EPFCU offers competitive rates and flexible terms.
Looking for First Mortgage Rates? Visit our Mortgage Center.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
New Auto, Truck & Motorcycle Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
4.50%
$29.76/36 Mos.
Up to 48 Months
4.50%
$22.81/48 Mos.
Up to 60 Months
4.75%
$18.76/60 Mos.
Up to 72 Months
5.00%
$16.11/72 Mos.
Up to 84 Months
5.75%
$14.50/84 Mos.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
Used Auto, Truck & Motorcycle Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
5.00%
$29.98/36 Mos.
Up to 48 Months
5.00%
$23.04/48 Mos.
Up to 60 Months
5.25%
$18.99/60 Mos.
Up to 72 Months
5.50%
$16.35/72 Mos.
Up to 84 Months
6.25%
$14.74/84 Mos.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply. Boat Loans are available only for boats 26 feet in length and less.
New Boat & Recreational Vehicle Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
6.00%
$30.43/36 Mos.
Up to 48 Months
6.00%
$23.50/48 Mos.
Up to 60 Months
6.25%
$19.46/60 Mos.
Up to 72 Months
7.50%
$16.82/72 Mos.
Up to 84 Months
7.25%
$15.22/84 Mos.
Up to 120 Months
8.75%
$12.54/120 Mos.
Up to 180 Months
9.75%
$10.60/180 Mos.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply. Boat Loans are available only for boats 26 feet in length and less.
Used Boat & Recreational Vehicle Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
6.00%
$30.43/36 Mos.
Up to 48 Months
6.00%
$23.50/48 Mos.
Up to 60 Months
6.25%
$19.46/60 Mos.
Up to 72 Months
7.50%
$16.82/72 Mos.
Up to 84 Months
7.25%
$15.22/84 Mos.
Up to 120 Months
8.75%
$12.54/120 Mos.
Up to 180 Months
9.75%
$10.60/180 Mos.
EFFECTIVE 10-1-2026 Includes ATVs, UTVs, Snowmobiles, Dirt Bikes, Golf Carts, and Personal Watercrafts.
New and Used Small RV Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 36 Months
7.75%
$31.23/36 Mos.
Up to 48 Months
8.00%
$24.42/48 Mos.
Up to 60 Months
8.25%
$20.41/60 Mos.
Up to 72 Months
8.50%
$17.79/72 Mos.
Up to 84 Months
9.00%
$16.10/84 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes 0.25% discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
Signature Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 24 Months
9.50%
$45.93/24 Mos.
Up to 36 Months
10.00%
$32.28/36 Mos.**
Up to 48 Months
10.50%
$25.62/48 Mos.
Up to 60 Months
11.00%
$21.76/60 Mos.
**Monthly payment example: A loan of $10,000 financed for 36 months would be $32.38 x 10 = $323.80 per month; your loan will have a total cost of $11,656.80 ($323.80 x 36).
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
Personal Line of Credit
Term
APR*
Revolving
11.00%
Personal Line of Credit is reviewed on a continuous basis. Rates may change after two years to the current stated rate based on credit review and credit score.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Share secured loans are available at our lowest rates — just 2.5% APR over your dividend rate.
Secured Loan Rates
Loan Type
Term
APR*
Est. Monthly Payment per $1000
Share Secured†
Up to 60 Months
Share Rate + 2.50%
$17.80/60 Months based on .10% dividend
Share Certificate Secured
Remaining Certificate Term
Certificate Rate + 2.50%
$17.80/60 Months based on .10% dividend
†Secured funds must remain in account for the term of the loan.
EFFECTIVE 10-1-2026 *APR = Annual Percentage Rate. Applications are subject to credit approval. All rates are subject to change without prior notice. Other restrictions and discounts may apply. **Monthly payment example: A loan of $2,000 financed for 12 months would be $91.68 x 2 = $183.36 per month; your loan will have a total cost of $2,200.32 ($183.36 x 12).
Credit Builder Loan Rates
Term
APR*
Est. Monthly Payment per $1000
Up to 12 Months
18.00%
$91.68/12 Mos.**
Up to 24 Months
18.00%
$49.92/24 Mos.
EFFECTIVE 10-1-2026 *APR=Annual Percentage Rate. Actual rate may vary, is subject to change without notice and is based on applicant’s credit score. Not all applicants will qualify for the lowest rate. Loans are made only on personal residences within 150 mile radius of our main office. Property insurance required. Credit Union pays all closing costs. Repayment of closing cost required if loan is paid off within three years. Estimate of closing costs on an $80,000 Home Equity Loan are $1,500. The interest you pay may be tax deductible. Ask your tax adviser if you are eligible. Other restrictions may apply.
Home Equity Loan Rates
Loan Type
Term
Margin
APR*
Financing Information
Est. Monthly Payment
Home Equity Line of Credit†
Open-end
-0.25
6.75%
Variable Rate; Maximum Rate 18% APR*
$15.00/per $1,000 Borrowed
Home Equity Loan††
Up to 10 Years
None
5.75% Fixed
$10,000 – $250,000
$575.50 for $50,000 over 120 months
Home Equity Loan††
Up to 15 Years
None
6.25% Fixed
$10,000 – $250,000
$402.06 for $50,000 over 180 months
†Home Equity Line of Credit is a variable rate, open-end loan. Rate is indexed to the Wall Street Journal Prime Rate (currently 6.75% as of 12/11/2025) plus/minus any applicable margin. There is a minimum rate/floor APR of 4.00% and a maximum ceiling APR of 18.00%. Not all applicants will qualify for lowest rate. Minimum loan is $10,000 Lifetime
††Home Equity Loan is a fixed rate, closed-end loan with one-time disbursement.
| Interest Rate and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases Paying Interest | Mastercard: 9.25% – 18.00% This APR will vary with the market based on the Prime Rate Secured Mastercard: 15.00% |
| APR For Balance Transfers | Mastercard: 9.25% – 18.00% This APR will vary with the market based on the Prime Rate Secured Mastercard: 15.00% |
| APR For Cash Advances | Mastercard: 9.25% – 18.00% This APR will vary with the market based on the Prime Rate Secured Mastercard: 15.00% |
| How To Avoid Paying Interest On Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if You pay Your entire balance owed by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
|---|---|
| Transaction Fees Cash Advance Foreign Transactions | 2.00% of each cash advance 1.00% of each foreign currency transactions in U.S. Dollars 0.80% of each U.S. Dollar transaction that occurs in a foreign country |
| Penalty Fees Returned Payment Late Payment | Up to $25.00 per Returned Payment Up to $20.00 per Late Payment |
| *APR = Annual Percentage Rate. Standard variable APR: 9.25% to 18.00%. Approval and rate depend on creditworthiness and other qualifications. The APR will vary with the market based on Prime Rate. Business Mastercard does not qualify for promotion. Available for new cardholders only. Rates, terms and conditions are subject to change without notice. Limited time offer. †Other fees may apply such as cash advance fees (2% of the cash advance), foreign transaction fees (1% of each current transaction), late payment fees ($20 per occurrence), returned payment ($25) or other account fees and charges. See Cardholder Agreement. Not all applicants will be approved. **Cardholders who qualify for epfcu SMART REWARDS will receive double points per qualifying grocery purchases beginning May 1, 2022. Qualifying 2X points SIC/CAT Code(s) Merchant Category Codes are 5411, 5422, 5441, 5462 and 5499. EPFCU is not responsible for how merchants identify transactions or the category codes used which may impacts the amount of points you earn. Double points will be credited to epfcu SMART REWARDS cardholder balance within 60 days of the qualifying purchase(s). |
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