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Rates

New Auto (Current or up to 2 yrs. old)
Term APR* as low as
36 Months 5.00%
48 Months 5.15%
60 Months 5.25%
72 Months 5.75%
84 Months 6.75%

Includes Passenger,Custom, Cargo Vans, Pickups. Maximum Loan Amount: MSRP (Manufacturer’s Suggested Retail Price) 

All loans based on creditworthiness. Your actual rate may be higher.
1Available to Qualifying Members Only, Over $25,000

Used Auto (3 model years to 5 model years old)
Term APR* as low as
36 Months 5.10%
48 Months 5.25%
60 Months 5.50%
72 Months 6.25%
84 Months 6.90%

Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 120% of NADA Retail Value. 

All loans based on creditworthiness. Your actual rate may be higher.

Used Auto (6 model years or older)
Term APR* as low as
36 Months 6.25%
48 Months 6.35%

Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 100% of NADA Retail Value. 

All loans based on creditworthiness. Your actual rate may be higher.

Motor Homes & Trailers
Type of Loan APR* as low as Max. Loan Amount Maximum Term
New Motor Homes 7.00%  100% of Purchase Price 120 months
Used Motor Homes 7.75%  Used Retail Value 120 months
New Travel Trailers 7.00%  100% of Purchase Price 120 months
Used Travel Trailers 7.75%  Used Retail Value 84 months

All loans based on creditworthiness. Your actual rate may be higher.

Motorcycles, Boats & Personal Watercrafts
Type of Loan APR* as low as Max. Loan Amount Maximum Term
New Motorcycle5 6.50% 100% of Purchase Price 72 months
Used Motorcycle 7.50% Used Retail Value 60 months
New Boats & Personal Watercrafts4 6.50% 100% of Purchase Price 72 months
Used Boats & Personal Watercrafts 7.50% Used Retail Value 60 months

All loans based on creditworthiness. Your actual rate may be higher.

5Never registered, regardless of year.
4Never registered, regardless of year or current model year refinanced within 60 days of purchase.

Signature Loans
Type of Loan APR* as low as Max. Loan Amount Maximum Term
Closed End 10.90%   60 months
Overdraft Protection 13.90%   Open

All loans based on creditworthiness. Your actual rate may be higher.

Other Loans
Type of Loan APR* as low as Max. Loan Amount Maximum Term
Shares Pledged 2% Above Last Dividend Rate Shares = to loan balance 60 months
Certificate of Deposit 2% Above Rate  100% of Certificate minus the amount of interest due on One Payment Loans Maturity Date of CD
First Mortgages
Term Rate** Type
5 Year (60 months) 5.50% Fixed
10 Year (120 months) 6.00% Fixed
15 Year (180 months) 6.50% Fixed
30 Year Rate (90% Financing) 5.75% Fixed for first 5 years then adjustable
30 Year Rate (95% Financing) 6.50% Fixed for first 5 years then adjustable
30 Year Rate (100% Financing)* 7.00% Fixed for first 5 years then adjustable
30 Year Rate (90% Financing) 6.00% Fixed for first 7 years then adjustable
30 Year Rate (95% Financing) 6.75% Fixed for first 7 years then adjustable
30 Year Rate (90% Financing) 6.50% Fixed for first 10 years then adjustable

ēCO does not charge PMI on any mortgage products.

All loans based on creditworthiness. Your actual rate may be higher.
*ēCO's 100% financing option is available to first-time home buyers. 

Other Mortgage Loans
Loan Type Rate** Maximum Term
No Cost HELOC* 8.50% Variable 180 months
No Cost Home Equity* 8.00% 180 months
Land 7.75% 180 months

*ēCO pays all closing costs unless an appraisal is neccessary.

All loans based on creditworthiness. 

All rates expressed as Annual Percentage Rate (APR) and are subject to change without notice.  Please call our Loan Department at (205) 226-3900 for current rates.  We are an Equal Housing and Equal Opportunity Lender.
Rates are current as of February 6, 2025.


**Annual Percentage Rate