Rates

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Rates as of 01/01/2024

Checking^1,2 Account
	Dividend Rate	APY¹	Minimum
¹APY = Annual Percentage Yield. Rates are subject to change after account opening. ²Fees may reduce earnings. Minimum amount is minimum account balance to earn interest.
Checking	Dividend Rate 0.01%	APY¹ 0.01%	Minimum $2,500

Savings Accounts
Savings Type	Dividend Rate	APY¹	Minimum
¹APY = Annual Percentage Yield. Rates are effective as of 11/01/2023. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. ³An HSA has a $25 set-up fee. ²Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes.
Savings Type Prime Share Savings	Dividend Rate 0.06%	APY¹ 0.06%	Minimum $100
Savings Type Change Up^® Savings	Dividend Rate 0.51%	APY¹ 0.51%	Minimum $0
Savings Type HSA³ (Health Savings Account)	Dividend Rate 0.76%	APY¹ 0.76%	Minimum $100
Savings Type Special & Club Savings Accounts	Dividend Rate 0.06%	APY¹ 0.06%	Minimum $100
Savings Type Saver’s Sweepstakes^®2	Dividend Rate 0.20%	APY¹ 0.20%	Minimum $0

Business Savings Account
Type	Dividend Rate	APY¹	Minimum Balance Required to Earn APY	Minimum to Open
Type Prime Share Savings	Dividend Rate 0.06%	APY¹ 0.06%	Minimum Balance Required to Earn APY $100.00	Minimum to Open $5.00

Premium Money Market² (Regular & IRA Accounts)
Type	Dividend Rate	APY¹	Minimum
¹APY = Annual Percentage Yield. Rates are effective as of 11/01/2023. Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. ²For Premium Money Market the minimum to open account is $10,000. ⁵Minimum Deposit—$10,000. Account balance cannot drop below $10,000.
Type Premium Money Market⁵	Dividend Rate 1.366%	APY¹ 1.375%	Minimum $10,000
Type Premium Money Market	Dividend Rate 2.716%	APY¹ 2.750%	Minimum $100,000
Type Premium Money Market	Dividend Rate 4.049%	APY¹ 4.125%	Minimum $250,000

High Yield Money Market (Regular & IRA⁴ Accounts)
Account Type	Dividend Rate	APY¹	Minimum
¹APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. ¹³Regular account minimum deposit—$1,000. $10 fee per month for daily balances below $1,000. ⁴IRA minimum deposit: $25
Account Type High Yield Money Market	Dividend Rate 0.06%	APY¹ 0.06%	Minimum <$2,500
Account Type High Yield Money Market	Dividend Rate 0.08%	APY¹ 0.08%	Minimum $2,500
Account Type High Yield Money Market	Dividend Rate 0.11%	APY¹ 0.11%	Minimum $10,000
Account Type High Yield Money Market	Dividend Rate 0.14%	APY¹ 0.14%	Minimum $25,000
Account Type High Yield Money Market	Dividend Rate 0.19%	APY¹ 0.19%	Minimum $50,000

Share Certificates¹¹ (Regular & IRA Accounts)
Type	Dividend Rate²	APY¹
¹APY = Annual Percentage Yield. Rates are effective as of 11/01/2023. ²Fees could reduce earnings on the account. ¹¹Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal.
Type 91 Days	Dividend Rate² 1.788%	APY¹ 1.80%
Type 182 Days	Dividend Rate² 1.887%	APY¹ 1.90%
Type 275 Days (Add-on)	Dividend Rate² 1.936%	APY¹ 1.95%
Type 1 Year	Dividend Rate² 2.231%	APY¹ 2.25%
Type 18 Months	Dividend Rate² 2.329%	APY¹ 2.35%
Type 2 Years	Dividend Rate² 2.575%	APY¹ 2.60%
Type 30 Months (Add-on)	Dividend Rate² 2.624%	APY¹ 2.65%
Type 3 Years	Dividend Rate² 2.722%	APY¹ 2.75%
Type 4 Years	Dividend Rate² 2.820%	APY¹ 2.85%
Type 5 Years	Dividend Rate² 2.967%	APY¹ 3.00%
Type 15 Month CD Special	Dividend Rate² 4.909%	APY¹ 5.00%

Rates as of 01/01/2024

Visa^® Credit Cards
CARD TYPE	APR¹	Payment per $1,000
¹APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed. ¹³Visa^® Platinum rates start at 10.90%. Subject to credit approval. ¹⁴Visa^® Signature variable rates start at 7% over Prime Rate. Subject to credit approval.
CARD TYPE Visa^® Platinum Card¹³	APR¹ 10.90%	Payment per $1,000 $20.00
CARD TYPE Visa^® Signature Card - Cash Back Card¹⁴	APR¹ Starting at 15.50%*	Payment per $1,000 $25.00

Mortgage Rates as of 01/23/2024 | 30-day rate lock expires 02/22/2024

Fixed Rate Mortgage Loans
Type	RATE	APR²	Payment per $1,000	POINTS¹
Minimum mortgage loan of $30,000 \| Min. credit score 620 ¹Mortgage points, or discount points are a form of prepaid interest you can choose to pay up front in the exchange for a lower rate and monthly payment. One mortgage point is equal to about 1% of your loan amount. ²APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty.
Type 30- Year Fixed	RATE 6.500%	APR² 6.556%	Payment per $1,000 $6.33	POINTS¹ 0.00%
Type 30- Year Buydown¹	RATE 6.125%	APR² 6.180%	Payment per $1,000 $6.08	POINTS¹ 1.05%
Type 20- Year Fixed	RATE 6.250%	APR² 6.323%	Payment per $1,000 $7.32	POINTS¹ 0.00%
Type 15- Year Fixed	RATE 6.000%	APR² 6.091%	Payment per $1,000 $8.45	POINTS¹ 0.00%
Type 10- Year Fixed	RATE 5.750%	APR² 5.879%	Payment per $1,000 $10.98	POINTS¹ 0.00%

Adjustable Rate Mortgage Loans (ARMs)
Type	RATE	APR¹	Payment per $1,000
30 Year amortization \| Closing costs = $1,500 ¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 2/1 ARM means that the first two years have a locked APR set at closing. The rate can then change by 1% after the first two years and every year after. The rate cannot increase more than 8% during the life of the loan. 5/1 ARM means that the first five years have a locked APR set at closing. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan. Investments 1% higher on the current ARM rate \| $1,800 closing cost
Type 2/1	RATE 5.875%	APR¹ 5.929%	Payment per $1,000 $5.92
Type 5/1*	RATE 6.000%	APR¹ 6.055%	Payment per $1,000 $6.00

Educators Special (10-Year Fixed Refinance)
TERM	RATE	APR¹	PAYMENT PER $1000
10 Year fixed refinance \| Closing costs = $500 Max. loan amount $249,999.00 Refinance loan amounts equal to or under $249,999 at 80% LTV ¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval.
TERM 10 Year Fixed	RATE 5.750%	APR¹ 5.860%	PAYMENT PER $1000 $10.98

VA Mortgage Products
Type	RATE	APR¹	Payment per $1,000
No down payment required \| $1,500 closing costs Min. credit score 620 \| Certificate of Eligibility required ¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.
Type 15 Year Fixed	RATE 6.000%	APR¹ 6.091%	Payment per $1,000 $8.45
Type 30 Year Fixed	RATE 6.250%	APR¹ 6.305%	Payment per $1,000 $6.16

Homes for Habitat
Type	RATE	APR¹	Payment per $1,000
No closing costs \| No credit score requirement Habitat for Humanity referral required \| 20 and 30 Year amortization ¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required. No closing costs. No credit score requirement.
Type Fixed Rate	RATE 6.500%	APR¹ 6.500%	Payment per $1,000 $6.33

First-Time Homebuyers Programs With No Closing Costs
5/5 ARM²	RATE	APR¹	PAYMENT PER $1000
¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty. ²90% LTV \| 30 Year amortization (based on $100K loan amount) \| Min. credit score 660 ³90% LTV \| As a 15 Year fixed (based off $10K loan amount) Min. credit score 660 Single family owner occupied homes only. Contact us for more information about investment properties or non-owner occupied homes.
5/5 ARM² Max. second mortgage 5% LTV	RATE 6.250%	APR¹ 6.250%	PAYMENT PER $1000 $6.16
5/5 ARM² Max. second mortgage 7% LTV	RATE 6.375%	APR¹ 6.375%	PAYMENT PER $1000 $6.25
5/5 ARM² SECOND MORTGAGE³	RATE RATE	APR¹ APR¹	PAYMENT PER $1000 PAYMENT PER $1,000
5/5 ARM² Max. second mortgage 5% LTV	RATE 8.875%	APR¹ 8.875%	PAYMENT PER $1000 $10.08
5/5 ARM² Max. second mortgage 7% LTV	RATE 9.125%	APR¹ 9.125%	PAYMENT PER $1000 $10.23

Community Heroes Home
5/5 ARM	RATE (0.000 PTS)	APR¹	COST PER $1000
99% LTV \| 30 Year amortization \| Min. credit score 740+ Occupation restrictions apply \| No closing costs ¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty. Single family owner occupied homes only. Contact us for more information about investment properties or non-owner occupied homes
5/5 ARM PMI required over 80% LTV	RATE (0.000 PTS) 6.125%	APR¹ 6.125%	COST PER $1000 $6.08

Construction Loans
Type	RATE	APR¹	PAYMENT PER $1000
¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. ²1 Year term with conversion to 5 Year ARM after completion Max. 90% LTV \| $1,500 closing cost + cost of title ³1 Year term with conversion to fixed rate after completion Max. 95% LTV \| $1,500 closing cost + cost of title PMI over 80% LTV
Type Construction²	RATE 6.000%	APR¹ 6.115%	PAYMENT PER $1000 $6.00
Type Fixed³	RATE 6.500%	APR¹ 6.619%	PAYMENT PER $1000 $6.33

Lot Loans
Type	RATE	APR¹	PAYMENT PER $1000
¹APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. ²2 Year ARM minimum $25K (APR based on $100K) 15 Year amortization \| $1,500 closing cost. Max. 90% LTV on purchases and Max. 80% on refinance.
Type Lot Loans²	RATE 5.875%	APR¹ 5.966%	PAYMENT PER $1000 $8.38

Fixed Home Equity Loans
Loan to Value	APR¹ as low as	Payment per $1,000
Normal closing cost approximately $161 (for title search and recording) unless appraisal is needed. For approval, an appraisal or tax statement value is needed. Appraisal may be required.
Loan to Value 80% or less	APR¹ as low as 6.20%	Payment per $1,000 $19.43
Loan to Value 81%-90%	APR¹ as low as 8.15%	Payment per $1,000 $20.36
Loan to Value 91%-100%	APR¹ as low as 9.65%	Payment per $1,000 $21.09

Home Equity Line of Credit (HELOC)
Loan to Value	APR¹⁵
⁵APR is a variable rate. Max APR is 17.9%. Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply.
Loan to Value <80% LTV²	APR¹⁵ 7.99%
Loan to Value 81%-90% LTV²	APR¹⁵ 9.49%
Loan to Value 91%-100% LTV²	APR¹⁵ 10.49%

Rates as of 01/01/2024

Auto And Other Secured Loans⁶
Type	Vehicle Year	APR¹ as low as	Payment Per $1,000⁷
¹APR = Annual Percentage Rate. ⁶Financing up to 105% of approximate retail value. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. ⁷Payment per $1,000 borrowed based on 36-month term and stated rate.
Type New	Vehicle Year 2023-2025	APR¹ as low as 6.20%	Payment Per $1,000⁷ $30.52
Type Used*	Vehicle Year 2015-2022	APR¹ as low as 6.54%	Payment Per $1,000⁷ $30.68
Type Older	Vehicle Year 2009-2014	APR¹ as low as 10.69%	Payment Per $1,000⁷ $32.60

Rates as of 01/01/2024

Personal & Student Loans
Type	APR¹ as low as	Payment per $1,000 as low as	Maximum Term⁸
APR¹ = Annual Percentage Rate. Share Savings Secured Rate is 3% above the current Savings Rate. ⁸Payment per $1,000 borrowed based on maximum terms and stated rate. ⁹Rates and terms may vary based on credit score and final loan amount. Share Savings Secured rate is 3% above current Savings rate. Other restrictions may apply.
Type Unsecured Personal Loan	APR¹ as low as 10.90%	Payment per $1,000 as low as $21.71	Maximum Term⁸ 5 Years
Type Share Savings Secured⁹	APR¹ as low as 3.06%	Payment per $1,000 as low as $18.00	Maximum Term⁸ 5 years
Type Share Certificate Secured	APR¹ as low as 3% over Share Certificate Rate	Payment per $1,000 as low as -	Maximum Term⁸ Certificate Term
Type LendKey Consolidation Loan	APR¹ as low as 7.75%	Payment per $1,000 as low as $9.43	Maximum Term⁸ 15 Years
Type LendKey In-School Loan	APR¹ as low as 7.75%	Payment per $1,000 as low as $9.43	Maximum Term⁸ 15 Years
Type Credit Rebuilder Loan ($2,000 max.)	APR¹ as low as 19.90%	Payment per $1,000 as low as $37.10	Maximum Term⁸ 1-3 Years
Type Rapid Relief	APR¹ as low as 19.90%	Payment per $1,000 as low as $176.37	Maximum Term⁸ 6 Months

Disclosures

APY = Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change after account opening.
APR = Annual Percentage Rate. Rates are subject to change without notice. Actual rates, terms and/or loans amounts are subject to credit approval.
Other restrictions may apply. Call 262.886.5900 or visit www.ecu.com/rates for more information.

APR = Annual Percentage Rate. Rates are anticipated and subject to change without notice. Other restrictions may apply. Call 262.886.5900 or visit ecu.com for latest rates.
The interest on a loan that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Members should consult a tax professional regarding the tax deduction of their mortgage interest and charges.
Property insurance is required on all mortgages

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