Rates

 

 

NEW & USED Cars, Trucks, Vans, and Motorcycles*

LOANS
(APR* is based on credit score)

RATE RANGE

MAX TERM

New Vehicles (2018 or Newer Models)
Effective 01/19/2019

3.50% - 13.75%  72 mo.
Used Vehicles (1999 to 2017 Models)
Effective 01/19/2019

3.75% - 14.00% 

72 mo. 
Vehicles, Jet Ski, Furniture, Appliances, ATV's Off Road MC, Computers
Effective 01/19/2019
6.00% - 11.25% 36 mo.
Signature/ Personal Loan
Effective 01/19/2019
7.75% - 11.75%   36 mo.

New & Used Motorhomes
Effective 1/19/2019

5.25% - 8.25% 

 120 mo.

Savings

SAVINGS

DIVIDEND RATE

APY**

TERM

Regular Shares $25 to $2999
(Minimum to open acct. $25.00) Effective date 02/01/2013
.15% .15% n/a
Regular Shares $3000 and over
(Minimum to open acct. $25.00) Effective date 02/01/2013
.20% .20% n/a
IRAs (All Balances)  
Effective date 02/01/2018
.30% .30% n/a
Youth, Club, Vacation & Christmas Shares $25 to $2999
Effective date 02/01/2013
.15% .15% n/a

Youth, Club, Vacation & Christmas Shares $2999 and Over
Effective date 02/01/2013

.20% .20% n/a

SHARE CERTIFICATES

DIVIDEND RATE

APY**

 TERM 

 180 days Share Certificate $500 and Up
Effective 05/01/2019

 .80%

.80%

6 mo.

 365 days Share Certificate $500 and Up
Effective 05/01/2019

1.50%

1.51%

12 mo.

 730 days Share Certificate $500 and Up
Effective 05/01/2019

1.75%

1.76%

24 mo.

 1095 days Share Certificate $500 and Up
Effective 05/01/2019

2.25%

2.27%

36 mo.


EquiShare Credit Union has competitive rates and terms for home purchases, refinances, home equity

loans and home equity line of credit loans. Mortgage loan rates are subject to change daily. Please call

316 263 6171 option 4 to get the latest rate.


Share and Certificate Secured Loans

Term APR*
Percentage rate above Share or Certificate Dividend Rate Max Term cannot exceed term of Certificate Varies

Overdraft Protection

Notes

Interest rates listed are APR = annual percentage rate. All rates are subject to credit approval and are subject to change without notice. Rates apply to new ECU loans and refinances from other financial institutions. All rates listed are "as low as". Your rate and your term will be determined by your credit score and security offered.

All interest rates printed are fixed rates.

Maximum interest rate allowed on any type of loan is 21.00%.

Deductible for Full Insurance Coverage

For loans requiring full coverage insurance, the maximum deductible will be $1000.00. Any deductions over $1000.00 will require prior written approval by the credit union.

Late Payment Fee (Only on loans made after June 1, 1998)

Assessed when payment is more than 10 days past due.

Amount is 5.00% of unpaid amount of installment payment or $25.00, whichever is less.

Late payment fee is assessed on all types of loans.