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Rates

New Auto (Current or up to 2 yrs. old)
Term APR* as low as
36 Months 2.00%
48 Months 2.10%
60 Months 2.40%
72 Months 2.90%
84 Months1 3.51%

Includes Passenger,Custom, Cargo Vans, Pickups. Maximum Loan Amount: MSRP (Manufacturer’s Suggested Retail Price) 
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 2.35%
48 Months 2.65%
60 Months 2.95%
72 Months 3.25%
84 Months 3.86%

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

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 3.75%
48 Months 4.25%

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

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 3.75%  100% of Purchase Price 120 months
Used Motor Homes 4.75%  Used Retail Value 120 months
New Travel Trailers 3.75%  100% of Purchase Price 120 months
Used Travel Trailers 4.75%  Used Retail Value 84 months

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 3.75% 100% of Purchase Price 72 months
Used Motorcycle 4.75% Used Retail Value 60 months
New Boats & Personal Watercrafts4 3.75% 100% of Purchase Price 72 months
Used Boats & Personal Watercrafts 4.75% Used Retail Value 60 months

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 8.49%   48 months
Overdraft Protection 12.90%   Open
Single-Payment 9.95% $10,000.00

3 months

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 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
First Mortgages
Term Rate** Type
5 Year (60 months) 2.75% Fixed
10 Year (120 months) 2.90% Fixed
15 Year (180 months) 3.00% Fixed
30 Year Rate (90% Financing) 2.75% Fixed for first 5 years then adjustable
30 Year Rate (95% Financing) 3.25% Fixed for first 5 years then adjustable
30 Year Rate (100% Financing)* 3.75% Fixed for first 5 years then adjustable
30 Year Rate (90% Financing) 3.00% Fixed for first 7 years then adjustable
30 Year Rate (95% Financing) 3.50% Fixed for first 7 years then adjustable
30 Year Rate (90% Financing) 3.10% Fixed for first 10 years then adjustable

ēCO does not charge PMI on any mortgage products.
*ēCO's 100% financing option is available to first-time home buyers. Through June 30, 2021, 100% financing is also available to qualified borrowers.

Other Mortgage Loans
Loan Type Rate** Maximum Term
2nd Mortgage Fixed 4.25% 180 months
HELOC 3.25% Variable 180 months
No Cost HELOC 3.25% Variable 180 months
No Cost Home Equity 3.25% 180 months
Land 6.25% 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 are current as of February 23, 2021.
Consumer Loan Rates
*Annual Percentage Rate