Loan Rates
Finding the right loan and rate is important to your budget. Getting stuck with a high interest rate can leave you overpaying a loan by hundreds of dollars over the term of the loan. EFCU offers a variety of credit union loan options to help you finance important purchases with low rates. Give us a call at 303.428.5080 or toll-free at 1.888.428.5080 to get a loan application started today or apply online!
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Rate Information: APR (%) = Annual Percentage Rate
Rates quoted as of 02/01/2025
New/Used Auto Purchase** | Rate (APR)* as low as | New/Used Auto Refinance*** | Rate (APR)* as low as |
|---|---|---|---|
Up to 24 months | 4.24% | Up to 24 Months | 2.99% |
36 Months | 4.74% | 36 Months | 3.49% |
48 months | 4.99% | 48 Months | 3.74% |
60 Months | 5.74% | 60 Months | 4.49% |
72 Months | 6.24% | 72 Months | 4.99% |
84 Months | 6.99% | 84 Months | 5.74% |
RV Purchase- $60K+ up to 120 Months | 7.49% | RV Refinance- $60K+ up to 120 Months | 6.24% |
**New/Used Auto Purchase includes purchasing a new or used vehicle or using a free and clear title to finance a loan. We also offer purchase loans on trailers, RVs, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR.
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*** New/Used Auto Refinance is strictly for refinancing a new or used vehicle to EFCU from another financial institution. We will also refinance RVs, trailers, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR.
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*All loans are subject to credit approval. Advertised rates are subject to change without notice. Verification of income may be required. The rate you pay depends upon your credit history, term, LTV, year and type of vehicle, and not all borrowers will qualify for the lowest rate. Must be 18 years of age to qualify for a loan. Membership at Electrical Credit Union is required to participate with a minimum share/savings balance of $25.00. Rate (APR) = Annual Percentage Rate
​Auto loan purchase payment examples:
$20,000 at 5.74% APR for 60 months, you would make 60 payments of $385.00
RV payment example:
$75,000 at 7.49% APR for 120 months, you would make 120 payments of $890.00.
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Auto loan refinance payment examples:
$20,000 at 4.49% APR for 60 months, you would make 60 payments of $373.00
RV payment example:
$75,000 at 6.24% APR for 120 months, you would make 120 payments of $842.00.
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Save up to an additional 0.50% APR on auto loans and signature loans with our Relationship Pricing. See how!
Additional Loan Products* | Rate (APR)* as low as |
|---|---|
CD Secured Loan | 2.00%+ CD Rate |
Credit Builder Loan | 5.00% |
Home Equity Line of Credit | Variable/Currently at 8.00% |
Jumpstart (Apprentice) Loan | 6.00% |
Overdraft Line of Credit | 15.50% |
Share Secured Loan | 4.00% |
Signature/Personal Loan | 9.99% |
Visa Credit Card | 11.90% |
*All loans are subject to credit approval. Advertised rates are subject to change without notice. Verification of income may be required. The rate you pay depends upon your credit history, term and LTV and not all borrowers will qualify for the lowest rate. Must be 18 years of age to qualify for a loan. Membership at Electrical Credit Union is required to participate with a minimum share/savings balance of $25.00. Rate (APR) = Annual Percentage Rate.
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EFCU NMLS#102973/Centennial Lending NMLS#:3056