Education First FCU | Mortgage, Auto & Business Loan Rates

New and Used Vehicles
Type	APR*
48 months	5.50%
60 months	5.50%
72 months	5.75%
78 months	6.00%
84 months	6.25%

Boats, ATVs, RVs. Motorcycles & More
Term	APR*
48 months	5.50%
60 months	5.50%
72 months	5.75%
78 months	6.00%
84 months	6.13%
96 months	6.24%
96+ months	6.34%

Mortgage Loans
term	rate	apr
30 Year Fixed Rate	6.00%	6.27%
20 Year Fixed Rate	5.87%	6.09%
15 Year Fixed Rate	5.50%	5.73%

Home Equity Loans
term	rate	apr
60 months	5.17%	5.59%
120 months	5.30%	5.52%
180 months	5.50%	5.65%
240 months	5.75%	5.87%
300 months	6.00%	6.10%
360 months	6.00%	6.09

Home Improvement
term	rate
60 months	5.05%
120 months	5.17%
180 months	5.50%
240 months	5.62%

Unimproved Property
term	rate
60 months	5.00%
120 months	5.50%
180 months	5.75%

Credit Card
Type	Fees	Intro APR*	APR*	Notes
totalREWARDS VISA	No annual fees	n/a	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	n/a	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
Fees	APR*
No annual fees	10.70%

Personal Loans
Type	Fee	APR*
Share Secured	no annual fees	3.0% + Regular Savings Dividend Rate
Share CD Secured for 6 – 36 months	no annual fees	2.0% + CD Dividend Rate
CD Secured for 37 – 60 months	no annual fees	3.0% + CD Dividend Rate
Unsecured Personal	no annual fees	10.73%
Unsecured Personal Debt Consolidation Promotion	no annual fees	9.99%**

* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice. The APR for Shared Secured Loans will be the dividend rate being paid on regular shares (Index) on the date of the advance plus 3%. The rates are subject to change on the first day of each calendar month to reflect any change in the Index. If there is an existing balance on the date of the rate change, the entire balance will be at the new APR. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid. The present annual percentage rate will be disclosed on the voucher at the time of the advance.

**Unsecured personal debt consolidation promotional 9.99% APR is based on individual creditworthiness. Maximum loan amount is based on individual borrower's creditworthiness and financial qualifications. Maximum loan term is 24 months. Promotion does not apply to existing Education First loans or credit card balances. The minimum credit score to qualify for promotional 9.99%APR rate is 620. Loan proceeds must be used specifically for debt consolidation in order to qualify for special 9.99% APR promotional rate. Offer valid beginning March 15, 2023. Limited time promotion. Terms and conditions are subject to change without notice. See promotion page for details.