Featured Rates
View All RatesYEFCU members borrow for less
Have you been financially responsible? Members who meet certain credit standards receive the best loan rates. Our loan department is the perfect resource for finding ways to improve your credit score and determine your lending opportunities. u003c/spanu003e
YEFCU Signature Rates
| Loan Type | APR* |
|---|---|
| Purchases APR* | As Low as 7.99% |
| Balance Transfers APR* | As low as 7.99% |
| Cash Advances APR* | As low as 7.99% |
*APR=Annual Percentage Rate when you open your account, based on your creditworthiness. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau
**Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
*** Effective date January 11, 2023
A line of credit loan is a loan based on your income and obligations, no collateral needed! Apply for a line of credit now, so you have it available to you when you need it. Once your credit limit is set, you may request advances quickly and efficiently. Rates are lower than credit card finance charges, and there is no annual fee.
| Loan Type | Term | APR* |
|---|---|---|
| Signature Line of Credit** | 36 Months | As low as 6.50% |
*APR=Annual Percentage Rate. Utility Trailer Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
**Maximum loan amount or credit limit on unsecured lending is 25% of Gross Annual Income.
*** Effective date September 26, 2023
We also offer a loan that is specifically designed for you to easily pay off in order to build your credit. The maximum amount for a Credit Builder Loan is $1,500.
| Loan Type | Term | Rate |
|---|---|---|
| Credit Builder/Rebuilder | Up to 18 Months | 5.00% |
*APR=Annual Percentage Rate. Utility Trailer Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
**Maximum loan amount or credit limit on unsecured lending is 25% of Gross Annual Income.
*** Effective date September 26, 2023
At our Credit Union your signature alone is often all that is needed to grant a loan. We may lend you up to 25% of your gross annual income with either 36 or 60 months for repayment.
| Loan Type | Term | APR* |
|---|---|---|
| Signature | 36 Months | As low as 9.10% |
| Signature | 60 Months | As low as 9.35% |
*APR=Annual Percentage Rate. Utility Trailer Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
**Maximum loan amount or credit limit on unsecured lending is 25% of Gross Annual Income.
***Effective September 26, 2023
YEFCU members borrow for less.
One of the greatest benefits of Credit Union membership is better lending rates. That’s because YEFCU is a non-profit organization. Our profits are returned back to our members in the form of fewer fees, higher dividends and lower lending rates.
Get Rewarded for Good Behavior
Have you been financially responsible? We reward our members who meet certain credit standards with our best rates. Contact our loan department for information on how your rate is determined and what you can do to improve your credit rating to earn our best rates.
| Loan Type | Term | APR* |
|---|---|---|
| Signature** | 36 months | As low as 9.10% |
| Signature** | 60 months | As low as 9.35% |
| Signature Line of Credit** | 60 months | As low as 6.50% |
| Credit Builder/Rebuilder** | 36 months | 5.00% |
| Share Secured | Up To 18 months XX Months | 1.99% |
*APR=Annual Percentage Rate. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
**Maximum loan amount or credit limit on unsecured lending is 25% of Gross Annual Income.
A Share Secured Loan is one of our lowest rated loans because we use your savings account as collateral for the loan. You must have the amount you want to borrow in your savings account, and be pledged as security for the loan.
| Loan Type | Term | APR* |
|---|---|---|
| Share Secured | 48 Months | As low as 5.50% |
| Shared Secured | 60 Months | As low as 6.00% |
*APR=Annual Percentage Rate. Utility Trailer Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
** Effective date September 26, 2023
Vehicle Loan Rates
We lend up to 100% of the sticker price on new car, truck, and motorcycle purchases. Enjoy low loan rates and term options from 36 to 84 months. Utilize our Loan Calculator for estimated prices.
| Loan Type | Term | APR* |
|---|---|---|
| New Vehicle | 36 months | As low as 5.99% |
| New Vehicle | 48 months | As low as 5.99% |
| New Vehicle | 60 months | As low as 6.25% |
| New Vehicle | 72 months | As low as 6.50% |
| New Vehicle | 84 months | As low as 7.99% |
*APR=Annual Percentage Rate. Utility Trailer Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
** Effective date September 26, 2023
We lend up to 100% of the NADA Retail Value on used car, truck, and motorcycle purchases. Enjoy low loan rates and term options from 36 to 84 months. Utilize our Loan Calculator for estimated prices.
| Loan Type | Term | APR* |
|---|---|---|
| Used Vehicle Loans | 36 months | As low as 6.19% |
| Used Vehicle Loans | 48 months | As low as 6.59% |
| Used Vehicle Loans | 60 months | As low as 7.29% |
| Used Vehicle Loans | 72 months | As low as 8.29% |
| Used Vehicle Loans | 84 months | As low as 8.59% |
*APR=Annual Percentage Rate. Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
| 48 months | As low as 5.50% |
| 60 months | As low as 6.00% |
*APR=Annual Percentage Rate. Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined
We lend up to 100% of the sticker price on new RV, ATV, boat, jet ski, and snowmobile purchases, and up to 100% of the NADA retail value on used RV, ATV, boat, jet ski, and snowmobile purchases. Enjoy low loan rates and term options from 60 to 120 months. Utilize our Loan Calculator for estimated prices.
| New and Used RV Loan Rates | 60 months | As low as 7.00% |
| New and Used RV Loan Rates | 72 months | As low as 7.50% |
| New and Used RV Loan Rates | 84 months | As low as 7.84% |
| New and Used RV Loan Rates | 120 months | As low as 8.24% |
*APR=Annual Percentage Rate. RV Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
Home Loan Rates
| Loan Type | Term | APR* |
|---|---|---|
| Home Equity Fixed Rate | 24 Months – Promotional Rate | 2.49% |
| Home Equity Fixed Rate | 60 Months | As low as 5.69% |
| Home Equity Fixed Rate | 120 Months | As low as 6.64% |
| Home Equity Fixed Rate | 180 Months | As low as 7.44% |
*APR=Annual Percentage Rate. Maximum home equity loan or home equity line of credit amount is 80% of home’s value minus any first mortgage balance. Maximum loan amount of $100,000. First advance is minimum of $5,000 with subsequent minimum advances of $500 on Home Equity Line of Credit. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined
**Effective date October 17, 2023
| Loan Type | Term | APR* |
|---|---|---|
| Home Equity Line of Credit (Variable rate, adjusted quarterly) | 120 Months | As low as 5.04% |
*APR=Annual Percentage Rate. Maximum home equity loan or home equity line of credit amount is 80% of home’s value minus any first mortgage balance. Maximum loan amount of $100,000. First advance is minimum of $5,000 with subsequent minimum advances of $500 on Home Equity Line of Credit. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined
** Effective date October 17, 2023
First Mortgage Loan Rates
Our mortgage rates can change on a daily basis. Please visit First Heritage to view our current rates.