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 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, 2022
New Vehicle Loan Rates
(2021 and 2022 model years)
TermAPR*
36 monthsAs low as 1.99%
48 monthsAs low as 2.19%
60 monthsAs low as 2.49%
72 monthsAs low as 2.99%
84 monthsAs low as 3.39%
*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, 2022
Used Vehicle Loan Rates
(2020 and older model years)
TermAPR*
36 monthsAs low as 2.49%
48 monthsAs low as 3.36%
60 monthsAs low as 3.42%
72 monthsAs low as 3.68%
84 monthsAs low as 3.89%
*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)
TermAPR*
60 monthsAs low as 6.00%
72 monthsAs low as 6.50%
84 monthsAs low as 6.84%
120 monthsAs 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.

Visa Credit Card Rates

Effective January 11, 2022
Interest Rates and Interest Charges
Purchases APR*As low as 5.99%
Balance Transfers APR*As low as 5.99%
Cash Advances APR*As low as 5.99%
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 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

Personal Loan Rates

Effective January 11, 2022
Type of LoanTermAPR*
Signature**36 monthsAs low as 6.50%
60 monthsAs low as 6.75%
Personal Line-of-Credit**36 monthsAs low as 6.50%
60 monthsAs low as 6.75%
Credit Builder/Rebuilder**18 months5.00%
Share Secured60 months1.99%
*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.

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 11, 2022
Type of LoanTermAPR*
Home Equity Fixed Rate24 months - Promotional Rate2.49%
60 monthsAs low as 3.49%
120 monthsAs low as 4.24%
180 monthsAs low as 4.74%
Home Equity Line of Credit
(Variable rate, adjusted quarterly)
120 months4.50%
*APR=Annual Percentage Rate. Maximum home equity loan or line-of-credit amount is 80% of home’s value. 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

Effective January 11, 2022
TermPaymentsAPR* 
12 monthsInterest-Only11.00%
*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.