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EPB EMPLOYEES CREDIT UNION
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    • Share Savings >
      • Kasasa Saver
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Rates

Effective Date: September 1, 2023


Share Deposit Rates

Account Type
Rate
APY*
Shares
0.01%
0.01%
Drafts
0.04%
0.04%
​** Money Markets
1.00%
1.00%
IRA Savings
0.25%
0.25%
*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 March 2023 board meeting. They were paid March 31, 2023 for the 1st Quarter 2023. 
** 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
5.00%
5.00%
1-Year CD
5.00%
5.00%
1 1/2 Year-CD
5.00%
5.00%
2-Year CD
4.75%
4.75%
2 1/2-Year CD
4.75%
4.75%
3-Year CD
4.50%
4.50%
IRA CD
4.50%
4.50%
Christmas Club Account
2.50%
2.50%
Money Market Account
2.50%
2.50%
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.

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, RV's)

Credit Score:
850-750
749-700
699-650
649-600
599-500
60 months, up to 15,000 miles
6.25%
6.75%
7.25%
12.25%
17.25%
72 months, up to 15,000 miles
6.50%
7.00%
7.50%
12.50%
17.50%

Used Vehicles (Cars, Trucks, Boats, RV's)

Refinance Calculator
Credit Score:
850-750
749-700
699-650
649-600
599-500
2022 -'18,
72 months.
​up to 25K miles
7.25%
7.75%
8.25%
13.25%
18.00%
2022 -'18,
60 months.
25K miles or more
7.50%
8.00%
8.50%
13.50%
18.00%
'17 -'13,
​60 months
9.00%
9.50%
10.00%
15.00%
18.00%
'12 - '07,
​36 months
9.25%
9.75%
10.25%
15.25%
18.00%
'06 and older,
​36 months 
10.25%
10.75%
11.25%
16.25%
18.00%

Mortgage Loans (First Mortgage, Owner Occupied)

Competitive market rates are available through our mortgage loan partner, 7 Mortgage.
Click for Mortgage Information!

Home Equity Loan

Credit Score:
850-750
749-700
699-650
649-600
​599-500
HE Loan
6.50%
​6.50%
​6.50%
N/A
N/A

Deposit Account "Share" Secured Loans

Shared Secured, 2.0%
Certificated Secured, 2.0% above the certificate rate

From time to time, we may offer a "special" loan that will have its own terms, features and requirements. Usually this loan type will be available for a limited time only, and offered at set times of the year. Please check with us to from time to time to see what is currently available. 

Please note that additional underwriting quidelines must be met before the borrower can be approved for a loan. Also, the above score numbers are based on the Fair Isaac Beacon Score the EPB Employees Credit Union obtains from ChoiceDATA/Equifax. 

* 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). 

SPECIAL NOTE: On New and Used Vehicle Loans, if your loan-to-collateral value is 80% or less, then the above rates will be lowered by 0.50%. Collateral value is usually determined from invoice, appraisal report, NADA or New Car Cost Guide publications.

Location

1500 McCallie Avenue
​Chattanooga, TN 37404 USA

Phone: (423) 648-3413
​Fax: (423) 698-2912

Contact Us

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RATES

  • Home
  • Join Us!
    • Membership
    • Become a Member!
    • About Us
    • Board and Staff
    • Careers
  • Loans
    • New Vehicle Loans
    • Used Vehicle Loans
    • Share Secured Loans
    • Mortgages
    • Home Equity Line of Credit
    • VISA Credit Card
    • Signature Loans
    • Sallie Mae Student Loans
  • Accounts
    • Share Savings >
      • Kasasa Saver
    • Share Draft / Checking Account >
      • Kasasa Cash Checking
      • Kasasa Cash Back Checking
      • Kasasa Tunes Checking
    • Club Savings
    • Money Market
    • Certificates
    • IRA
    • Accounts for Minors
  • Services
    • Virtual Banking Next! & E-Statements
    • Mobile Banking
    • Co-Op ATM Network
    • Insurance Services
    • Visa Debit Card
    • Banking Conveniences
    • Shop for a Car
  • Rates & Fees
    • Rates
  • Member Discounts
  • Scholarship
  • Premium Text Notifications