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Rates

Effective – 5/14/2018

Certificate PlanRate
91 Days0.30
6 Months0.55
12 Months1.05-1.15
18 Months1.15-1.16
24 Months1.35-1.36
30 Months1.40-1.41
36 Months2.05-2.07

General Policy Statement: This policy outlines the rates for all consumer loans with Everglades Federal Credit Union

Effective 04/01/2018

Loan TypeTier 1Tier 2Tier 3Tier 4Tier 5
Credit Grade/Score675+ = A600-674=B550-599=C+525-549=C-524 & Below = D
Unsecured10%12%14%16%18%
New Auto3.99%4.99%6.99%7.99%8.99%
Used Auto4.99%5.99%7.99%8.99%9.99%
New Boat3.99%4.99%6.99%7.99%8.99%
Used Boat4.99%5.99%7.99%8.99%9.99%
Motorcycles6.99%7.99%8.99%9.99%10.99%
Used Motorcycles7.99%8.99%9.99%10.99%11.99%
New Motor Home4.99%5.99%6.99%7.99%8.99%
Used Motor Home5.99%6.99%7.99%8.99%9.99%
Classic Autos4.99%5.99%6.99%7.99%8.99%
New Harley Davidson5.99%6.99%7.99%8.99%9.99%
Used Harley Davidson6.99%7.99%8.99%9.99%10.99%
Watercraft’s/Seadoo8.99%9.99%10.99%11.99%12.99%
ATV/Dirtbikes8.99%9.99%10.99%11.99%12.99%
Homeade Airboat8.99%9.99%10.99%11.99%12.99%
Chattel Loans10%12%14%16%18%
Share SecuredPrime Share Rate + 4%
CDsCert Rate + 2%
LOCPrime + 3.50%
Home EquitysPrime + 1.5%
Lot Loans Improved 90%6.99%7.99%8.99%9.99%10.99%
Lot Loans Unimproved 75% LTV7.99%8.99%9.99%10.99%11.99%
New DW M.H. w/land7.99%
Used DW M.H. w/land8.99%
New Single Wide MH w/land*7.99%
Used Single Wide MH w/land*8.99%
New DW / Park Only*8.99%
New SW / Park Only*8.99%
Used DW / Park Only*9.99%
Used SW / Park Only*9.99%
Second Mortgages 80% LTVSee Daily Rate Sheet
PRIME RATE6/15/20185.00%

*Member may qualify for .50% off with Special Rate (excluding Real Estate, VISA, and LOC) MH w/o land do qualify

**Member may qualify for .50% discount for 90% financing

***Member may qualify for 1% discount for 80% financing

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