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