New Auto (Current or up to 2 yrs. old)
| Term |
APR* as low as |
| 36 Months |
2.14% |
| 48 Months |
2.24% |
| 60 Months |
2.54% |
| 72 Months1 |
3.04% |
| 84 Months2 |
3.65% |
Used Auto (3 model years to 5 model years old)
| Term |
APR* as low as |
| 36 Months |
2.79% |
| 48 Months |
3.09% |
| 60 Months |
3.39% |
| 75 Months |
3.69% |
Used Auto (6 model years or older)
| Term |
APR* as low as |
| 36 Months |
5.00% |
Motor Homes & Trailers
| Type of Loan |
APR* as low as |
Max. Loan Amount |
Maximum Term |
| New Motor Homes |
3.75% (Maximum $80,000) |
90% of List Price |
120 months |
| Used Motor Homes3 |
4.75% (Maximum $60,000) |
NADA used retail value |
120 months |
| New Travel Trailers4 |
3.75% (Maximum $70,000) |
85% of List Price |
120 months |
| Used Travel Trailers3 |
4.75% (Maximum $60,000) |
NADA used retail value. May Require Appraisal. |
84 months |
Motorcycles, Boats & Personal Watercrafts
| Type of Loan |
APR* as low as |
Max. Loan Amount |
Maximum Term |
| New Motorcycle5 |
3.75% |
Current Model Year |
72 months |
| Used Motorcycle |
4.75% |
100% of NADA Retail Value |
60 months |
| New Boats & Personal Watercrafts4 |
3.75% |
|
72 months |
| Used Boats & Personal Watercrafts |
4.75% |
|
60 months |
Signature Loans
| Type of Loan |
APR* as low as |
Max. Loan Amount |
Maximum Term |
| Closed End |
10.50% |
$10,000.00 |
24, 36, and 48 months |
| Overdraft Protection |
12.90% |
|
Open |
| Single-Payment |
9.95% |
$10,000.00 |
3 months
|
Other Loans
| Type of Loan |
APR* as low as |
Max. Loan Amount |
Maximum Term |
| Shares Pledged |
4.00% |
Shares = to loan balance |
60 months |
| Certificate of Deposit |
2% Above Rate (Minimum 4.00%) |
100% of Certificate minus the amount of interest due on One Payment Loans |
Maturity Date of CD |
| CoMaker |
11.90% |
$5,000.00 |
48 months |
| New Furniture |
9.25% |
$10,000.00 |
36 months |
VISA Credit Cards
| Type of Card |
APR* |
Grace Period |
Annual Fees |
| ēCO Platinum Preferred Plus VISA |
4.99% Introductory APR for the first 6 months; After that, your APR will be 7.49% |
25 days |
None |
| ēCO Platinum Preferred VISA |
4.99% Introductory APR for the first 6 months; After that, your APR will be 9.50% |
25 days |
None |
| ēCO Platinum VISA |
11.95 % APR |
25 days |
None |
|
ēCO Classic VISA
|
16.8 % APR |
25 days |
None |
| ēCO FORWARD VISA |
16.8 % APR |
25 days |
None |
| |
|
|
|
First Mortgages
| Term |
Rate** |
Type |
| 5 Year (60 months) |
3.00% |
Fixed |
| 10 Year (120 months) |
3.25% |
Fixed |
| 15 Year (180 months) |
3.50% |
Fixed |
| 30 Year Rate (90% Financing) |
3.00% |
Fixed for first 5 years then adjustable |
| 30 Year Rate (95% Financing) |
3.50% |
Fixed for first 5 years then adjustable |
| 30 Year Rate (90% Financing) |
3.25% |
Fixed for first 7 years then adjustable |
| 30 Year Rate (95% Financing) |
3.75% |
Fixed for first 7 years then adjustable |
| 30 Year Rate (90% Financing) |
3.50% |
Fixed for first 10 years then adjustable |
eCO does not charge PMI on any mortgage products.
Other Mortgage Loans
| Loan Type |
Rate** |
Term |
| 2nd Mortgage Fixed |
5.25% |
Up to 180 months |
| HELOC |
5.00% Variable |
180 months |