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!

Loan Rates

Rate Information: APR (%) = Annual Percentage Rate  (Rates quoted as of 04/01/2020)

*We also offer loans on motorcycles, ATVs, UTVs, snowmobiles, jet skis, trailers and boats!  Interest rates may vary based on credit score, loan to value, year of vehicle and type of vehicle and not all borrowers will qualify for the lowest rate.  Save up to an additional 0.50% APR on auto loans and signature loans with our Relationship Pricing.  See how!

Auto Loans: For example, on a new or used auto loan for $15,000 at 3.49% APR for 60 months, you would make 60 payments of $273.00.
Recreational Vehicles: For example, on a new or used recreational vehicle loan for $30,000 at 7.49% APR for 120 months, you would make 120 payments of $357.00.

*The rate you pay depends upon your credit history, term and LTV and not all borrowers will qualify for the lowest rate.  


Signature Loans: For example, on a signature loan for $5,000 at 9.99% APR for 60 months, you would make 60 payments of $107.00.

*All loans are subject to credit approval.  Advertised rates are subject to change without notice. Verification of income may be required. 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. 

EFCU NMLS#102973/Centennial Lending NMLS#:3056

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After Hours Call:

1.800.528.2273- Domestic

1.812.647.9794- International

After Hours Call: 1.800.247.4222

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Call: 1.800.808.6402

Call: 1-800-600-5249

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First credit: Alloya Corporate Credit Union (Routing Number: #307087399);
Further credit: Electrical Federal CU (Routing Number: #302075416); Final credit to the member's account number.

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APR (%) = Annual Percentage Rate

APY=Annual Percentage Yield

Routing Number: 302075416

NMLS# 1028973

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