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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) 3.75% Fixed
10 Year (120 months) 4.10% Fixed
15 Year (180 months) 4.25% Fixed
30 Year Rate 3.75% Fixed for first 5 years then adjustable
30 Year Rate (100% Financing6) 4.75% Fixed for first 5 years then adjustable
30 Year Rate 3.90% Fixed for first 7 years then adjustable
30 Year Rate 4.05% Fixed for first 10 years then adjustable

6eCO finances 100% of the sales price, up to the appraised value. No cash out.

Other Mortgage Loans
Loan Type Rate** Term
Quick Equity Loan Fixed (1st or 2nd Mortgage) 5.25% 84 months
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 205-226-3902 (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 November 8th, 2019.
Consumer Loan Rates
*Annual Percentage Rate