LOAN RATES

Vehicles | Motorcycles

Rates Effective As Of May 1, 2025. Terms and Conditions subject to change without notice.

*APR is the Annual Percentage Rate. Subject to credit approval.

Rate shown includes risk based pricing and relationship discount.

VEHICLE LOANS	Term	APR*	Monthly Payment Per $1000 Borrowed
2025 - 2024
	36 Months	as low as 4.50%	$29.75
	48 Month	as low as 4.75%	$22.92
	60 Months	as low as 5.00%	$18.87
72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629	72 Months	as low as 5.50%	$16.34
84 mo available only if loan amount is greater than $30,000 and credit score is higher than 700	84 Months	as low as 6.25%	$14.73
2023-2021
	48 Months	as low as 5.75%	$23.37
	60 Months	as low as 6.00%	$19.33
72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629	72 Months	as low as 6.25%	$16.69
78 mo available only if loan amount is greater than $30,000 and credit score is higher than 700	78 Months	as low as 7.00%	$15.88
2020 & Older
	36 Months	as low as 5.75%	$30.31
	48 Months	as low as 6.00%	$23.49
	60 Months	as low as 6.00%	$19.45
72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629	72 Months	as low as 7.00%	$17.05

Recreational Vehicles

Rates Effective As Of May 1, 2025. Terms and Conditions subject to change without notice. Additional terms may be available. See branch for details.

*APR is the Annual Percentage Rate. Subject to credit approval.

Rate shown includes risk based pricing and relationship discount.

BOAT LOANS	Term	APR*	Monthly Payment Per $1000 Borrowed
New	72 Months	as low as 8.00%	$17.54
Current Model Year Not Previously Titled)	84 Months	as low as 8.50%	$15.84
	120 Months	as low as 8.75%	$12.54
Used	72 Months	as low as 8.50%	$17.79
(Up To 10th Previous Model Year)	84 Months	as low as 8.75%	$15.97
	120 Months	as low as 9.00%	$12.68

ATV LOANS	Term	APR*	Monthly Payment Per $1000 Borrowed
New	48 Months	as low as 7.00%	$23.96
Used	48 Months	as low as 8.00%	$24.42

MOTOR HOME(RV) & CAMPER LOANS	Term	APR*	Monthly Payment Per $1000 Borrowed
New	60 Months	as low as 7.25%	$19.93
(Current Model Year Not Previously Titled)	72 Months	as low as 7.50%	$17.30
	84 Months	as low as 8.00%	$15.60
	120 Months	as low as 8.75%	$12.54
Used	60 Months	as low as 8.00%	$20.29
(Up To 10th Previous Model Year)	72 Months	as low as 8.25%	$17.67
	84 Months	as low as 8.50%	$15.84

Home

Rates Effective As Of May 1, 2025. Terms and Conditions subject to change without notice.

*APR is the Annual Percentage Rate. Subject to credit approval.

LAWN & GARDEN EQUIPMENT LOANS	Term	APR*	Monthly Payment Per $1000 Borrowed
New	48 Months	as low as 5.50%	$23.26
(Current Model Year Not Previously Titled)	72 Months	as low as 6.00%	$16.58
Used	48 Months	as low as 7.50%	$24.18
(Up To 10th Previous Model Year)

HOME EQUITY LINE OF CREDIT	MAXIMUM APR*	APR*	Monthly Payment Per $1000 Borrowed
Variable Rate Product	18.00%	7.50% Currently
Home Equity Lines of Credit are variable rate loans. Rates will be the greater of WSJ Prime Rate or 2.5% (floor). Lifetime maximum variable APR is 18.00%. Borrower is responsible for appraisal fees incurred by the credit union. Costs range from $450 - $600 per appraisal. No other fees are associated with application or closing for this account. Property insurance is required and in cases where applicable, flood insurance may be required as well.

VISA

VISA CREDIT CARD
Annual Percentage Rate For Purchases & Cash A	Introductory APR*
9.90%, 11.90%, or 19.90% APR*	6.90% for 6 months
APR= Annual Percentage Rate. Rate based on overall credit worthiness. Credit Card Rate is not subject to relationship pricing.

Disclosures:

EPCU Relationship Pricing Loan Discounts

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at