Education First FCU | Mortgage, Auto & Business Loan Rates

New and Used Vehicle Loan Rates

* APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Terms	APR*
48 Months	5.50%
60 Months	5.75%
72 Months	6.25%
78 Months	6.50%
84 Months	6.75%

Recreational Loan Rates

* APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Terms	APR*
48 Months	5.99%
60 Months	6.25%
72 Months	6.50%
84 Months	7.25%
96 Months	7.50%
96+ Months	8.00%

Home Improvement Loan Rates

Terms	Rate
60 Months	5.800%
120 Months	5.925%
180 Months	6.250%
240 Months	6.375%

Mortgage Loan Rates

Rates in effect as of July 31, 2023
*APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Terms	Rate	APR*
30 Year Fixed Rate	6.750%	7.046%
20 Year Fixed Rate	6.500%	6.726%
15 Year Fixed Rate	6.250%	6.491%

Home Equity Loan Rates

* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Terms	Rate	APR*
60 Months	5.425%	5.841%
120 Months	5.800%	6.022%
180 Months	6.000%	6.157%
240 Months	6.250%	6.376%
300 Months	6.500%	6.609%
360 Months	6.500%	6.597%

Construction Loan Rates

TERMS	RATE
12 Months	6.750%

Home Improvement Loan Rates

* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Terms	Rate
60 Months	5.800%
120 Months	5.925%
180 Months	6.250%
240 Months	6.375%

Land/Unimproved Property Loan Rates

* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Terms	Rate
60 Months	5.750%
120 Months	6.250%
180 Months	6.500%

Personal Credit Card Rates

See credit card disclosure for rate and offer information.
* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Terms	Fees	APR*	Notes
totalREWARDS VISA	No annual fees	11.90%*	Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!
total REWARDS Business VISA	No annual fees	11.90%*	Earn totalREWARDS on every purchase with your Education First VISA for choice of cash back, travel, merchandise or gift cards!

Line of Credit Rates

* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Fees	APR*
No annual fees	10.70%

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