Current Loan Rates
Everyone's Federal Credit Union is an equal opportunity lender. Excluding organizations, any member of this credit union, 18 years or older, is eligible for obtaining a loan within the guidelines of the overall policy.
We offer a Risk-based Pricing loan product. This means loans will be classified into 6 grades. Grade "A+" being the best credit grade available. Interest rates will vary based on the credit grade. "A+" credit grade will be charged the lowest interest rates and "E" credit grade will be charged a higher interest rate. This way of lending allows us to help members even if a member's credit has a few imperfections.
All credit union loans are simple interest rates. Loans are made at competitive rates in accordance with policies established by the Board of Directors. Loans are granted on credit history, beacon score, need and the ability to repay. Interest is applied to the unpaid balance each time a payment is made.
We must have current application information and your last paystub with each loan request.
Currently, we offer the following:
- Signature/Personal - member simply signs loan documents.
- Share Secured-member uses money in share accounts to secure loan.
- Share Certificate Secured-member uses share certificate to secure loan.
- New Vehicle
- Used Vehicle
- Recreational Vehicles
- Mobile Home Title Loans
- Real Estate
We also offer:
- Credit Life Insurance
- Disability Insurance
- Gap Insurance
- Mechanical Repair Coverage
Special Loan Sale Promotions are offered throughout the year.
*APR is the Annual Percentage Rate
All Interest Rates Are Subject To Change Without Notice Based on Current Market Factors.
This page is intended as an advertisement and an information sheet and is not a disclosure. If you wish further disclosures, please contact the loan department @ 575-461-0433 Press 2.