Rates
Effective – 1/17/19
| Certificate Plan | Rate |
|---|---|
| 91 Days | 0.30 |
| 6 Months | 1.34-1.35 |
| 12 Months | 1.70-1.71 |
| 18 Months | 1.95-1.96 |
| 24 Months | 2.15-2.16 |
| 30 Months | 1.40-1.41 |
| 36 Months | 2.32-2.35 |
General Policy Statement: This policy outlines the rates for all consumer loans with Everglades Federal Credit Union
Effective 04/01/2018
| Loan Type | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 | |
|---|---|---|---|---|---|---|
| Credit Grade/Score | 675+ = A | 600-674=B | 550-599=C+ | 525-549=C- | 524 & Below = D | |
| Unsecured | 10% | 12% | 14% | 16% | 18% | |
| New Auto | 3.99% | 4.99% | 6.99% | 7.99% | 8.99% | |
| Used Auto | 4.99% | 5.99% | 7.99% | 8.99% | 9.99% | |
| New Boat | 3.99% | 4.99% | 6.99% | 7.99% | 8.99% | |
| Used Boat | 4.99% | 5.99% | 7.99% | 8.99% | 9.99% | |
| Motorcycles | 6.99% | 7.99% | 8.99% | 9.99% | 10.99% | |
| Used Motorcycles | 7.99% | 8.99% | 9.99% | 10.99% | 11.99% | |
| New Motor Home | 4.99% | 5.99% | 6.99% | 7.99% | 8.99% | |
| Used Motor Home | 5.99% | 6.99% | 7.99% | 8.99% | 9.99% | |
| Classic Autos | 4.99% | 5.99% | 6.99% | 7.99% | 8.99% | |
| New Harley Davidson | 5.99% | 6.99% | 7.99% | 8.99% | 9.99% | |
| Used Harley Davidson | 6.99% | 7.99% | 8.99% | 9.99% | 10.99% | |
| Watercraft’s/Seadoo | 8.99% | 9.99% | 10.99% | 11.99% | 12.99% | |
| ATV/Dirtbikes | 8.99% | 9.99% | 10.99% | 11.99% | 12.99% | |
| Homeade Airboat | 8.99% | 9.99% | 10.99% | 11.99% | 12.99% | |
| Chattel Loans | 10% | 12% | 14% | 16% | 18% | |
| Share Secured | Prime Share Rate + 4% | |||||
| CDs | Cert Rate + 2% | |||||
| LOC | Prime + 3.50% | |||||
| Home Equitys | Prime + 1.5% | |||||
| Lot Loans Improved 90% | 6.99% | 7.99% | 8.99% | 9.99% | 10.99% | |
| Lot Loans Unimproved 75% LTV | 7.99% | 8.99% | 9.99% | 10.99% | 11.99% | |
| New DW M.H. w/land | 7.99% | |||||
| Used DW M.H. w/land | 8.99% | |||||
| New Single Wide MH w/land | *7.99% | |||||
| Used Single Wide MH w/land | *8.99% | |||||
| New DW / Park Only | *8.99% | |||||
| New SW / Park Only | *8.99% | |||||
| Used DW / Park Only | *9.99% | |||||
| Used SW / Park Only | *9.99% | |||||
| Second Mortgages 80% LTV | See Daily Rate Sheet | |||||
| PRIME RATE | 6/15/2018 | 5.00% | ||||
*Member may qualify for .50% off with Special Rate (excluding Real Estate, VISA, and LOC) MH w/o land do qualify
**Member may qualify for .50% discount for 90% financing
***Member may qualify for 1% discount for 80% financing