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ETMA Federal Credit Union
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Rates

RATES EFFECTIVE 8/23/10

Loan rates based on Credit Union's Managed Credit Program.  Rates and terms are subject to change without notice.

Please call 865-970-7283 for 20 & 30 Year Mortgage Rate Information or email info@etmafcu.net

Click here for Limited Time Special Rates on New and Used Autos, Trucks, RVs, and Boats

Loans | Savings | Certificates 

 

 

Loans Rate     as low as  APR* Term Payment Example per thous.  
Mobile Home - New 7.990 7.990 120 12.13 Calculator
Mobile Home - Used 8.990 8.990 120 12.66 Calculator
TDY (Maximum 45 days) 15.500 15.500 n/a n/a Calculator
Farm Equipment - New (Up to 60 months) 4.24 4.240 60 18.52 Calculator
Farm Equipment - New (72 months) 4.99 4.99 72 16.10 Calculator
Farm Equipment - New (84 months) 5.74 5.74 84 14.48 Calculator
Farm Equipment - Used 4.99 4.99 60 18.87 Calculator
Miscellaneous 12.000 12.000 36 33.23 Calculator
Line of Credit (debt ratio 42% or less) 13.000 13.000 n/a n/a Calculator
Line of Credit (debt ratio 43% or more) 18.000 18.000 n/a n/a Calculator
Share Secured Loan 3.300 3.300 96 11.87 Calculator
1st Mortgage (10 years) 4.500 4.500 120 10.36 Calculator
1st Mortgage (15 years) 4.750 4.750 180 7.78 Calculator
Unimproved Property 7.000 7.000 144 10.28 Calculator
Home Equity Line of Credit   Rate as low as WSJ Prime- Variable 4.000 4.000 180 n/a Calculator
Visa Credit Cards 11.990 11.990 n/a n/a Calculator
Summer Loan 
7.99 7.99 12 86.98 Calculator
Auto - New (Up to 36 months) 4.240 4.240  36 29.63 Calculator
Auto - New (48 months) 4.240 4.240 48 22.69 Calculator
Auto - New (60 months) 4.240 4.240 60 18.52 Calculator
Auto - New (72 months) 4.990 4.990 72 16.10 Calculator
Auto - New (84 months) 5.740 5.740 84 14.48 Calculator
Auto - Used (up to 36 months) 4.990 4.990 36 29.97 Calculator
Auto - Used (48 months) 4.990 4.990 48 23.02 Calculator

 Auto - Used (60 months)

4.990 4.990 60 18.87 Calculator
Recreational Vehicle - New (36 months) 4.240 4.240 36 29.63 Calculator
Recreational Vehicle - New (48 months) 4.240 4.240 48 22.69 Calculator
Recreational Vehicle - New (60 months) 4.240 4.240 60 18.52 Calculator
Recreational Vehicle - New (72 months) 4.990 4.990 72 16.10 Calculator
Recreational Vehicle - New (84 months) 5.740 5.740 84 14.48 Calculator
Recreational Vehicle - Used (36 months) 4.990 4.990 36 29.87 Calculator
Recreational Vehicle - Used (48 months) 4.990 4.990 48 23.02 Calculator
Recreational Vehicle - Used (60 months) 4.990 4.990 60 18.87 Calculator

 

*APR = Annual Percentage Rate

Rates listed are the lowest rates available for each loan product.  Payment examples are based on the lowest rate.  Your rate may vary and is determined by your credit qualifications, collateral and loan terms.  To determine your actual rate, please contact the credit union.


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Savings Dividend Rate APY* Term
Shares 0.300 0.300 n/a
Share Drafts 0.150 0.150 n/a

Christmas

0.300 0.300 n/a

IRAs

1.000 1.000

n/a

Hero Money Market Savings ($2,500.00-$9,999.99) 0.650 0.650

n/a

Hero Money Market Savings ($10,000.00-$49,999.99) 0.750 0.750

n/a

Hero Money Market Savings ($50,000-$99,999.99) 0.900 0.900

n/a

Hero Money Market Savings ($100,000.00 and above) 1.000 1.000

n/a

 

*APY = Annual Percentage Yield
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Certificates Dividend Rate APY* Term Minimum Deposit

6 month - $1,000 minimum

0.800

0.800

6

1000

6 month - $10,000 minimum

1.000

1.000

6

10000

24 month - $2500 minimum

2.000

2.000

24

2500

12 month - $1,000 minimum

1.050

1.050

12

1000

12 month - $10,000 minimum

1.150

1.150

12

10000

IRA Certificate - $25,000 minimum

2.000

2.000

24

25000

 

*APY = Annual Percentage Yield
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