Rates effective 08/15/2019


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Consumer Loans
Loan Type *APR (as low as) Term Payment / $1,000.00
Vehicles (Cars, Trucks, Motorcycles with perfected lien)
2014-2020 Models              Special Rate *2.70% 36 mo  
                                  *$15,000 minimum      
                                            Special Rate 2.90%  48 - 72 mo   
                                   (over $30,000 list) **4.00% 84 Months $14.00
                                              2010 - 2013 **4.50% 48 Months $23.00
2009 and Older **6.00% 36 Months $31.00
Boats and RV's (with perfected lien) **6.50% 72 Months $17.00
2013 or Older **7.00% 72 months $18.00
                                    (over $20,000 list) **7.00% 84 months $16.00
Up to $5,000 **11.25% 24 Months $47.00
$5,000 to $10,000 **11.25% 36 Months $33.00
**With ESFCU Auto Payment.
Share/ Certificate Secured:
Applies to Shares, Regular, Jumbo & Bump Rate CD's.  Save to Win CD's do not qualify for collateral.  Rates reviewed annually

2.00% Above Rate Paid

24 Months  

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Overdraft Protection
Limits Rate Term Charge
$1,000 Limit 18.00% 2 Months $5.00 per $100.00

The Mortgage Center

Whether you are buying your first home, ready to move to your next home or looking to refinance from another lender, The Mortgage Center has an option for you!

By partnering with Members Mortgage Services, we can give our members multiple 1st mortgage products that can meet any borrower's needs.



Home Equity Loans and Home Equity Lines of Credit (HELOC)

Home Equity Loan

  • Competitive fixed rate
  • Flexible terms to fit your payment needs

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Home Equity Line of Credit (HELOC)

  • Competitive, variable rates
  • Loan amounts based on equity
  • Easily accessible and reusable credit
  • Interest charged only on amount utilized
  • Special introductory rate for qualified borrowers
  • Your loan STAYS with Emporia State Federal Credit Union!

Our experienced loan staff is ready to serve you!

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Real Estate Loans
Loan Type APR (as low as) Term Payment / $1,000.00
Equity - 1st or 2nd Mortgage:
$3,000 Min. No add-ons. Member pays fees      
80% Equity 4.25% 36 Months $30.00
80% Equity 5.25% 60 Months $19.00
80% Equity 6.25% 120 Months $12.00
Equity - 1st or 2nd Mortgage:      
$3,000 Min. No add-ons. Member pays fees      
90% Equity 5.25% 36 Months $31.00
90% Equity 6.25% 60 Months $20.00
90% Equity 7.25% 120 Months $12.00
Special Retire Your Mortgage 1st Mortgage Program:
$35,000 Min. Member pays fees      
97% Equity 5.50% 180 Months $9.00
97% Equity 6.00% 240 Months $8.00

Important Notices

All rates listed are the best qualifying rates. Rates on future advances will be determined by each member's individual creditworthiness at the time of each advance. APR may vary according to creditworthiness. **With ESFCU Auto Payment.

ALL RATES APPLY TO NEW MONEY ONLY Rates listed are the Annual Percentage Rates (APR).
All interest rates are subject to change without notice. Maximum Term listed.

*Annual Percentage Rate (APR), terms and conditions dependent on credit
qualifications and approval, and subject to change without notice. **HELOC terms: 84
month draw. Monthly APR is fully indexed, variable rate based on Wall Street Journal
Prime plus or minus a margin based on loan-to-value ratio. Maximum APR that can
apply: 18.00%. Minimum line of credit amount: $3,000. Minimum advance: $0. May
be subject to closing costs. Consult a tax advisor for information regarding deductibility
of interest and charges. Adequate property and flood insurance may be required.