Rates

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%

Includes Passenger,Custom, Cargo Vans, Pickups. Maximum Loan Amount: MSRP (Manufacturer’s Suggested Retail Price) Verification of 6-month Collision Insurance Coverage. Maximum Term: 84 months
¹Over $18,000
²Available to Qualifying Members Only, Over $25,000

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%

Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 100% of NADA Retail Value. Maximum Term: 75 months

Used Auto (6 model years or older)

Term	APR* as low as
36 Months	5.00%

Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 80% of NADA Retail Value. Maximum Term: 36 months

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

³Models listed in current NADA Guide.
⁴Never registered, regardless of year or current model year refinanced within 60 days of purchase.

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

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	10.50%	$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)	3.50%	Fixed
10 Year (120 months)	3.80%	Fixed
15 Year (180 months)	4.00%	Fixed
30 Year Rate (90% Financing)	3.50%	Fixed for first 5 years then adjustable
30 Year Rate (95% Financing)	4.00%	Fixed for first 5 years then adjustable
30 Year Rate (90% Financing)	3.65%	Fixed for first 7 years then adjustable
30 Year Rate (95% Financing)	4.05%	Fixed for first 7 years then adjustable
30 Year Rate (90% Financing)	3.80%	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	6.25%	Up to 180 months
HELOC	5.75% Variable	180 months

**Please call the Mortgage Department for current Mortgage Rates at 205-226-3900 (Rates are listed as low as)

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 as shown include a .25% reduction for payments that are electronically drafted.
Rates are current as of April 23rd, 2020.
Consumer Loan Rates
*Annual Percentage Rate