Rates
New and Used Auto Loan Special 2.49% for Qualified Buyers
We will match up to 1.00% APR on competitor rates!
| Titled Vehicles | ||
| Effective Date: Sunday, October 2nd, 2022 | ||
| Credit Score | New Vehicles* | Used Vehicles* |
| 730 - + | 2.49% APR | 2.49% APR |
| 680 - 729 | 3.99% APR | 3.99% APR |
| 640 - 679 | 6.99% APR | 6.99% APR |
| 600 - 639 | 8.99% APR | 8.99% APR |
| 550 - 599 | 11.99% APR | 11.99% APR |
| 549 & below | 14.99% APR | 14.99% 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 2019 or newer.
| Boats & RVs | |
| Effective Date: Sunday, October 2nd, 2022 | |
| Credit Score | APR* |
| 730 - + | 3.99% |
| 680 - 729 | 5.99% |
| 640-679 | 6.99% |
| 600-639 | 8.99% |
| 550-599 | 11.99% |
| 549 & below | 13.99% |
| Up to 60 months financing on loans $20,000 & under | |
| Up to 120 months financing on loans between $20,000 and $30,000 | |
| Up to 180 months financing on loans over $30,000. | |
| Add 1% APR for terms greater than 60 months. | |
Payment Example: 3.99% APR at 60 months = $18.42 per $1,000 4.99% APR at 120 months = $10.61 per $1,000 4.99% APR at 180 months = $7.91 per $1,000 | |
| Unsecured Loans - Closed End | ||
| Effective Date: Sunday, October 2nd, 2022 | ||
| Credit Score | APR* | 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: Sunday, October 2nd, 2022
Credit Score APR* 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: Sunday, October 2nd, 2022 | ||
| Amount | Rate | APY** |
| $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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