Love My Credit Union Rewards
There are more reasons than ever to love being a member! Everyone loves to save, especially on products and services you use every day. That's...
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Learn MoreCertificate Secured Loans
| Info and/or Terms | APR |
|---|---|
| Up to 36 months (as low as) | 4.25%* |
| 37 - 60 months (as low as) | 5.00%* |
*APR = Annual Percentage Rate. Max: Certificate Balance. Term of loan shall not exceed term of certificate. Rates subject to change at any time without prior notice.
Special 13-Month Certificate
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| 13-Month Share Certificate | 3.928% | 4.00% |
*APY=Annual Percentage Yield. APY is based on the opening balance of the CD. $5,000 minimum balance required to open account; CD opening balance not to exceed $500,000. IRA CDs are not eligible for the 13-month CD.
Dividends paid monthly and applied to the balance of the certificate. The APY assumes that all dividends remain on deposit until maturity. Early withdrawal penalties apply. Rate is fixed for initial term of certificate. At time of maturity certificate will automatically renew for a term of 12 months at the prevailing rate.
Not valid with any other offer. Must be a member. Other restrictions apply. Rates and terms subject to change at any time without prior notice. Offer may terminate at any time without prior notice. Deposits are insured by NCUA up to $250,000.
Money Markets
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| Money Market ($500 Min.) | 0.250% | 0.250% |
*APY=Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $500 minimum balance required to earn interest on account.
Checking
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| Checking ($100 Min.) | 0.05% | 0.050% |
*APY= Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $100 minimum balance required to earn interest on account.
IRA Accumulation (Traditional,Roth,Education)
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| IRA Accumulation | 0.25% | 0.250% |
*APY=Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.
Holiday/Vacation Club (Savings)
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| Holiday/Vacation Club | 0.45% | 0.451% |
*APY=Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.
New or Used Autos / Cars / Trucks / Motorcycles
| Info and/or Terms | APR |
|---|---|
| Up to 36 months (as low as) | 5.65%* |
| 37 - 60 months (as low as) | 5.75%* |
| 61 - 72 months (as low as) | 6.15%* |
*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice. One winner per branch location selected at random to receive one $100 1st Ed Visa gift card from eligible loans finalized during promotional period. Equal Opportunity Lender. Not a member? Visit https://www.1edcu.org/about-us/membership/ to see if you qualify.
New or Used Recreational Vehicles/ATVs/Snowmobiles/Trailers
| Info and/or Terms | APR |
|---|---|
| Up to 36 months (as low as) | 8.80%* |
| 37 - 60 months (as low as) | 9.65%* |
| 61 - 72 months (as low as) | 10.05%* |
*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice.
Personal/Signature
| Info and/or Terms | APR |
|---|---|
| Up to 60 months (as low as) | 11.15%* |
*APR = Annual Percentage Rate. APR and loan approval based on creditworthiness. Rates subject to change at any time without prior notice.
Visa Credit Cards
| Info and/or Terms | APR |
|---|---|
| VISA Classic (as low as) | 9.50% |
| VISA Platinum (as low as) | 9.50% |
*APR = Annual Percentage Rate. Credit limit and rate may vary depending on credit score. Rates are subject to change without prior notice.
Home Equity Loans Fixed Rate Up to 85% LTV
| Info and/or Terms | APR |
|---|---|
| 5 years - Min: $15,000; Max: $50,000 (as low as) | 6.218%* |
| 10 years - Min: $25,000; Max: $250,000 (as low as) | 6.034%* |
| 15 years - Min: $50,000; Max: $250,000 (as low as) | 6.382%* |
*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value ratio and lien position. Rates are subject to change without prior notice.
Home Equity Lines of Credit Up to 85% LTV
| Info and/or Terms | APR |
|---|---|
| Home Equity Lines of Credit (as low as) | 4.25%* |
Min: $5,000
Max: No Maximum Loan Amount
Your rate may vary from what is listed. Your interest rate will be based on your credit score. In addition, the Loan to Value Ratio and Lien Position are factors in determining rate. Lines of $100,000 or greater must be first lien.
* Promotional offer effective 04/08/2024. $10,000 new money required. After 12 months at 4.25% introductory rate, the interest rate will adjust to as low as Prime Rate minus .50%. Post-introductory rate may vary based on credit score. Prime Rate Effective 09/19/2025 =7.25%. Contact the credit union for complete qualification details. Maximum loan-to-value dependent on credit score. If you close your home equity line of credit within 36 months from the opening date you agree to reimburse the lender for any third party fees the lender paid on your behalf.