Rates

Effective as of 1/1/2019

New Auto – 2017 or Newer

Score 24 Months 36 Months 48 Months 60 Months
720+ 2.75% 3.00% 3.25% 3.50%
680-719 3.25% 3.50% 3.75% 4.00%
640-679 4.50% 4.75% 5.00% 5.25%
600-639 7.25% 7.50% 7.75% 8.00%
580-599 9.25% 9.50% 9.75% 10.00%
Under 579 13.25% 13.50% 13.75% 14.00%

Used Auto – 2012 to 2016

Score24 Months36 Months48 Months60 Months
720+3.50%3.75%4.00%4.25%
680-7194.00%4.25%4.50%4.75%
640-6795.25%5.50%5.75%6.00%
600-6398.00%8.50%9.00%10.00%
580-59912.00%12.50%14.50%15.50%
Under 57915.50%17.50%18.00%N/A

New RV, Motorhome, Boat, Motorcycle, ATV, Jet Ski, Snowmobile, Horse Trailer – 2017 or Newer

Score24 Months36 Months48 Months60 Months
720+4.75%4.75%4.75%5.00%
680-7195.25%5.25%5.25%5.50%
640-6796.50%6.50%6.50%6.75%
600-6399.75%9.75%9.75%10.25%
580-59915.25%15.25%15.25%15.75%
Under 57916.75%16.75%16.75%N/A

Unsecured Personal Loans Up to $35,000

Score24 Months36 Months48 Months60 Months
720+7.25%8.25%9.25%10.25%
680-7198.25%9.25%10.25%11.25%
640-67911.25%12.25%13.25%14.25%
600-63914.50%15.50%16.50%N/A
580-59917.00%18.00%N/AN/A
Under 57918.00%N/AN/AN/A

Other Secured – Tracked (Collateral)

Score24 Months36 Months48 Months60 Months
720+6.75%7.75%8.75%9.75%
680-7197.75%8.75%9.75%10.75%
640-6799.75%10.75%11.75%12.75%
600-63910.75%11.75%12.75%13.75%
580-59913.75%14.75%15.75%N/A
Under 57917.25%N/AN/AN/A

Other Secured – Not Tracked

Score24 Months36 Months48 Months60 Months
720+7.75%8.75%9.75%10.75%
680-7198.75%9.75%10.75%11.75%
640-67910.75%11.75%12.75%13.75%
600-63913.75%14.75%15.75%N/A
580-59915.75%N/AN/AN/A
Under 579N/AN/AN/AN/A

Savings Account Rates

 Account TypeDividend Rate*APY**
Share Savings Account0.35%0.35%
Student Share Savings Account0.35%0.35%
Moola Moola Kids Club Account0.35%0.35%
Vacation Club Account0.35%0.35%
Christmas Club Account0.35%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

TermDividend RateAnnual Percentage Yield (APY)Minimum Opening Deposit
3 Month0.35%0.35%$7,500.00
6 Month0.45%0.45%$10,000.00
9 Month0.55%0.55%$10,000.00
12 Month1.00%1.00%$5,000.00
24 Month1.25%1.26%$5,000.00
30 Month1.35%1.36%$1,000.00
36 Month1.40%1.41%$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 1.50% 1.51%

*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.

All EFCU branches will be closed on Friday, October 25th and Saturday, October 26th in observance of Nevada Day. We will resume regular business hours on Monday, October 28th.

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