Rates

Effective as of 05/22/2023

New Auto – 2020 or Newer

Score	24 Months	36 Months	48 Months	60 Months	72 Months	84 Months
720+	6.00%	6.25%	6.25%	6.25%	6.49%	7.24%
680-719	6.25%	6.50%	6.75%	7.00%	7.24%	8.24%
640-679	7.75%	8.00%	8.25%	8.50%	8.99%	N/A
600-639	12.00%	12.25%	12.50%	12.75%	13.00%	N/A
580-599	14.00%	14.25%	14.50%	14.75%	N/A	N/A
Under 579	16.25%	16.75%	17.00%	17.25%	N/A	N/A

Used Auto – 2016 to 2019

Score	24 Months	36 Months	48 Months	60 Months	72 Months
720+	6.50%	6.75%	6.75%	6.75%	6.99%
680-719	6.75%	7.00%	7.25%	7.50%	7.74%
640-679	8.25%	8.50%	8.75%	9.00%	9.49%
600-639	12.50%	12.75%	13.00%	13.25%	N/A
580-599	14.50%	15.00%	17.00%	18.00%	N/A
Under 579	17.00%	17.75%	18.00%	N/A	N/A

New RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer – 2020 or Newer

Score	24 Months	36 Months	48 Months	60 Months	72 Months	84 Months
720+	8.00%	8.00%	8.00%	8.25%	9.00%	9.00%
680-719	8.50%	8.50%	8.50%	8.75%	9.50%	9.50%
640-679	9.75%	9.75%	9.75%	10.00%	10.75%	10.00%
600-639	13.00%	13.00%	13.00%	13.50%	14.25%	14.50%
580-599	17.25%	17.25%	17.25%	17.25%	N/A	N/A
Under 579	18.00%	18.00%	18.00%	N/A	N/A	N/A

Used RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer – 10 years or Older

Score	24 Months	36 Months	48 Months	60 Months	72 Months	84 Months
720+	9.00%	9.50%	10.00%	11.00%	11.25%	11.50%
680-719	9.50%	10.00%	10.50%	11.50%	11.75%	12.00%
640-679	10.75%	11.25%	11.75%	12.25%	13.25%	14.00%
600-639	14.00%	14.00%	14.00%	14.50%	15.25%	N/A
580-599	16.50%	17.00%	17.50%	N/A	N/A	N/A
Under 579	17.50%	18.00%	18.00%	N/A	N/A	N/A

Unsecured Personal Loans Up to $35,000

Score	24 Months	36 Months	48 Months	60 Months
720+	9.75%	10.75%	11.75%	12.75%
680-719	10.75%	11.75%	12.75%	13.75%
640-679	13.75%	14.75%	15.75%	16.75%
600-639	16.00%	17.00%	18.00%	N/A
580-599	17.50%	18.00%	N/A	N/A
Under 579	18.00%	N/A	N/A	N/A

Other Secured – Tracked (Collateral)

Score	24 Months	36 Months	48 Months	60 Months
720+	7.75%	8.75%	9.75%	10.75%
680-719	8.75%	9.75%	10.75%	11.75%
640-679	10.75%	11.75%	12.75%	13.75%
600-639	11.75%	12.75%	13.75%	14.75%
580-599	14.75%	15.75%	16.75%	N/A
Under 579	18.00%	N/A	N/A	N/A

Other Secured – Not Tracked

Score	24 Months	36 Months	48 Months	60 Months
720+	9.75%	10.75%	11.75%	12.75%
680-719	10.75%	11.75%	12.75%	13.75%
640-679	12.75%	13.75%	14.75%	15.75%
600-639	15.75%	16.75%	17.75%	N/A
580-599	17.75%	N/A	N/A	N/A
Under 579	N/A	N/A	N/A	N/A

Savings Account Rates

Account Type	Dividend Rate*	APY**
Share Savings Account	0.35%	0.35%
Student Share Savings Account	0.35%	0.35%
Moola Moola Kids Club Account	0.35%	0.35%
Vacation Club Account	0.35%	0.35%
Christmas Club Account	0.35%	0.35%

*Dividend Rate
**APY = Annual Percentage Yield
Fees could reduce earnings on Dividend Bearing accounts.
EFCU rates are determined by the Board of Directors. The dividend period for these types of account’s is monthly.  The dividend rate and annual percentage yield may change every dividend period. Minimum balance of $100.00 is required to earn dividends on Share Savings Accounts, Vacation Club Accounts and Christmas Club Accounts. Minimum balance of $25.00 is required to earn dividends on Student Share Savings and Moola Moola Kids Club Accounts.

Share Certificates

Elko Federal Credit Union offers several term lengths on our Share Certificates. Call Member Services today for more information.

Information About Our Share Certificates

• Rate Type: Fixed
• Dividends are compounded and credited monthly
• The dividend period is equal to the account’s term
• Additional deposits are allowed; no limit
• Withdrawals are allowed – See our rules about transaction limitations
• Renewable automatically

The rates, fees and terms applicable to your account at Elko Federal Credit Union are provided with this Truth-In-Savings Disclosure. Elko Federal Credit Union may offer other rates for these accounts from time to time.

Term Share Certificates Rates

Term	Dividend Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit
3 Month	3.00%	3.04%	$7,500.00
6 Month	3.00%	3.04%	$10,000.00
9 Month	3.00%	3.04%	$10,000.00
12 Month	4.75%	4.85%	$5,000.00
24 Month	4.00%	4.07%	$5,000.00
30 Month	3.00%	3.04%	$1,000.00
36 Month	3.00%	3.04%	$500.00

Certificate dividends can be paid back to your certificate or your share savings account monthly and you can request that your dividends be sent to you by check. Term Share rates are determined each Tuesday. The rate you are quoted at the time you receive your certificate is the rate you receive for the duration of the certificate. A penalty will be assessed on all term share certificates withdrawn before the maturity date. The penalty will be in accordance with the Truth-In-Savings Disclosure.

IRA

Building savings for your retirement with an IRA from EFCU is easy – and it gives you special tax advantages that let your savings grow more quickly.

Account Type	Dividend Rate*	APY**
IRA Share Savings Account	3.00%	3.03%

*Dividend Rate
**APY = Annual Percentage Yield
Fees could reduce earnings on Dividend Bearing accounts.
EFCU rates are determined by the Board of Directors. The dividend period for these types of accounts is monthly. The dividend rate and annual percentage yield may change every dividend period. Minimum balance of $100.00 is required to earn dividends on Share Savings Accounts, Vacation Club Accounts and Christmas Club Accounts. Minimum balance of $25.00 is required to earn dividends on Student Share Savings and Moola Moola Kids Club Accounts.7