Lending Rates

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 Preferred 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 Preferred Rates!

New Car, Truck & RV Loan Rates

Effective January 1, 2018
Type of LoanTermAPR*Preferred APR*
*APR=Annual Percentage Rate. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the APR and 0.26% to the preferred APR if you do not use at least one of these services. Vehicle Loan Rates shown are for 85% financing. 100% financing is available on 2010 and newer vehicles 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 (2017-2018)36 months2.50% 1.99%
60 months3.20% 2.19%
72 months4.00%2.49%
84 monthsN/A2.99%

Used Car, Truck & RV Loan Rates

Effective January 1, 2017
Type of LoanTermAPR*Preferred APR*
*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. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the APR and 0.26% to the preferred APR if you do not use at least one of these services. Vehicle Loan Rates shown are for 85% financing. 100% financing is available on 2010 and newer vehicles for an additional 0.50% APR.
2012-201636 months3.50% 2.49%
2012-201660 months3.70% 2.69%
2012-201672 months4.00% 2.99%
2011 or Older36 months5.45% 4.69%
2011 or Older (Over $10,000)48 months5.95% 4.69%

Motorcycle Loan Rates

Effective January 1, 2018
Type of LoanTermAPR*Preferred APR*
*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. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the APR and 0.26% to the preferred APR if you do not use at least one of these services. Vehicle Loan Rates shown are for 85% financing. 100% financing is available on 2010 and newer vehicles for an additional 0.50% APR.
New (2017-2018)36 months3.00% 1.99%
60 months3.70% 2.19%
Used (2012-2016)48 months3.70% 2.69%
Used (2011 or Older)36 months4.95% 4.19%
Used Over $5,000 (2011 or Older)48 months5.95% 5.19%

Visa Credit Card Rates

Effective September 1, 2016
Interest Rates and Interest Charges
*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
Purchases APR*9.90% or 11.90%*
Balance Transfers APR*9.90% or 11.90%*
Cash Advances APR*9.90% or 11.90%*
How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the close of each billing cycle. We will not charge you any intrest on purchases if you pay your entire balance by the due date each month.

Personal Loan Rates

Effective January 1, 2017
Type of LoanTermAPR*Preferred APR*
*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. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the APR and 0.26% to the preferred APR if you do not use at least one of these services.
**Maximum loan amount or credit limit on unsecured lending is 25% of Gross Annual Income.
Share Secured60 months1.99%N/A
Credit Builder/Rebuilder**18 months5.00%N/A
Signature**36 months12.00%8.99%
60 months13.00%9.99%
Personal Line-of-Credit**36 monthsN/A8.99%
60 monthsN/A9.99%

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 Lending Rates

Effective January 1, 2017
Type of LoanTermAPR*Preferred APR*
*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. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the APR and 0.26% to the preferred APR if you do not use at least one of these services. Maximum home equity loan or line-of-credit amount is 80% of home’s value.
Home Equity Fixed Rate24 months - Promotional Rate3.25%2.49%
60 months4.25%3.49%
120 months4.75%4.24%
Home Equity Line of Credit
(Variable rate, adjusted quarterly)
120 months4.77%N/A

Education Line of Credit

Effective January 1, 2017
TermPaymentsAPR*1st Time Applicant APR*
*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. Rates shown require member has automatic payments from a YEFCU account, payroll deduction or direct deposit. Add 0.25% to the regular APR and 0.26% to the 1st Time Applicant APR if you do not use at least one of these services.
12 monthsInterest-Only11.00%5.49%