boats & RVs
Effective Date: Friday, April 16th, 2021
Credit ScoreAPR*
730 - + 3.49%
680 - 729 4.99%
640-679 5.99%
600-639 7.99%
550-599 10.99%
549 & below 12.99%
Up to 60 months financing on loans $25,000 & under
Up to 120 months financing on loans over $25,000.00. Add 1% APR for terms greater than 60 months.

Payment Example:

3.49% APR at 60 months = $18.19 per $1,000

4.49% APR at 120 months = $10.37 per $1,000

Unsecured Loans - Closed End
Effective Date: Friday, April 16th, 2021
Credit ScoreAPR*Term
730 - + 8.00%  
680 - 729 10.00%  
640 - 679 12.00%  
600 - 639 14.00%  
550 - 599 16.00%  
549 and below 18.00%  
*APR = Annual Percentage Rate

* Maximum - $ 5,000.00   Maximum term: 48 months

*Changes to your employment status and/or your annual income will result in the reduction or elimination or your existing (line-of-credit) Signature Loan. Income verification will be required every three years.

Unsecured Loans - Open Line of Credit
Effective Date: Friday, April 16th, 2021
Credit ScoreAPR*Term
730 - + 8.00%  
680 - 729 10.00%  
640 - 679 12.00%  
600 - 639 14.00%  
550 - 599 16.00%  
549 and below 18.00%  
*APR = Annual Percentage Rate

 

* Maximum - $ 5,000.00   Maximum term: 48 months

*Changes to your employment status and/or your annual income will result in the reduction or elimination or your existing (line-of-credit) Signature Loan. Income verification will be required every three years.

 

Savings Rates

Savings Rates
Effective Date: Friday, April 16th, 2021
AmountRateAPY**
$101.00 & over 0.05% 0.05%
IRA 0.10% 0.10%
Christmas Club 0.10% 0.10%

*Fees may reduce earnings on accounts

*APR=Annual Percentage Rate. **APY=Annual Percentage Yield. Dividend rates & APY may change quarterly as approved by the Board of Directors. The savings account is a tier-rate account. Dividends are paid on the average daily balance corresponding to the applicable savings balance tier.

Disclaimer - The "Assumptions" link above is an external website located on another server.  Eastpointe Community Credit Union has no responsibility for any external Web site.  It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. Thank you for visiting Eastpointe Community Credit Union.

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