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*
36 Months	3.75%
48 Months	4.00%
60 Months	4.25%
72 Months	4.75%
78 Months	5.00%
84 Months	5.50%

Recreational + Other Secured 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	6.00%
78 Months	6.25%
84 Months	6.75%
96+ Months	7.75%

Mortgage Loan Rates

Rates in effect as of October 1, 2024
*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*
10 Year Fixed Rate	5.500%	5.803%
15 Year Fixed Rate	5.750%	5.984%
20 Year Fixed Rate	5.990%	6.208%
30 Year Fixed Rate	5.990%	6.267%

Construction Loan Rates
Terms	Rate
12 Months	6.750%

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	5.000%	5.415%
120 Months	5.100%	5.319%
180 Months	5.250%	5.404%
240 Months	5.500%	5.623%
300 Months	5.750%	5.855%
360 Months	5.750%	5.843%

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	6.500%
120 Months	6.750%
180 Months	7.000%

totalREWARDS 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.
Type	Fees	APR*	Perks
totalREWARDS VISA	No annual fees	3.99%* Intro Rate	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	3.99%* Intro Rate	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%

Personal Loans

Terms	Fees	APR*
Unsecured Personal	No annual fees	11.75%
Share Secured	No annual fees	3.0% + Regular Savings Dividend Rate
Share Certificate Secured for 6 – 36 months	No annual fees	2.0% + Share Certificate Dividend Rate
Share Certificate Secured for 37 – 60 months	No annual fees	3.0% + Share Certificate Dividend Rate

Contact

Find A Branch

FAQs

Make An Appointment

Calculators

Take charge of your finances! From big purchases to debt elimination and savings plans, our calculators guide you every step of the way.

Rates

Check current rates and find out which ones adhere to your loan type.

Member Perks

When you want a better place to hold your accounts and grow your money, Education First is at the head of the class.