Loan Rates

Effective August 1, 2017

Shown below are the various credit score categories that will be used to determine the rate a borrower will be charged for a new loan. The credit score is the main factor used by the Credit Union to determine the actual rate the member will pay. Rates shown in the first column (850 - 750) are the Credit Union's advertised rates. These rates may not include information on any special loans or programs being offered from time to time. Be sure to read our "special note" at the bottom of this page. Loan rates shown equate to the Annual Percentage Rate (APR) through the maturity date.

Unsecured Loans

Credit (Beacon) Score:
850 - 750 749 - 700 699 - 650 649 - 600 599 - 500
Visa Credit Cards *
12.00% 12.00% 12.00% 12.00% 12.00%
Signature Loan (36 months)
7.00% 7.50% 8.00% 13.00% 18.00%
Signature Loan (48 months, $5,000+)
8.00% 8.50% 9.00% N/A N/A


New Vehicles (Includes Cars, Trucks, Boats and RV’s)

Credit (Beacon) Score:
850 - 750 749 - 700 699 - 650 649 - 600 599 - 500
60 months, up to 15,000 miles
2.00% 2.50% 3.00% 8.00% 13.00%
72 months, up to 15,000 miles
2.50% 3.00% 3.50% 8.50% 13.50%


Used Vehicles (Includes Cars, Trucks, Boats and RV’s)

Credit (Beacon) Score:
850 - 750 749 - 700 699 - 650 649 - 600 599 - 500
'16 - '12, 72 mo., up to 25,000 miles
3.00% 3.50% 4.00% 9.00% 14.00%
'16 - '12, 60 mo., 25,000 miles or more
2.50% 3.00% 3.50% 8.50% 13.50%
'11 - '08, 60 mo.
3.00% 3.50% 4.00% 9.00% 14.00%
'07 - '04, 36 mo.
4.50% 5.00% 5.50% 10.50% 15.50%
'03 - older, 36 mo
5.50% 6.00% 6.50% 11.50% 16.50%


Mortage Loans (First Mortgage, Owner Occupied)

Competitive market rates are available through our mortgage loan partner

CU Community - Home Loans



Deposit Account “Share” Secured Loans

Share Secured 2.0%
Certificate Secured 2.0% above the certificate rate

From time to time, we may offer a "special" loan that will have its own terms, features and requirements. Usually this loan type will be available for a limited time only, and offered at set times of the year. Please check with us to from time to time to see what is currently available.

Please note that additional underwriting quidelines must be met before the borrower can be approved for a loan. Also, the above score numbers are based on the Fair Isaac Beacon Score the EPB Employees Credit Union obtains from ChoiceDATA/Equifax.

* Credit Card loans require a monthly payment that will pay the interest due AND reduce the principal balance by 5%. The payments shown above reflect the first full monthly payment only. The term usually calculates to be approximately an 18-month amortization (as long as payments are made and no additional charges are added to the balance).

SPECIAL NOTE: On New and Used Vehicle Loans, if your loan-to-collateral value is 80% or less, then the above rates will be lowered by 0.50%. Collateral value is usually determined from invoice, appraisal report, NADA or New Car Cost Guide publications.