YEFCU members borrow for less.
One of the greatest benefits of Credit Union membership is better lending rates. That’s because YEFCU is a non-profit organization. Our profits are returned back to our members in the form of fewer fees, higher dividends and lower lending rates.
Get Rewarded for Good Behavior
Have you been financially responsible? We reward our members who meet certain credit standards with our best rates. Contact our loan department for information on how your rate is determined and what you can do to improve your credit rating to earn our best rates.
New Vehicle Loan Rates
Effective January 11, 2023| New Vehicle Loan Rates (2021 and 2022 model years) | Term | APR* |
|---|---|---|
| 36 months | As low as 3.99% | |
| 48 months | As low as 3.99% | |
| 60 months | As low as 4.59% | |
| 72 months | As low as 4.74% | |
| 84 months | As low as 5.25% | |
| *APR=Annual Percentage Rate. Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. | ||
Used Vehicle Loan Rates
Effective January 11, 2023| Used Vehicle Loan Rates (2020 and older model years) | Term | APR* |
|---|---|---|
| 36 months | As low as 4.59% | |
| 48 months | As low as 4.99% | |
| 60 months | As low as 5.69% | |
| 72 months | As low as 6.69% | |
| 84 months | As low as 6.99% | |
| *APR=Annual Percentage Rate. Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. | ||
New and Used RV Loan Rates
Effective January 11, 2022| New and Used RV Loan Rates (2022 and older model years) | Term | APR* |
|---|---|---|
| 60 months | As low as 6.00% | |
| 72 months | As low as 6.50% | |
| 84 months | As low as 6.84% | |
| 120 months | As low as 7.24% | |
| *APR=Annual Percentage Rate. RV Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. | ||
New and Used Utility Trailer Loan Rates
Effective March 15, 2022| NEW AND USED UTILITY TRAILER LOAN RATES (2022 AND OLDER MODEL YEARS) | TERM | APR* |
|---|---|---|
| 48 months | As low as 5.50% | |
| 60 months | As low as 6.00% | |
| *APR=Annual Percentage Rate. Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. | ||
Visa Credit Card Rates
Effective January 11, 2023| Interest Rates and Interest Charges | |
|---|---|
| Purchases APR* | As low as 7.99% |
| Balance Transfers APR* | As low as 7.99% |
| Cash Advances APR* | As low as 7.99% |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| *APR=Annual Percentage Rate when you open your account, based on your creditworthiness. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau |
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Personal Loan Rates
Effective July 11, 2022| Type of Loan | Term | APR* |
|---|---|---|
| Signature** | 36 months | As low as 6.50% |
| 60 months | As low as 6.75% | |
| Signature Line of Credit** | 36 months | As low as 6.50% |
| Credit Builder/Rebuilder** | Up To 18 months | 5.00% |
| Share Secured | Up To 60 months | 1.99% |
| *APR=Annual Percentage Rate. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. **Maximum loan amount or credit limit on unsecured lending is 25% of Gross Annual Income. |
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First Mortgage Loan Rates
Our mortgage rates can change on a daily basis. Please visit
First Heritage, our mortgage vendor, for current rates.Home Equity Loan Rates
Effective January 1, 2023| Type of Loan | Term | APR* |
|---|---|---|
| Home Equity Fixed Rate | 24 months - Promotional Rate | 2.49% |
| 60 months | As low as 4.74% | |
| 120 months | As low as 5.69% | |
| 180 months | As low as 6.49% | |
| Home Equity Line of Credit (Variable rate, adjusted quarterly) | 120 months | As low as 6.41% |
| *APR=Annual Percentage Rate. Maximum home equity loan or home equity line of credit amount is 80% of home’s value minus any first mortgage balance. Maximum loan amount of $100,000. First advance is minimum of $5,000 with subsequent minimum advances of $500 on Home Equity Line of Credit. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. | ||
Education Line of Credit Loan Rates**
Effective March 15, 2022| Term | Payments | APR* |
|---|---|---|
| 36 months | Principal and Interest | As low as 6.50% |
| *APR=Annual Percentage Rate. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. **Maximum credit limit on unsecured lending is 25% of Gross Annual Income. |
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