Loan rates

Everence Federal Credit Union, NMLS #403410 

The loan product and rate information is current as of the date shown. EFCU may offer other rates and terms or amend such rates and terms. Rates are subject to change without notice and established each quarter by the Board of Directors. Your rate may vary based on factors such as your credit history and payment method. 

¹ Lowest current rates are listed.

² Cardholders are subject to a foreign transaction fee of 1% for any transaction completed by any means with a person or business located outside of the U.S. including transactions effected while the cardholder is physically in the U.S. at the time of the transaction.

³ The introductory and sample variable annual percentage rate (APR) are based on new financing with an amount of $25,000. Applications are subject to approval. The variable rate APR adjusts monthly based on the prime rate published in The Wall Street Journal on the last business day of the month plus a margin based on loan to value and credit worthiness. Your APR will depend on credit and loan terms. Offer limited to 1st and 2nd mortgage liens on a 1-4 family residential property. Property insurance and/or flood insurance may be required. The maximum APR is 18%.  

⁴ To qualify for promotional rate, term loan must have minimum new money of at least $10,000.
Sample term: If you borrow $25,000 at 6.990% APR for a 10-year term your estimated monthly payment may be $290.14.
Sample term: If you borrow $25,000 at 7.240% APR for a 15-year term your estimated monthly payment may be $228.07.
Sample term: If you borrow $25,000 at 7.740% APR for a 20-year term your estimated monthly payment may be $205.08.