LOAN RATES
Current Loan Rates – Competitive rates and terms to fit your budget.
At Eastmill FCU we strive to offer the most competitive rates and terms to suit our members financial needs and budget.
*Rates subject to credit approval, terms and conditions subject to change at any time, based on individual creditworthiness. APR = Annual Percentage Rate, “maximum loan and maximum line amount” subject to approval, “as low as” subject to creditworthiness. Accurate as of 9/23/26 subject to change at any time.*
Loan Rates:
Effective Date: 10/01/2026
Auto Loans
Auto Loans* (as low as)
| Collateral Year | Up to 36 mo. | 37-48 mo. | 49-63 mo. | 64-72 mo. | 73-84 mo. (>25K) |
|---|---|---|---|---|---|
| 2022-2026 | 4.00% | 4.40% | 4.50% | 4.70% | 5.50% |
| 2018-2021 | 4.90% | 5.15% | 5.40% | 5.80% | |
| 2014-2017 | 6.75% | 6.75% |
Camper, Recreational Vehicle and Tractor Loans* (as low as)
| Collateral Year | Up to 36 mo. | 37-48 mo. | 49-63 mo. | 64-72 mo. | 73-144 mo. (>40K) |
|---|---|---|---|---|---|
| 2022-2026 | 4.25% | 4.65% | 4.75% | 4.95% | 5.75% |
| 2018-2021 | 5.15% | 5.40% | 5.65% | 6.05% | |
| 2014-2017 | 7.00% | 7.00% |
*Tractors have a max term of 84 months
*Rec Vehicles have a max term of 72 months
*Motor Coach, travel trailer, campers & boats max term is 144 months and if the loan is less than 10K max. term is 60 months.
*.15% Discount for Direct Deposit into EMFCU
.10% Discount for auto pay from EMFCU acct.
Other Consumer Loans
Unsecured Loans
Personal Loans (as low as)
| Up to 36 | 37-48 | 49-60 |
|---|---|---|
| 8.50% | 9.50% | 10.50% |
Energy Loans
| Term | Rate | Max Loan Amount |
|---|---|---|
| 12 Months | 2.99% | $3,000 |
Visa® Credit Cards
| Rate Type | Rate | Max Line of Credit |
|---|---|---|
| Fixed Rate | 9.90% | $10,000 |
Pledged Loans
| Share | Certificate |
|---|---|
| 120 Month max term | 60 Month Max term |
| 3.00% | 3% above CD Rate |
Heavy Equipment
| Term | New | Used |
|---|---|---|
| 48 Months | 6.50% | 7.00% |
| 60 Months | 6.75% | 7.25% |
Christmas Loans
| Term | Rate | Maximum Loan Amount |
|---|---|---|
| 12 Month Term | 3.99% | $3,000 Maximum loan amount |
.10% Discount for auto pay from EMFCU account
Discount does not apply to heavy equipment
Real Estate Rates
Please call 207-746-3428 or contact us for rates.
