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Full List of Interest Rates & Terms



First Mortgage Loans

*APR = Annual Percentage Rate. Interest rates shown are for conventional fixed mortgage loans. Rates may change daily, are subject to change without prior notice, and apply to loans up to Fannie Mae's conventional mortgage loan limits. Payment example: 360 monthly payments at 4.250% APR with no payment protection produces a payment of $4.92 per $1,000.00 borrowed. Please contact us for current interest rate information, mortgage loan limits, a fee schedule or down payment requirements at (814) 825-2436 or (800) 480-0494.

First Mortgage Loans Up to 30 Years

Loan TypeRate Points Term
10 Year Conventional Fixed Mortgage Loan3.250% APR* 0 Points 120
10 Year Conventional Fixed Mortgage Loan2.875% APR* 3 Points 120
15 Year Conventional Fixed Mortgage Loan3.500% APR* 0 Points 180
15 Year Conventional Fixed Mortgage Loan3.000% APR* 3 Points 180
20 Year Conventional Fixed Mortgage Loan4.125% APR* 0 Points 240
20 Year Conventional Fixed Mortgage Loan3.750% APR* 3 Points 240
30 Year Conventional Fixed Mortgage Loan4.375% APR* 0 Points 360
30 Year Conventional Fixed Mortgage Loan4.000% APR* 3 Points 360
Jumbo Mortgage Loans: Amounts above $417,000See Below n/a n/a
10, 15 Year Fixed Mortgage Loan4.000% APR* 0 Points 120-180
10, 15 Year Fixed Mortgage Loan3.250% APR* 3 Points 120-180
20, 25, 30 Year Fixed Mortgage Loan4.750% APR* 0 Points 240-360
20, 25, 30 Year Fixed Mortgage Loan4.125% APR* 3 Points 240-360

Monthly Payment Estimator | Online Application


First Mortgage Loans Up to 15 Years - No Closing Costs

Loan TypeRate APR Term
Mortgage Loans 0-60 Months4.50 4.50 60
Mortgage Loans 61-84 Months4.68 4.68 84
Mortgage Loans 85-144 Months4.82 4.82 144
Mortgage Loans 145-180 Months4.82 4.82 180
Calculator



Home Equity Loans

Loans subject to credit approval. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions and are subject to change. 2.99% Annual Percentage Rate offer available with a maximum term of 60 months on new Home Equity loans with a minimum amount borrowed of $10,000 or an existing Home Equity with a loan increase of $10,000 or more. Payment example: 60 months at 2.99% APR with no payment protection produces a payment of $17.97 per $1,000 borrowed. 3.49% Annual Percentage Rate offer available with a maximum term of 84 months on new Home Equity loans with a minimum amount borrowed of $15,000 or an existing Home Equity with a loan increase of $15,000 or more. Payment example: 84 months at 3.49% APR with no payment protection produces a payment of $13.44 per $1,000 borrowed. Certain restrictions apply. Membership eligibility required.

Home Equity Loans

Loan TypeRate APR Term
Limited Time! Home Equity-Subordinate Mortgage (0-60 Months)2.99 2.99 60
Limited Time! Home Equity-Subordinate Mortgage (61-84 Months)3.49 3.49 84
Home Equity-Subordinate Mortgage (0-60 Months)6.50 6.50 60
Home Equity-Subordinate Mortgage (61-84 Months)6.68 6.68 84
Home Equity-Subordinate Mortgage (85-144 Months)6.82 6.82 144
Home Equity-Subordinate Mortgage (145-180 Months)6.82 6.82 180
Monthly Payment Estimator


Income Property

Loan TypeRate APR Term
Income Property (1st Mortgage, 180 Months, $50,000)7.24 7.24 180
Income Property (2nd Mortgage, 144 Months, $50,000)7.99 7.99 144
Monthly Payment Estimator



Home Equity Lines of Credit

Interest rates shown below are for conventional mortgage loans and are subject to change. The annual percentage rate is variable, based on the Prime rate published in the Wall Street Journal, plus or minus an index; Maximum APR is 18.00%. Property insurance is required.
Membership eligibility required. For more information on mortgage interest rates, limits or fee schedules, please contact us at (814) 825-2436 or (800) 480-0494.

PRIME AFFINITY Home Equity Lines of Credit

Loan TypeRate
Credit Limit less than $25,000.00 (Min $5,000)Prime + .75%
Credit Limit from $25,000.00 to $74,999.00Prime + .00%
Credit Limit greater than $75,000.00 (Max $150,000)Prime - .75%
Monthly Payment Estimator



Auto Loans

*The Annual Percentage Rates disclosed below with an asterisk ( * ) represent the lowest possible APR for that Auto Loan. Your interest rate and term will be based on certain credit worthiness criteria. Contact us to determine your qualifying APR. Payment example: 60 months at 3.50% Annual Percentage Rate with no payment protection produces a payment of $18.20 per $1,000.00 borrowed. Erie FCU makes all final decisions regarding vehicle value and proper rate. Some restrictions apply. Please refer to the Loan Disclosures.
A .25% discount off your qualifying APR is available. To qualify for the .25% discount, member must have an Erie FCU checking account with direct deposit and enroll in auto pay/payroll deduction.

AUTOMOBILE & MOTORCYCLE NEW (2011 - 2014)

Loan TypeAPR
0 to 24 Months2.24*
25 to 36 Months2.75*
37 to 48 Months3.00*
49 to 60 Months3.50*
61 to 72 Months3.85*
73 to 84 Months4.50*
Monthly Payment Estimator | Vehicle Loan Application



AUTOMOBILE & MOTORCYCLE USED (2008 - 2010)

Loan TypeAPR
0 to 24 Months2.75*
25 to 36 Months3.25*
37 to 48 Months3.50*
49 to 60 Months4.00*
61 to 72 Months4.25*
73 to 84 Months5.25*
Monthly Payment Estimator | Vehicle Loan Application



AUTOMOBILE & MOTORCYCLE USED (2004 - 2007)

Loan TypeAPR
0 to 24 Months2.75*
25 to 36 Months3.25**
37 to 48 Months3.50*
49 to 54 Months4.00*
Monthly Payment Estimator | Vehicle Loan Application



NEW AND USED BOAT & RV LOANS

Loan TypeRate APR Term
New Boat & RV (0-24 Months)6.25 6.25 24
New Boat & RV (25-60 Months)6.75 6.75 60
New Boat & RV (61-84 Months)7.25 7.25 84
New Boat & RV (85-120 Months)7.75 7.75 120
Used Boat & RV (0-60 Months)7.50 7.50 60
Used Boat & RV (61-84 Months)8.00 8.00 84
Monthly Payment Estimator | Online Application



MasterCard Credit Cards

*Your Annual Percentage Rate (APR) will be based on certain creditworthiness criteria at the time you open your account. Erie FCU membership eligibility required. Membership Share $5.00 par value (par value is not a fee.)
Loan TypeRateAPR
Platinum MasterCard®8.90-17.90* 8.90-17.90*

Monthly Payment Estimator



Additional Loans

*APR = Annual Percentage Rate. The Annual Percentage Rate disclosed is the lowest possible APR for this loan.
**The Annual Percentage Rate disclosed is the lowest possible APR for this loan. Your interest rate and term will be based on certain credit worthiness criteria. Contact us to determine your qualifying APR. A .25% APR discount is available on Unsecured and Holiday Loans with an automatic transfer or payroll deduction payment method. Payment example: 36 monthly payments at 8.75% APR with no protection produces a payment of $31.68 per $1,000.00 borrowed.
All Loan Rates are Subject to Change - Contact Erie FCU for additional Information.

Additional Loans

Loan TypeRate APR Term
Share Secured Loan5.00* 5.00* 60
EZ Loan (Unsecured Loan) Up to 12 Months3.99** 3.99** 12
EZ Loan (Unsecured Loan) Up to 36 Months4.99** 4.99** 36
EZ Loan (Unsecured Loan) Up to 48 Months5.99** 5.99** 48
EZ Loan (Unsecured Loan) Up to 60 Months6.99** 6.99** 60
Holiday Loan Available October-January3.99** 3.99** 12
Monthly Payment Estimator



Better Choice Loan - Payday Lending Alternative

Loan TypeRate APR Term
Better Choice Loan18.00% 18.00% 90 Days
Monthly Payment Estimator | For details, click here.
The Better Choice Loan has a $20.00 application fee.



Shares

APY = Annual Percentage Yield. The disclosed dividend rates are variable and may change after the member opens the account(s). Regular Share Savings Accounts require a minimum balance of $5.00. Dividends are calculated and paid monthly based on the average daily balance during the month. Money Market accounts require a minimum deposit of $5,000.00 to open the account. Tier interest rate share accounts will reflect a blended APY on the periodic statement. Fees or penalties may be imposed for early withdrawals and could reduce earnings on the accounts.

Share Savings

TypeDividend Rate APY
Regular Share Tiered Rate (Balance $.01 to $4,000.00)0.15 0.15
Regular Share Tiered Rate (Balance $4,000+)0.30 0.15 - 0.30
Money Market Share Tiered Rate (Balance $5,000.00 to $25,000.00)0.25 0.25
Money Market Share Tiered Rate $25,000.01 to $50,000.000.35 0.25 - 0.30
Money Market Share Tiered Rate $50,000.01 to $100,000.000.45 0.30 - 0.38
Money Market Share Tiered Rate $100,000.01 and above0.55 0.38 - 0.54
Holiday Share Club (Balance $.01+)0.15 0.12
Special Share Club (Balance $.01+)0.30 0.31
EZ Saver Share (Balance $.01+)0.15 0.12
Calculator



Share Draft Checking

TypeDividend Rate APY
Free Checking0.00 0.00
Premium Checking (Balances $.01+)0.10 0.12
Dividend +Plus Checking $500.00 to $25,000 (Requirements Met) 3.00 3.04
Dividend +Plus Checking $500.00 to $25,000 (Requirements Not Met)0.10 0.10
Dividend +Plus Checking greater than $25,0000.10 0.10
Calculator




Share Certificates

APY = Annual Percentage Yield. Rates are subject to change. A penalty may be imposed for early withdrawal. A minimum daily balance must be maintained in order to earn the disclosed APY.

Share Certificates

TypeDividend Rate APY Term Minimum Deposit
Term Share Certificate.30 .30 6 $1,000
Term Share Certificate.30 .30 12 $500
Term Share Certificate.45 .45 12 $1,000
Term Share Certificate.55 .55 18 $1,000
Term Share Certificate.65 .65 24 $1,000
Term Share Certificate.75 .75 30 $1,000
Term Share Certificate.80 .80 33 $1,000
Term Share Certificate1.05 1.06 36 $1,000
Term Share Certificate1.25 1.26 48 $1,000
Term Share Step-up Certificate1.45 1.46 59 $1,000
Term Share Certificate1.60 1.61 60 $1,000
Jumbo Certificate (20 basis point over basic rate)n/a n/a n/a $75,000
SUPER Jumbo Certificate (45 basis points over basic rate)n/a n/a n/a $250,000
Calculator | IRA Calculators



Traditional IRA

TypeDividend Rate APY Term Minimum Deposit
IRA Share Tiered Rate Less than $25,000.00.25 .25 n/a n/a
IRA Share Tiered Rate $25,000.01 to $50,000.00.35 .25-.30 n/a n/a
IRA Share Tiered Rate $50,000.01 to $100,000.00.45 .30-.38 n/a n/a
IRA Share Tiered Rate $100,000.01 and greater.55 .38-.54 n/a n/a
IRA Share Certificate.30 .30 6 $1,000
IRA Share Certificate.45 .45 12 $1,000
IRA Share Certificate.55 .55 18 $1,000
IRA Share Certificate.65 .65 24 $1,000
IRA Share Certificate.75 .75 30 $1,000
IRA Share Certificate.80 .80 33 $1,000
IRA Share Certificate1.05 1.06 36 $1,000
IRA Share Certificate1.25 1.26 48 $1,000
IRA Share Step-up Certificate1.45 1.46 59 $1,000
IRA Share Certificate1.60 1.61 60 $1,000
Jumbo Certificate (20 basis points over basic rate)n/a n/a n/a $75,000
SUPER Jumbo Certificate (45 basis points over rate)n/a n/a n/a $250,000
Calculator | Retirement Central® | IRA Calculators



Roth and Coverdell IRA

TypeDividend Rate APY Term Minimum Deposit
Roth and Coverdell IRA Share Tiered Rate Less Than $25,000.00 .25 .25 n/a n/a
Roth and Coverdell IRA Share Tiered Rate $25,000.01 to $50,000.00.35 .25-.30 n/a n/a
Roth and Coverdell IRA Share Tiered Rate $50,000.01 to $100,000.00.45 .30-.38 n/a n/a
Roth anc Coverdell IRA Share Tiered Rate $100,000.01 and greater.55 .38-.54 n/a n/a
Roth/Coverdell IRA Share Certificate.30 .30 6 $500
Roth/Coverdell IRA Share Certificate.45 .45 12 $500
Roth/Coverdell IRA Share Certificate.55 .55 18 $500
Roth/Coverdell IRA Share Certificate.65 .65 24 $500
Roth/Coverdell IRA Share Certificate.75 .75 30 $500
Roth/Coverdell IRA Share Certificate.80 .80 33 $500
Roth/Coverdell IRA Share Certificate1.05 1.06 36 $500
Roth/Coverdell IRA Share Certificate1.25 1.26 48 $500
Roth/Coverdell IRA Step-up Certificate1.45 1.46 59 $500
Roth/Coverdell IRA Share Certificate1.60 1.61 60 $500
Jumbo Certificate (20 basis points over basic rate)n/a n/a n/a $75,000
SUPER Jumbo Certificate (45 basis points over basic rate)n/a n/a n/a $250,000
Calculator | Retirement Central® | IRA Calculators