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Rates

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Current Rates


Deposit Rates    CD Rates    Loan Rates     Home Loan Rates     First Mortgages

Deposit Rates

Savings Accounts

Access Savings
Effective Date: Saturday, December 21st, 2024
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$25 $100 0.100% 0.100%
$25 $10,000 0.100% 0.100%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

Credit Builder Shares††
Effective Date: Saturday, December 21st, 2024
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$25 $100 0.100% 0.100%
$2,500 $10,000 0.100% 0.100%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
††MasterCard® Credit Builder Credit Card requires secured deposit of 110% of credit line into a Credit Builder Share.

Holiday Club
Effective Date: Saturday, December 21st, 2024
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$25 $100 0.100% 0.100%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity..

Premium Advantage Money Market Account
Effective Date: Saturday, December 21st, 2024
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$2,500 $2,500 0.449% 0.450%
$2,500 $10,000 0.449% 0.500%
$2,500 $25,000 0.648% 0.650%
$2,500 $50,000 0.747% 0.750%
$2,500 $100,000 0.846% 0.850%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

Premier Business Savings
Effective Date: Saturday, December 21st, 2024
Min. to OpenDividend RateAPY*Min. to Earn APY*
$25 0.000% 0.000% $0
$25 1.490% 1.500% $500
$25 2.472% 2.500% $10,000
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

Premier Business Money Market
Effective Date: Saturday, December 21st, 2024
Min. to OpenDividend RateAPY*Min. to Earn APY*
$2,500 0.000% 0.000% $0
$2,500 1.490% 1.500% $2,500
$2,500 2.472% 2.500% $10,000
$2,500 2.960% 3.000% $25,000
$2,500 3.445% 3.500% $50,000
$2,500 3.929% 4.000% $100,000
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

 

Youth Savings Accounts

Circus Club Access Savings
Effective Date: Saturday, December 21st, 2024
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$5 $5 0.100% 0.100%
$5 $10,000 0.100% 0.100%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
*Circus Club (ages 0-12) and Green Team (ages 13-17) members may open an Early Savers Certificate with a minimum deposit of $500 and earn the $2,000 Share Certificate rate and APY, based on term. Terms available: 3 - 60 months. At maturity, funds in an Early Saver Certificate automatically transfer to the member’s savings account, if a member is 18 or older. Penalties apply for early withdrawal.* All Green Team members must have a joint account with a parent or guardian to open a checking account and be eligible for a MasterCard Enhanced Debit Card.

Green Team Access Savings
Effective Date: Saturday, December 21st, 2024
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$5 $5 0.100% 0.100%
$5 $10,000 0.100% 0.100%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
*Circus Club (ages 0-12) and Green Team (ages 13-17) members may open an Early Savers Certificate with a minimum deposit of $500 and earn the $2,000 Share Certificate rate and APY, based on term. Terms available: 3 - 60 months. At maturity, funds in an Early Saver Certificate automatically transfer to the member’s savings account, if a member is 18 or older. Penalties apply for early withdrawal.* All Green Team members must have a joint account with a parent or guardian to open a checking account and be eligible for a MasterCard Enhanced Debit Card.

 

Checking Accounts

Ultimate Checking
Effective Date: Saturday, December 21st, 2024
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$25 $0 0.030% 0.030%
$25 $10,000 0.030% 0.030%
$25 $100,000 0.030% 0.030%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

REWARDS+ Accounts
Effective Date: Saturday, December 21st, 2024
Dividend RateAPY*Min. to OpenMin. to Earn APY*
0.250% 0.250% $25 $0.01 and up (if qualified)
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity

Premier Business Checking
Effective Date: Saturday, December 21st, 2024
Min. to OpenDividend RateAPY*Min. to Earn APY*
$100 1.982% 2.000% $0
$100 1.982% 2.000% $500
$100 1.982% 2.000% $10,000
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

 

IRA Savings

IRA Savings (SEP, Coverdell Education, Roth)†
Effective Date: Saturday, December 21st, 2024
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$100 $100 0.100% 0.100%
$100,000 $100,000 0.150% 0.150%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
†Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.

IRA Certificates

IRA Certificates†
Effective Date: Saturday, December 21st, 2024
TermMin. to OpenMin. to Earn APY*Dividend RateAPY*
12 Months $500 $500 3.203% 3.250%
24 Months $500 $500 3.445% 3.500%
36 Months $500 $500 3.251% 3.300%
48 Months $500 $500 3.251% 3.300%
60 Months $500 $500 3.349% 3.400%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
†Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.

 

Share Certificates

$2,000 Term Share†
Effective Date: Saturday, December 21st, 2024
TermMin. to OpenMin. to Earn APY*Dividend RateAPY*
3 Months $2,000 $2,000 2.472% 2.500%
6 Months $2,000 $2,000 4.169% 4.250%
12 Months $2,000 $2,000 3.203% 3.250%
24 Months $2,000 $2,000 3.445% 3.500%
36 Months $2,000 $2,000 3.251% 3.300%
48 Months $2,000 $2,000 3.251% 3.300%
60 Months $2,000 $2,000 3.349% 3.400%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
† Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.

Early Saver Certificate**†
Effective Date: Saturday, December 21st, 2024
TermMin. to OpenMin. to Earn APY*Dividend RateAPY*
3 Months $500 $2,000 2.472% 2.500%
6 Months $500 $2,000 4.169% 4.250%
12 Months $500 $2,000 3.203% 3.250%
24 Months $500 $2,000 3.445% 3.500%
36 Months $500 $2,000 3.251% 3.300%
48 Months $500 $2,000 3.251% 3.300%
60 Months $500 $2,000 3.349% 3.400%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
† Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.
**Early Saver Certificate applies to Circus Club and Green Team Accounts only

STRETCH Certificate†
TermMin. to OpenMin. to Earn APY*Dividend RateAPY*
10 Months $5,000 $5,000 0.349% 0.350%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
†Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.

 

Jumbo Share Certificates

$50,000 Term Share Certificate†
Effective Date: Saturday, December 21st, 2024
TermMin. to OpenMin. to Earn APY*Dividend RateAPY*
3 Months $50,000 $50,000 2.472% 2.500%
6 Months $50,000 $50,000 4.169% 4.250%
12 Months $50,000 $50,000 3.203% 3.250%
24 Months $50,000 $50,000 3.445% 3.500%
36 Months $50,000 $50,000 3.251% 3.300%
48 Months $50,000 $50,000 3.251% 3.300%
60 Months $50,000 $50,000 3.349% 3.400%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
† Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.
$100,000 Term Share Certificate†
Effective Date: Saturday, December 21st, 2024
TermMin. to OpenMin. to Earn APY*Dividend RateAPY*
3 Months $100,000 $100,000 2.472% 2.500%
6 Months $100,000 $100,000 4.169% 4.250%
12 Months $100,000 $100,000 3.203% 3.250%
24 Months $100,000 $100,000 3.445% 3.500%
36 Months $100,000 $100,000 3.251% 3.300%
48 Months $100,000 $100,000 3.251% 3.300%
60 Months $100,000 $100,000 3.349% 3.400%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
† Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.

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Consumer Loan Rates


Vehicle Loans

New Auto
Effective Date: Saturday, December 21st, 2024
TermAPR* RangeFinancing
Up to 60 Months 5.69% - 17.44% Up to 125%
61-72 Months 5.94% - 17.94% Up to 125%
73-84 Months 6.44% - 13.44% Up to 125%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 1.00% rate discount to vehicle loans if eligible (0.25% for autopay from Eagle checking, 0.50% for loan loyalty, and 0.25% for loan to value below 80%)

Used Auto
Effective Date: Saturday, December 21st, 2024
TermAPR* RangeFinancing
Up to 60 Months 6.69% - 21.44% Up to 125%
61-72 Months 6.94% - 21.94% Up to 125%
73-84 Months 7.44% - 17.44% Up to 125%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 1.00% rate discount to vehicle loans if eligible (0.25% for autopay from Eagle checking, 0.50% for loan loyalty, and 0.25% for loan to value below 80%)

New or Used Motorcycle
Effective Date: Saturday, December 21st, 2024
TermAPR* RangeFinancing
Up to 48 Months 9.99% - 18.99% Up to 100%
49 - 84 Months 10.49% - 19.49% Up to 100%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 1.00% rate discount to vehicle loans if eligible (0.25% for autopay from Eagle checking, 0.50% for loan loyalty, and 0.25% for loan to value below 80%)

New or Used Recreational Vehicle
Effective Date: Saturday, December 21st, 2024
TermAPR* RangeFinancing
Up to 60 Months 10.00% - 20.50% Up to 100%
61 - 72 Months 10.00% - 14.50% Up to 100%
73 - 120 Mo 10.25% - 14.75% Up to 100%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 1.00% rate discount to vehicle loans if eligible (0.25% for autopay from Eagle checking, 0.50% for loan loyalty, and 0.25% for loan to value below 80%)

New or Used Personal Watercraft
Effective Date: Saturday, December 21st, 2024
TermAPR* RangeFinancing
Up to 48 Months 11.99% - 20.99% Up to 100%
60 - 84 Months 12.49% - 21.49% Up to 100%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 1.00% rate discount to vehicle loans if eligible (0.25% for autopay from Eagle checking, 0.50% for loan loyalty, and 0.25% for loan to value below 80%)

New or Used Boat
Effective Date: Saturday, December 21st, 2024
TermAPR* RangeFinancing
Up to 72 Months 10.00% - 17.00% Up to 100%
73 - 84 Months 10.25% - 17.25% Up to 100%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 1.00% rate discount to vehicle loans if eligible (0.25% for autopay from Eagle checking, 0.50% for loan loyalty, and 0.25% for loan to value below 80%)

 

Personal Loans

Personal Loan
Effective Date: Saturday, December 21st, 2024
TermAPR* Range
Up to 24 Months 13.24% - 23.99%
25 - 36 Months 13.49% - 24.24%
37 - 48 Months 13.74% - 24.49%
49 - 60 Months 13.99% - 24.74%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 0.75% rate discount applies to personal loans if eligible (0.25% for autopay from Eagle checking and 0.50% for loan loyalty).

Energy Loan†
Effective Date: Saturday, December 21st, 2024
TermAPR* Range
Up to 96 Months 7.24% - 9.99%
97 - 120 Months 7.74% - 10.49%
121 - 180 Months 8.24% - 10.99%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 0.75% rate discount applies to personal loans if eligible (0.25% for autopay from Eagle checking and 0.50% for loan loyalty).
†Energy Loan processing and third-party fees apply. Fees vary by product and contractor/vendor relationship. Fees may not be waived. No annual fee/prepayment fee or penalty. Late fee = 3% of payment after 10 days ($5 minimum). Energy Loans require a signed copy of the invoice/contract and all required permits must be in place in order to fund. Work must be performed by Eagle approved contractors. Property must be owner-occupied primary residence located in California. Lien placed on home through UCC Financing Statement for all loans over $10,000. A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy.

Personal Line of Credit
Effective Date: Saturday, December 21st, 2024
APR* Range
13.24% - 23.99%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.
Lowest listed rates include up to 0.75% rate discount applies to personal loans if eligible (0.25% for autopay from Eagle checking and 0.50% for loan loyalty).

Buy Now, Pay Later
Effective Date: Saturday, December 21st, 2024
TermAPR*
Up to 9 Months 18.99%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.

Quick Cash
Effective Date: Saturday, December 21st, 2024
TermAPR*
Up to 36 Months 28.00%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.

Plan Your Purchase
Effective Date: Saturday, December 21st, 2024
TermAPR*
Up to 9 Months 18.99%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.

Holiday Loan
Effective Date: Saturday, December 21st, 2024
TermAPR* Range
12 Months 11.90%-19.90%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice.

 

Credit Cards

MasterCard Platinum Credit Card
Effective Date: Saturday, December 21st, 2024
APR* RangeBalance Transfer FeeAnnual Fee
12.50%-21.90% $0 $0
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications

MasterCard Rewards Credit Card
Effective Date: Saturday, December 21st, 2024
APR* RangeBalance Transfer FeeAnnual Fee
12.99%-24.49% $0 $0
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications

MasterCard Credit Builder Credit Card††
Effective Date: Saturday, December 21st, 2024
APR*Balance Transfer FeeAnnual Fee
13.90% $0 $0
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications
††MasterCard Credit Builder Credit Card and Share/Certificate Secured Loan is secured by deposit into a Credit Union Share.

 

Secured Loans

Share-Secured Loan††
Effective Date: Saturday, December 21st, 2024
TermAPR*Financing
Up to 60 Months 3.25% over savings rate 100%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications.
††MasterCard Credit Builder Credit Card and Share/Certificate Secured Loan is secured by deposit into a Credit Union Share.

Certificate-Secured Loan††
Effective Date: Saturday, December 21st, 2024
TermAPR*Financing
Term of Deposit 3% Over Dividend Rate 90%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications
††MasterCard Credit Builder Credit Card and Share/Certificate Secured Loan is secured by deposit into a Credit Union Share.

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Home Loan Rates


Home Equity Loans

Home Equity Line of Credit (HELOC)
Effective Date: Saturday, December 21st, 2024
TermAPR*Maximum RateLTV
30 Years 7.25% 18.00% Up to 80%
Promotional rate as low as 5.99% for the first 12 Months    
Rates include up to 0.75% rate discount if eligible (0.25% for autopay from Eagle checking and 0.50% for loan loyalty).
After promotional period, minimum qualified rate 3.50% including all discounts with a maximum APR* of 18.00%.
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

Manufactured Home Loans

New Manufactured Home Loan
Effective Date: Saturday, December 21st, 2024
TermAPR† RangeLTV
240 Months 7.85% - 12.80% 90%
Rates include up to 0.50% rate discount for Eagle Community CU loan loyalty.
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

Used Manufactured Home Loan
Effective Date: Saturday, December 21st, 2024
Age / Year BuiltTermAPR† RangeLTV
Current - 1976 240 Months 7.95%-13.05% 90%
1975-1968 240 Months 8.95% - 14.30% 90%
Rates include up to 0.50% rate discount for Eagle Community CU loan loyalty.
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.

 

First Mortgages


Contact Primary Partners
(877) 296-8728
CUPrimaryPartner.com/EagleCU

 

Contact Us


HELOC Phone: (949) 639-7990
HELOC Email: Lending@EagleCU.org

Manufactured Home Loan Phone: (949) 639-7993
Manufactured Home Loan Email: MobileHomes@EagleCU.org
Member Service Center: (949) 588-9400

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