Rates

New Auto (Current or up to 2 yrs. old)

Term	APR* as low as
36 Months	3.75%
48 Months	4.00%
60 Months	4.50%
72 Months	4.75%
84 Months1	5.25%

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

Rates as shown include a .25% reduction for payments that are electronically drafted.

Used Auto (3 model years to 5 model years old)

Term	APR* as low as
36 Months	4.25%
48 Months	4.50%
60 Months	4.75%
72 Months	5.50%
84 Months	6.00%

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.

Rates as shown include a .25% reduction for payments that are electronically drafted.

Used Auto (6 model years or older)

Term	APR* as low as
36 Months	6.25%
48 Months	6.75%

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.

Rates as shown include a .25% reduction for payments that are electronically drafted.

Motor Homes & Trailers

Type of Loan	APR* as low as	Max. Loan Amount	Maximum Term
New Motor Homes	7.50%	100% of Purchase Price	120 months
Used Motor Homes	8.50%	Used Retail Value	120 months
New Travel Trailers	7.50%	100% of Purchase Price	120 months
Used Travel Trailers	8.50%	Used Retail Value	84 months

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

Rates as shown include a .25% reduction for payments that are electronically drafted.

Motorcycles, Boats & Personal Watercrafts

Type of Loan	APR* as low as	Max. Loan Amount	Maximum Term
New Motorcycle5	5.75%	100% of Purchase Price	72 months
Used Motorcycle	6.75%	Used Retail Value	60 months
New Boats & Personal Watercrafts4	5.75%	100% of Purchase Price	72 months
Used Boats & Personal Watercrafts	6.75%	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.

Rates as shown include a .25% reduction for payments that are electronically drafted.

Signature Loans

Type of Loan	APR* as low as	Max. Loan Amount	Maximum Term
Closed End	10.75%		60 months
Overdraft Protection	12.90%		Open
Single-Payment	10.00%	$10,000.00	3 months

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

Rates as shown include a .25% reduction for payments that are electronically drafted.

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)	4.75%	Fixed
10 Year (120 months)	5.25%	Fixed
15 Year (180 months)	5.75%	Fixed
30 Year Rate (90% Financing)	5.00%	Fixed for first 5 years then adjustable
30 Year Rate (95% Financing)	5.50%	Fixed for first 5 years then adjustable
30 Year Rate (100% Financing)*	6.25%	Fixed for first 5 years then adjustable
30 Year Rate (90% Financing)	5.25%	Fixed for first 7 years then adjustable
30 Year Rate (95% Financing)	5.75%	Fixed for first 7 years then adjustable
30 Year Rate (90% Financing)	6.00%	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*	7.25% Variable	180 months
No Cost Home Equity*	6.75%	180 months
Land	6.75%	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 November 1, 2022.
**Annual Percentage Rate