Current Loan Rates
| Loan Options | Term | APR* | Min. Loan |
|---|---|---|---|
| New & Used Vehicles | 2-3 Years | 5.45% | $500 |
| New & Used Vehicles | 4 Years | 5.65% | $500 |
| New & Used Vehicles | 5 Years | 5.74% | $500 |
| New & Used Vehicles | 6 Years | 6.74% | $500 |
| Loan Options | Term | APR* | Min. Loan |
|---|---|---|---|
| Personal Loans | Up to 5 Years | 8.15% | $500 |
| Personal Line of Credit | Revolving | 11.65% Variable | $500 |
| Share Certificate Secured | Up to 120 mos | Secured Savings Rate + 2% | $500 |
| SpendFlex | Up to 9 mos | 15.00% | $80 |
* APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply. | |||
VISA Credit Card
| Terms | VISA Platinum Rewards |
|---|---|
| Limit | $25,000 |
| Annual Percentage Rate on Purchases | 11.24% Variable |
| Annual Percentage Rate on Balance Transfers | 11.24% Variable |
| Minimum Payment | 3% of Balance or $25 |
| Grace Period for Repayment of Balance of Purchase | 25 days |
| Method of Computing the Balance of Purchases | Average Daily Balance including current transaction |
| Annual Fee | No Annual Fee |
| Late Fee (10 days after Due Date) | $25 |
| Balance Transfer Fee | No Balance Transfer Fee |
| Cash Advance Fee | 3% |
| Rewards | 1.5% Cash Back |
| Cash back rewards are net of returns and exclude cash purchases such as PIN-based purchases and purchases of travelers checks, money orders, etc.. | |
| Loan Options | Rate | APR* |
|---|---|---|
| 7/6 Adjustable Rate Mortgage | 5.750% | 6.600% |
| Conventional 10-Year Fixed Rate | 5.253% | 5.858% |
| Conventional 15-Year Fixed Rate | 5.369% | 5.795% |
| Conventional 30-Year Fixed Rate | 6.298% | 6.562% |
| FHA 30-Year Fixed Rate | 5.745% | 6.156% |
All stated mortgage rates are effective as of 07/11/2025 and are based on a home rate/term refinance transaction loan amount of $187,500 with a property value of at least $250,000 and repayments term as stated. APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply. The stated APR is the lender’s standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual’s credit history and transaction specific underwriting factors. 30-year term = 360 months and applies to 30-year conventional and FHA loans. 15-year term = 180 months and applies to 15-year conventional loans. 10-year term = 120 months and applies to 10-year conventional loans. All loan programs, rates, terms and conditions are subject to change at any time without notice. Rate scenarios are based on a 30-day lock. | ||
EHL NMLS #404966
- 10-year Draw Period plus 5-year Repayment Period
- Maximum Annual Percentage Rate of 18.00%
- Minimum Loan of $10,000
- Maximum Loan of $200,000
- Typical Closing Costs Are Between $1,300 - $3,500
| Loan to Value | Rate | Margin | Floor |
|---|---|---|---|
| Less than 90% LTV | 6.990% | WSJ Prime -0.510% | 2.990% |
- Up to 15-year loan term
- Minimum Loan of $10,000
- Maximum Loan of $200,000
- Typical Closing Costs Are Between $1,300 – $3,500
| Loan to Value | APR* |
|---|---|
| 15-year term, Up to 90% LTV | 7.810% |
| 7-year term, Up to 90% LTV | 6.310% |
* APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply.
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