Rates










IRA Shares | Certificates | Money Market | Loans

REGULAR SHARES - Effective August 20, 2014  Dividend Rate  APY
$     500.00 - $2,499.99  0.10% 0.10%
$  2,500.00 - $4,999.99 0.10% 0.10%
$  5,000.00 - $9,999.99 0.10% 0.10%
$10,000.00 – up 0.10% 0.10%
     

CUB CLUB SHARES - Effective August 20 2014 Dividend Rate

 APY

$                  - $   100.00 0.10% 0.10%
$   100.01    - $   500.00 0.10% 0.10%
$   500.01    - $1,000.00 0.10% 0.10%
$5,000.01    -  up 0.10% 0.10%

IRA SHARES - Effective May1, 2013 Dividend Rate  APY
$100.00  -  up 0.20% 0.20%

CERTIFICATES - Effective May 26, 2015

   Minimum balance to open and earn APY

Dividend Rate APY
3 months                  $    2,000 0.25% 0.25%
6 months                  $    2,000 0.45% 0.451%
12 months                $    2,000 0.50% 0.50%
18 months                $    2,000 0.60% 0.60%
24 months                $    2,000 0.70% 0.70%
36 months                $    2,000 0.90% 0.90%
48 months                $    2,000 1.35% 1.35%
60 months                $    2,000 1.55% 1.55%

MONEY MARKET - Effective Dec 1, 2013 Dividend Rate APY
$     500.00   - $   1,000.00 0.15% 0.15%
$  1,000.01   - $10,000.00 0.15% 0.16%
$10,000.01   - $25,000.00 0.15% 0.15%
$25,000.01   - $50,000.00 0.25% 0.25%
$50,000.01   -  up 0.25% 0.25%

      Loans

LOAN RATE SHEET                                                                            DATE:09/23/2015

   
Auto loans financed up to 100% Loan-to-Value, include tax, license, MBI and GAP waiver.
Term APR**

New and Used Vehicles

36 Months 1.99%**
48 Months 2.99%**
60 Months 2.99%**
72 Months

2.99%**

84 Months 3.49%**

New  and Used Recreational Vehicles      

up to 120 months As low as 6.49%**

Personal Loans   ( Up to $15,000 for Platinum credit score 740+)

up to 48 months As low as 9.49% **
   

Visa   - 6 month intro rate of 3.99%

 Limits of up to $10,000 ** As low as 8.90%**

Line of Credit

  As low as 8.99%**
   
 First Trust Deed and Home Equity Loans  Please call the credit union

 **All Loan Rates are Annual Percentage Rates (APR). Standard rate based on Platinum FICO score 740+. El Monte Community Credit Union has a managed-risk credit program and rates vary based on your individual FICO score. All rates reflect .50% discount with Direct Deposit payment (excluding Visa) Rates are subject to change without notice. 

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