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 $ 2,000 0.20% 0.20%
6 months $ 2,000 0.30% 0.30%
12 months $ 2,000 0.35% 0.35%
18 months $ 2,000 0.45% 0.45%
24 months $ 2,000 0.55% 0.55%
36 months $ 2,000 0.75% 0.75%
48 months $ 2,000 0.99% 0.99%
60 months $ 2,000 1.29% 1.29%

MONEY MARKET

Minimum Opening BalanceRateAPY
$ 500.00 - $ 1,000.00 0.10% 0.10%
$ 1,000.01 - $10,000.00 0.10% 0.10%
$10,000.01 - $25,000.00 0.10% 0.10%
$25,000.01 - $50,000.00 0.20% 0.20%
$50,000.01 - up 0.20% 0.20%

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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Your savings insured to $250,000 per account. This institution is not federally insured, or insured by any state government.