Rates

REGULAR SHARES

Minimum Opening BalanceRateAPY
$ 500.00 - $2,499.99 0.05% 0.05%
$ 2,500.00 - $4,999.99 0.05% 0.05%
$ 5,000.00 - $9,999.99 0.05% 0.05%
$10,000.00 – up 0.05% 0.05%

CUB CLUB SHARES

Minimum Opening BalanceRateAPY
$ - $ 100.00 0.05% 0.05%
$ 100.01 - $ 500.00 0.05% 0.05%
$ 500.01 - $1,000.00 0.05% 0.05%
$1,000.01 - $4,999.99 0.05% 0.05%
$5,000.01 - up 0.05% 0.05%

IRA SHARES

Minimum Opening BalanceRateAPY
$100.00 - up 0.20% 0.20%

CERTIFICATES

TermMinimum BalanceRateAPY
3 months $ 1,000 0.20% 0.20%
6 months $ 1,000 0.30% 0.30%
12 months $ 1,000 0.35% 0.35%
18 months $ 1,000 0.45% 0.45%
24 months $ 1,000 0.55% 0.55%
36 months $ 1,000 0.75% 0.75%
48 months $ 1,000 0.99% 0.99%
60 months $ 1,000 1.29% 1.29%

MONEY MARKET

Minimum Opening BalanceRateAPY
$ 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%

LOAN RATE SHEET
Auto loans financed up to 100% Loan-to-Value, include tax, license, MBI and GAP waiver.

New and Used Vehicles

TermNew Auto RateUsed Auto Rate
36 Months 1.99%** 2.99%**  
48 Months 2.99%** 3.99%**
60 Months 2.99%** 3.99%**
72 Months 2.99%** 3.99%**
84 Months 3.49%** 4.49%**

New and Used Recreational Vehicles

TermNew RateUsed Rate
36 Months 5.42% 6.42%
48 Months 5.42% 6.42%
60 months 5.42% 6.42%
72 months 5.63% 6.63%
84 months 6.11% 7.11%
120 months 6.41$ 7.41%

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

TermRate
up to 48 months As low as 8.99% **

Visa (6-month intro rate of 3.99%)

LimitRate
Up to $10,000 ** As low as 10.99%**

Line of Credit

TermRate
up to XX months As low as 10.99%**

First Trust Deed and Home Equity Loans

Please call the credit union

*APR= Annual Percentage Rates. **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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By members choice, El Monte Community Credit Union is privately insured by American Share Insurance up to $250,000 per account.  This institution is not federally insured and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.  Accounts with this institution are not insured by any state government.