Deposit & Loan Rates
Effective Date: December 30, 2025
Deposit Rates
Share Deposit Rates
| Account Type | Rate | APY* |
|---|---|---|
| Shares | 0.01% | 0.01% |
| Drafts | 0.04% | 0.04% |
| ** Money Markets | 2.00% | 2.00% |
| IRA Savings | 2.00% | 2.00% |
*APY=Annual Percentage Yield
Share rates (except Money Markets) are determined at the end of each calendar quarter for that quarter. The rates shown above were declared by the Board of Directors at their December 2026 board meeting. They were paid December 31, 2025 for the 4rd Quarter 2025
**Money Market Rates are paid monthly on the last day of the month.
Certificate Rates
| Certificate Type | Rate | APY* |
|---|---|---|
| 3-Month CD | 0.10% | 0.10% |
| 6-Month CD | 3.95% | 3.95% |
| 1-Year CD | 3.75% | 3.75% |
| 1 1/2 Year-CD | 3.75% | 3.75% |
| 2-Year CD | 3.50% | 3.50% |
| 2 1/2-Year CD | 2.95% | 2.95% |
| 3-Year CD | 3.00% | 3.00% |
| IRA CD | 3.00% | 3.00% |
| Christmas Club Account | 2.00% | 2.00% |
| Money Market Account | 2.00% | 2.00% |
APY=Annual Percentage Yield
NOTE: Certificate rates reflect quarterly compounding. The monthly withdrawal of interest will result in a lower yield. A pre-mature withdrawal of principle will result in the assessment of an interest penalty. Rates are subject to change before being updated on this web page.
Loan Rates
Unsecured Loans
| Credit Score: | 850-750 | 749-700 | 699-650 | 649-600 | 599-500 |
|---|---|---|---|---|---|
| Visa Credit Cards* | 12.00% | 12.00% | 12.00% | N/A | N/A |
| Signature Loans (36 months) | 10.25% | 10.75% | 11.25% | 16.25% | 18.00% |
| Signature Loans (48 months, $5,000+) | 10.50% | 11.00% | 11.50% | N/A | N/A |
New Vehicles (Cars, Trucks, Boats, & RVs)
| Credit Score: | 850-750 | 749-700 | 699-650 | 649-600 | 599-500 |
|---|---|---|---|---|---|
| 60 months, up to 15,000 miles | 5.00% | 5.50% | 6.00% | 11.00% | 16.00% |
| 72 months, up to 15,000 miles | 5.50% | 6.00% | 6.50% | 11.50% | 16.50% |
Used Vehicles (Cars, Trucks, Boats, & RVs)
| Credit Score: | 850-750 | 749-700 | 699-650 | 649-600 | 599-500 |
|---|---|---|---|---|---|
| 2024 -'20, 60 months. 25K miles or more | 6.00% | 6.50% | 7.00% | 12.00% | 18.00% |
| 2024 -'20, 72 months. up to 25K miles | 6.50% | 7.00% | 7.50% | 12.50% | 18.00% |
| '19 -'15, 60 months | 7.75% | 8.25% | 8.75% | 13.75% | 18.00% |
| '14 - '08, 36 months | 8.00% | 8.50% | 9.00% | 14.00% | 18.00% |
| '07 and older, 36 months | 9.00% | 9.50% | 10.00% | 15.00% | 18.00% |
Mortgage Loans (First Mortgage, Owner Occupied)
Competitive market rates are available through our mortgage loan partner, 7 Mortgage.
Home Equity Loan
| Credit Score: | 850-750 | 749-700 | 699-650 | 649-600 | 599-500 |
|---|---|---|---|---|---|
| HE Loan | 7.25% | 7.25% | 7.25% | N/A | N/A |
Savings & certificate secured loans
Use your EPBECU savings or certificate as collateral for a loan while keeping your money on deposit.
Savings Secured Loan: 2.00%
Certificate Secured Loan: Certificate rate + 2.00%
Special Loan Offers
From time to time, EPBECU may offer special loan promotions with their own rates, terms, and eligibility requirements. Check back here or contact us to see what’s currently available.
A few things to know: Loan approval and rates are subject to EPBECU’s lending and underwriting guidelines. Your approved rate may vary based on your credit history, loan type, term, collateral, and other applicable factors.
Save Even More on Your Auto Loan
Financing 80% or less of your vehicle’s value? You may qualify for a 0.50% rate discount from the applicable rate shown above. Vehicle value is determined using EPBECU’s approved valuation sources.
*Credit Card loans require a monthly payment that will pay the interest due AND reduce the principal balance by 5%. The payments shown above reflect the first full monthly payment only. The term usually calculates to be approximately an 18-month amortization (as long as payments are made and no additional charges are added to the balance).