As you browse our rates and fees, you may notice that they are better than the competition. Well, that is because we are a not-for-profit financial institution and our priorities are different. We like to return our profits back to our membership in the form of higher yields on investments and lower rates on loans, plus we discount or eliminate the fees that others may charge. It’s part of what we call the credit union difference!
Shares/Savings and Checking accounts
(Updated 1/1/2016)
|
Rate |
APYT |
|
Share/Savings account |
0.10% |
0.10% |
|
Christmas/Back-2-School club |
0.10% |
0.10% |
|
A+ checking |
0.10% |
0.10% |
|
Smart checking |
|
|
|
Bonus rate** (Balances up to $15,000.00) |
2.49% |
2.50% |
|
2nd Tier rate** (Balances over $15,000.00) |
0.20% |
0.20% |
|
Base rate (If requirements** are NOT met) |
0.05% |
0.05% |
**Bonus rate requirements per qualification cycle: view statement online, one (1) direct deposit or ACH, and 15 debit card transactions.
|
Money Market Gold
(Updated 5/1/2013)
|
Rate |
APYT |
|
$0.00 – $999.99 |
0.00% |
0.00% |
|
$1,000.00 – $9,999.99 |
0.10% |
0.10% |
|
$10,000.00 – $24,999.99 |
0.20% |
0.20% |
|
$25,000.00 – $49,999.99 |
0.30% |
0.30% |
|
$50,000.00 – $99,999.99 |
0.40% |
0.40% |
|
$100,000.00 + |
0.50% |
0.50% |
Share Certificates
(Updated 3/1/2016)
|
Rate |
APYT |
|
6 month |
0.30% |
0.30% |
|
12 month |
0.50% |
0.50% |
|
24 month |
0.90% |
0.90% |
|
36 month |
1.50% |
1.51% |
|
48 month |
1.75% |
1.76% |
|
60 month |
2.00% |
2.02% |
|
*$500 minimum to open a Share Certificate |
|
|
Retirement and Education accounts (IRAs and ESAs)
(Updated 5/1/2013)
|
Rate |
APYT |
|
Share account |
0.75% |
0.75% |
{Balances over $50.00 earn dividends}
|
Health Savings Account (HSAs)
(Updated 1/1/2013)
|
Rate |
APYT |
|
Share account |
0.15% |
0.15% |
{Balances over $50.00 earn dividends}
|
Business Accounts
(Updated 5/1/2013)
|
Rate |
APYT |
|
Share/Savings |
0.10% |
0.10% |
|
Principal Checking |
0.05% |
0.05% |
{Balances over $50.00 earn dividends}
{$5.00 monthly fee; is waived if $300 minimum balance is maintained}
|
|
|
|
Superintendent Checking |
0.15% |
0.15% |
{Balances over $1,000.00 earn dividends}
{$10.00 monthly fee; is waived if $1,000 minimum balance is maintained}
|
|
|
|
Money Market |
|
|
|
$0.00 – $999.99 |
0.00% |
0.00% |
|
$1,000.00 – $9,999.99 |
0.10% |
0.10% |
|
$10,000.00 – $24,999.99 |
0.20% |
0.20% |
|
$25,000.00 – $49,999.99 |
0.30% |
0.30% |
|
$50,000.00 – $99,999.99 |
0.40% |
0.40% |
|
$100,000.00 + |
0.50% |
0.50% |
T APY = Annual Percentage Yield. All above rates are current and are subject to change without notice.
Auto Loans
|
Model Year |
Term |
APRT
as low as |
Payment per $1,000 |
|
2012 & Newer |
60 months |
2.89% |
$18.00 |
|
|
66 months* |
2.89% |
$17.00 |
|
|
72 months* |
2.89% |
$16.00 |
|
|
84 months** |
3.14% |
$13.50
|
|
2011 & Older |
48 months |
2.89% |
$22.75 |
|
|
60 months*** |
2.89% |
$18.00 |
|
|
72 months* |
2.89% |
$16.00 |
*15K minimum & Max Mileage of 60K
**$30K minimum & Max Mileage of 40K
***$10K minimum & Max Mileage of 80K
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
Touring Motorcycles
|
Model Year |
Term |
APRT
as low as |
Payment per $1,000 |
|
2012 & Newer |
60 months |
2.89% |
$18.00 |
|
|
66 months* |
2.89% |
$17.00 |
|
|
72 months* |
2.89% |
$16.00 |
|
|
84 months** |
3.14% |
$13.50 |
|
2011 & Older |
48 months |
2.89% |
$22.75 |
|
|
60 months*** |
2.89% |
$18.00 |
|
|
72 months* |
2.89% |
$16.00 |
*15K minimum & Max Mileage of 60K
**$30K minimum & Max Mileage of 40K
***$10K minimum & Max Mileage of 80K
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
Non-Touring Motorcycles
|
Model Year |
Term |
APRT
as low as |
Payment per $1,000 |
|
2012 & Newer |
60 months |
3.99% |
$18.50 |
|
|
72 months |
3.99% |
$16.00 |
|
2011 & Older |
48 months |
4.49% |
$23.00 |
|
|
60 months |
4.99% |
$19.00 |
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
Boats and RVs
|
Model Year |
Term |
APRT
as low as |
Payment per $1,000 |
|
2013 & Newer |
60 months |
4.49% |
$19.00 |
|
|
72 months |
4.99% |
$17.00 |
|
|
84 months |
5.49% |
$15.00 |
|
|
120 months* |
6.49% |
$12.00 |
|
|
180 months*** |
7.49% |
$10.00 |
|
|
240 months**** |
8.49% |
$9.00 |
|
2010 – 2012 |
60 months |
4.99% |
$19.00 |
|
|
72 months |
5.49% |
$17.00 |
|
|
84 months |
5.99% |
$15.00 |
|
|
120 months* |
6.49% |
$12.00 |
|
|
144 months** |
6.99% |
$11.00 |
|
2009 & Older |
60 months |
5.49% |
$20.00 |
|
|
72 months |
5.99% |
$17.00 |
|
|
84 months |
6.49% |
$15.00 |
|
|
120 months* |
6.99% |
$12.00 |
Minimum values for extended terms: * 10yr – $15,000 **12yr – $20,000 ***15yr – $30,000 ****20 year – $75,000
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
ATVs, Personal Watercraft, and Non-Titled Motorcycles
|
Model Year |
Term |
APRT
as low as |
Payment per $1,000 |
|
2012 & Newer |
60 months |
5.99% |
$19.25 |
|
2011 & Older |
48 months |
6.49% |
$24.00 |
|
|
60 months |
6.99% |
$20.00 |
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
First Mortgages
|
Term |
Rates |
APRT |
Payment per $100,000 |
|
15 year |
2.875% |
3.035% |
$696.00 |
|
20 year |
3.500% |
3.646% |
$589.00 |
|
30 year |
3.750% |
4.009% |
$469.00 |
T APR = Annual Percentage Rate.
Rates effective as of 03/21/2016
-
Rate and term are subject to credit approval.
-
Rates are quoted for owner occupied properties with a loan amount of $120,000 ($150,000 purchase price, 20% down payment).
-
Rates are effective as of the date stated above and subject to change daily without notice.
-
The monthly payment amount shown includes principal and interest. Taxes, property insurance, and flood and mortgage insurance (if applicable) are not included in the monthly payment amount. Your actual monthly payment amount may be higher. An escrow account may be required.
-
APR’s based on 15 days of prepaid interest, please call ECU for further explanation.
|
Home Equity Loans – Fixed Rate
|
|
Loan to Value |
|
|
Term |
80% or less |
80 – 90% |
|
5 year |
Rates subject to change weekly based on FFIEC published Average Prime Offer Rate. |
|
|
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
Primeline Home Equity Loans – Variable Rate
|
Term |
Loan to Value |
APRT |
|
Primeline |
Up to 80% LTV |
3.50% (equal to prime) |
|
Primeline +2 |
Up to 80.1% to 100.% LTV |
5.50% (equal to prime +2%) |
No origination fees for Primeline loans. Fees may apply to refinanced loans. APRs (Annual Percentage Rate) are based on Wall Street Journal Prime subject to change the first day of each month and are subject to change. Both Loans are accessible by check, with $500.00 minimum advances. Actual interest rate based upon individual credit approval.
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
Visa Credit Card – Non-Variable Rate
|
Type |
APRT
|
|
Visa Classic |
7.99% |
|
Visa Flex |
14.99% |
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
|
Signature Loans
|
Term |
APRT |
|
Up to 60 months |
as low as 8% |
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
|
* Payment per $1,000 is an estimate and may vary.
Personal Account Fees
|
Type |
Applicable Fees & Conditions |
|
Forever Free Checking |
Free |
|
Smart Checking |
$5 monthly maintenance fee if account requirements are not met. Smart Checking details here. |
|
A+ Checking |
$5 monthly maintenance fee if balance falls below $500 |
|
Money Market Gold |
$5.00 monthly maintenance fee if balance falls below $1,000 |
Business Account Fees
|
Type |
Applicable Fees & Conditions |
|
Principal Checking |
$5 monthly maintenance fee if balance falls below $300 |
|
Per Item Charge |
$0.10/item, after first 100 free per month |
|
Superintendent Checking |
$10 monthly maintenance fee if balance falls below $1,000 |
|
Per Item Charge |
$0.10/item, after first 200 free per month |
|
Change Orders |
$0.10/roll or strap, 5 free per month |
Other Account Fees
|
Type |
Applicable Fees & Conditions |
|
NSF Item (applies to overdrafts created by check, in-person or ATM withdrawals or other electronic means, whether paid or unpaid) |
$24.00 |
|
NSF Transfer |
$5.00 |
|
Account Closure (account closed within 180 days of opening date) |
$20.00 |
|
Inactive/Low Balance (no activity in 12 months; balance below $100) |
$5 per month |
|
Dormant Account (no activity in 12 months; undeliverable address) |
$5 per month |
|
Bad Address (per item returned as undeliverable) |
$2 per item |
|
Garnisment/Levy |
$10 per item |
|
Check Printing Fee |
Prices vary by style |
|
Temporary Checks |
$1 per page |
|
History Printout |
$2 per monthly printout |
|
Statement Copy |
$3 per statement cycle |
|
Paper Statement (savings-only account(s) with balance below $100 at any time during statement cycle, excludes youth accounts) |
$2 per statement cycle |
|
Account Reconciliation (one hour minimum) |
$20 per hour |
|
Excessive Reg D (savings-only account(s) for any non-person transfer or withdraw in excess of 6 per month) |
$3 per item |
Card Fees
|
Type |
Applicable Fees & Conditions |
|
Card Replacement |
One free per year; $5 each additional |
|
Excessive PIN Replacement |
$5 each |
|
Excessive ATM Withdrawal |
$1 each over 8 withdrawals per month |
|
NSF EFT Paid (Late Deposit) |
$24.00 |
|
Transaction Research Fee |
$20/hour |
|
Captured Card Fee |
Pass through of fee charged to ECU |
|
Replacement Card Fee |
$5.00, one free per year |
|
TARC Debit Card Fee |
$2.00 |
|
Topeka Rescue Mission Card Fee |
$2.00 |
Online Banking/BillPay Fees
|
Type |
Applicable Fees & Conditions |
|
Mobile Banking App |
Free |
|
Online Banking |
Free |
|
Online BillPay |
Free |
|
BillPay Electronic Express |
$10 per item |
|
BillPay Paper Express |
$40 per item |
Other Service Fees
|
Type |
Applicable Fees & Conditions |
|
|
|
Notary (members only) |
Free |
|
Money Order |
$2 each |
|
Visa Gift Card |
$3 each |
|
Cashier Check (minimum $100, payable to third party) |
$3 each |
|
Research (one hour minimum) |
$20 per hour |
|
Check Copy |
$3 each |
|
Stop Payment |
$24 per item, or consecutive series |
|
Foreign Currency Order/Exchange |
$30 per request |
|
Check Cashing (applies to savings-only accounts with a balance below $100 at time of transaction; excludes youth accounts) |
$5 per transaction |
|
Coin Counting (applies to savings-only accounts with a balance below $100 at time of transaction; excludes youth accounts) |
5% |
|
Returned Item (written by you) |
$24 each |
|
Returned Item (written to you) |
$5 each |
|
Third Party Payment |
$10 per request |
|
Domestic Check Collection (outgoing) |
$10 per item |
|
Foreign Check Collection (outgoing) |
$20 per item |
|
Wire Transfer – International |
$40 per wire |
|
Wire Transfer – Domestic |
$20 per wire |
|
Wire In |
Free |
Annual Safe Deposit Box Fees
|
Available at Hunter’s Ridge, Downtown & Croco locations |
|
|
3×5 (Downtown location only) |
$15 |
|
3×10 |
$30 |
|
5×10 |
$40 |
|
10×10 |
$70 |
|
Drilling of Box |
$150 per request |
|
Replacement Key |
$25 per key |
The contents of your safe deposit box are not insured against loss by this financial institution nor are they covered by NCUA. For your protection, you may wish to obtain your own box content insurance from an insurance company of your choice.
|
|
Credit Union Membership
|
Type |
Applicable Fees & Conditions |
|
Membership Share (not a fee) |
$5 par value |
*Fee waived with sub-accounts and balances greater than $50
**Outside of Credit Union ATM Network