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Espeeco Federal Credit Union

Loan Rates Effective June 1, 2018


Loan Rates (Fixed) Term Details APR
SIGNATURE $5,000.00 AND UNDER
36 MONTHS
12.25% - 15.25%
SIGNATURE PLUS $5,001.00 TO $10,000.00
60 MONTHS
13.25% - 14.25%
A AND B CREDIT SCORES ONLY
SHARE SECURED 120 MONTHS 3.25%
NEW AUTO UP TO $65,000.00
84 MONTHS
2.74% - 5.49%
USED AUTO
(LESS THAN 10 YEARS OLD)
UP TO $45,000.00
72 MONTHS
3.24% - 6.49%
STARTER LOAN UP TO $1,000.00
FOR 12 MONTHS
16.25%
STOCK TRAILER UP TO $20,000.00
48 MONTHS
10.25% - 13.25%
NEW RV UP TO $50,000.00
120 MONTHS
7.74% - 10.74%
USED RV UP TO $30,000.00
96 MONTHS
8.24% - 11.24%
NEW MOTORHOME UP TO $60,000.00
120 MONTHS
7.74% - 10.74%
USED MOTORHOME UP TO $35,000.00
96 MONTHS
8.24% - 11.24%
NEW BOAT UP TO $35,000.00
72 MONTHS
7.74% - 10.74%
USED BOAT UP TO $30,000.00
60 MONTHS
8.24% - 11.24%
NEW MOTORCYCLE UP TO $25,000.00
60 MONTHS
7.74% - 10.74%
USED MOTORCYCLE UP TO $20,000.00
48 MONTHS
8.24% - 11.24%
ATV, JET SKI, SNOW MOBILE $3,000.00 -$5,999.99 36 MONTHS
$6,000.00-$9,000.00 48 MONTHS
10.25% - 13.25%
PAYDAY LOANS
3 MONTHS OF DIRECT DEPOSIT REQUIRED
$100.00 - $600.00
AUTO PAY ON NEXT SCHEDULED DIRECT DEPOSIT
10% PROCESSING FEE DUE AT THE TIME OF LOAN
CO-MAKER SIGNATURE $5,000.00 AND UNDER
36 MONTHS
12.25% - 15.25%
APY (Annual Percentage Yield). APR (Annual Percentage Rate

RATES EFFECTIVE JUNE 1, 2018

Shares Rates
Effective April 1, 2016

Regular Shares *APR *APY
$250.00 - $1,499.99 .15% .15%
$1,500.00 - $4,999.99 .15% .15%
$5,000.00 - $9,999.99 .15% .15%
$10,000.00 and up .15% .15%
Traditional IRA .40% .40%
Roth IRA .40% .40%
Educational IRA .40% .40%
Holiday Club Account
(max deposit $2,500.00)
.15% .15%
Kids Share Account
(up to age 15)
*APR *APY
$25.00 - $2,499.99 .15% .15%
$2500.00 - $4,999.99 .15% .15%
$5000.00 and up .15% .15%
Time Certificates *APR *APY
3 month     $1,000.00 and up .20% .20%
6 month     $1,000.00 and up .25% .25%
9 month     $1,000.00 and up .30% .30%
12 month   $1,000.00 and up .30% .30%

Dividends are computed on the daily balance and posted quarterly.
All loan rates and terms are subject to the existing policy.
Rates are subject to change without prior notice.