Empire Federal Credit Union Loan Rates

Empire Federal Credit Union
Loan Rates

Please note: All rates stated are annual percentage rates

Fixed Rate Loans
Secured and Signature Loans
Variable Rate Loans
Credit Cards

Fixed Rate Loans
Up to 66 Months 67 to 84 Months
(over $20,000)
New Vehicle ('00 & '01) 1,2 As low as 6.99% As low as 7.99%
Used Vehicle ('97 - '99) 1,2 As low as 7.49% As low as 8.49%
Used Vehicle ('94 '95 '96) 1,2 Up to 36 mos.
As low as 9.49%
37 to 60 mos.
10.49%
Used Vehicle ('93 & older) 1 Up to 36 mos.
As low as 9.99%
37 to 60 mos.
used '93 & older
Harley Davidson Cycles (unless antique)
10.49%

New/Used '94 - '01 Boat, Lg. RV

Up to 144 mos.
As low as 10.24%
'93 & Older Boat, Lg. RV

Up to 144 mos.
As low as 10.49%

Call the Mortgage Department for: Equity, Home Equity Line of Credit, Home Improvement and Mortgage Rates 477-2200 ext.352 or 1(800) 462-5000 ext.352

Secured and Signature Loans
Up to 60 Months 61 to 120 Months

Share Secured 1

As low as 6.40%

As low as 7.40%

Stock Secured 1

As low as 7.40%

As low as 8.40%

Signature 1

As low as 11.90%

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Variable Rate Loans

Line of Credit

15.25%

Credit Cards

Annual Percentage Rate

Balance Calculation Method

Annualized Membership Fee

Grace Period For Purchases

Cash Advance Fee, Late Fee, and Over The Limit Fee

VISA Gold Card

12.9%

Average Daily Balance

None

25 days

$20.00

VISA Classic Card

13.9%

Average Daily Balance

None

25 days

$20.00

1. Certain conditions may apply . Return to top

2. Motor Home, Boat and Large RV may be financed up to 120 months. Rates may be Higher. Return to

A glossary of loan terminology is available