| Loan Rates (Fixed) | Term Details | APR |
|---|---|---|
| SIGNATURE | UP TO $10,000.00 UP TO 60 MONTHS |
11.00% - 15.00% |
| SHARE SECURED | 120 MONTHS $100.00 MINIMUM PAYMENT |
3.50% |
| NEW AUTO | UP TO $90,000.00 UP TO 84 MONTHS |
6.25% - 11.00% |
| USED AUTO (LESS THAN 10 YEARS OLD) |
UP TO $50,000.00 UP TO 72 MONTHS |
6.75% - 12.00% |
| STARTER SIGNATURE LOAN | UP TO $1,000.00 UP TO 12 MONTHS | 15% |
| NEW RV & MOTORHOMES | UP TO $100,000.00 UP TO 120 MONTHS |
7.50% - 11.50% |
| USED RV & MOTORHOMES | UP TO $60,000.00 UP TO 96 MONTHS |
7.75% - 14.00% |
| NEW BOAT | UP TO $50,000.00 UP TO 72 MONTHS |
8.00% - 14.00% |
| USED BOAT | UP TO $40,000.00 UP TO 60 MONTHS |
8.50% - 15.00% |
| NEW MOTORCYCLE | UP TO $40,000.00 UP TO 72 MONTHS |
7.00% - 14.00% |
| USED MOTORCYCLE | UP TO $30,000.00 UP TO 60 MONTHS |
7.25% - 15.00% |
| ATV, UTV, JET SKI, SNOWMOBILE | $3,000.00 TO $40,000.00 UP TO 60 MONTHS |
11.00% - 15.00% |
| PAYDAY LOANS 3 MONTHS DIRECT DEPOSIT REQUIRED |
$100.00 - $600.00 AUTO PAY ON NEXT DIRECT DEPOSIT |
10% PROCESSING FEE DUE AT THE TIME OF LOAN |
| 1ST TIME AUTO BUYER LOAN | UP TO $15,000.00 UP TO 60 MONTHS | 15.00% |
| APY (Annual Percentage Yield). APR (Annual Percentage Rate | ||
| STOCK TRAILER | UP TO $20,000.00 | 11.00% - 15.00% |
Espeeco Federal Credit Union of Bakersfield, CA has 1,500 members and assets of $12 million. The credit union, opened in 1954, has 3 full time employees, or 500 members per employee, compared to a national average of 457.