Eglin Federal Credit Union

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AUTO LOANS

A New Auto is one that has never been titled.
A Used Auto is one that has previously been titled.

NEW & USED AUTOS¹

VEHICLE TYPE	LOAN TERM	APR* (as low as)
New or Used Up to 2 Years Old	84 Months	4.49%
New or Used Up to 2 Years Old	74 Months	3.49%
New or Used Up to 3 Years Old	66 Months	2.99%
Used 4 & 5 Years Old	64 Months	3.49%
Used 6 to 10 Years Old	54 Months	3.99%
Used 11 to 15 Years Old	48 Months	4.49%

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Sunday, May 19, 2019 and are subject to change

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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BOAT LOANS

Prior year models and newer are considered new boats. On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees.

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APPLY FOR A LOAN

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REFINANCE A LOAN

NEW BOATS

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000	60 Months	4.75%
Up to $25,000	120 Months	5.75%
Up to $50,000	144 Months	6.00%
Over $50,000	180 Months	6.00%

USED BOATS (2-7 Years Old)

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000	60 Months	5.75%
Up to $25,000	120 Months	6.75%
Up to $50,000	144 Months	7.00%
Over $50,000	180 Months	7.00%

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Sunday, May 19, 2019 and are subject to change

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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RECREATIONAL VEHICLE LOANS

Eglin Federal Credit Union considers a Recreational Vehicle as new, regardless of age, if it has never been titled. On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees.

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APPLY FOR A LOAN

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REFINANCE A LOAN

NEW RECREATIONAL VEHICLES

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000	60 Months	4.75%
Over $10,000	120 Months	5.75%
Over $25,000	144 Months	6.00%
Over $50,000	180 Months	6.00%

USED RECREATIONAL VEHICLES (2-7 Years Old)

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000	60 Months	5.75%
Over $10,000	120 Months	6.75%
Over $25,000	144 Months	7.00%
Over $50,000	180 Months	7.00%

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Sunday, May 19, 2019 and are subject to change

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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MOTORCYCLE LOANS

Eglin Federal Credit Union considers a Motorcycle as new if it has never been titled or register and is 5 years old or newer.

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APPLY FOR A LOAN

NEW MOTORCYCLES

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000	60 Months	5.00%
Over $10,000	72 Months	6.75%
Over $20,000	84 Months	7.25%

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Sunday, May 19, 2019 and are subject to change

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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PERSONAL WATERCRAFT LOANS

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APPLY FOR A LOAN

NEW PERSONAL WATERCRAFT

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000¹	48 Months	6.00%
Over $10,000²	60 Months	6.00%

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Sunday, May 19, 2019 and are subject to change

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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FIXED CONVENTIONAL LOANS

You could save thousands by financing with EFCU.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.

Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.

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FIXED RATE MORTGAGE

LOAN TERM	APR*	ORIGINATION FEE
30 year	3.875%	0%
20 year	3.750%	0%
15 year	3.375%	0%

*APR = Annual Percentage Rate. Interest Rates are subject to change at any time and do not constitute a commitment.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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Maximum Loan Amounts & Restrictions - Fixed Conventional

Requires EFCU Membership.
Loans from $25,000 to $484,350
80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
Property must be owner-occupied, single-family, primary residence
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
Additional fees may apply for cash-out transactions and transactions with secondary financing.
No underwriting, processing, tax service, document preparation, or administrative fees.
No origination fees.
No pre-payment penalty.

HOME EQUITY LOANS

Home Equity loans are available from $5k to $150k for first mortgages (10 year term) or second (5, 10 or 15 year terms) mortgages on owner-occupied, single-family, primary residences.

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APPLY FOR A HOME EQUITY LOAN

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HOME EQUITY LOAN

INTEREST RATE	MAXIMUM COMBINED LTV** (TLTV)
5.25% APR*	80%

*APR = Annual Percentage Rate, rates subject to change at any time. **LTV = Loan to Value

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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Maximum Loan Amounts & Restrictions - Home Equity

Requires EFCU Membership.
Loans from $5,000 to $150,000.
Available for first or second mortgages.
First mortgage - 10 year term.
Second mortgage - 5, 10 or 15 year term.
Loanable equity is determined by 80% of appraised value and subtracting balance of first mortgage loan.
Property must be a single-family, primary residence.
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
There will be closing costs involved such as an appraisal, mortgagee title insurance, recording fees and documentary stamps.
In an effort to provide the most fair and accurate Loan Estimate to assist you in comparing between lenders, please thoroughly complete the credit application with accurate information and figures.
A Mortgage Services team member may be in touch should we find that further information is needed pertaining to your loan request.

HOME EQUITY LINE OF CREDIT

Home Equity Line-of-Credit is available from $5k to $150k for first or second mortgages on owner-occupied, single-family, primary residences.Once you have established your Home Equity Credit Line, you may use your Home Equity Mastercard^® to make purchases, up to your credit limit.

APPLY FOR A
HELOC MASTERCARD

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HOME EQUITY LINE OF CREDIT

INTEREST RATE	MINIMUM ADVANCE	CLOSING COSTS
5.50% APR*	$5,000	NONE

*APR = Annual Percentage Rate. Rates and terms subject to change without notice. Interest rates will vary based on the Wall Street Journal Prime Rate which was 5.50% as of 12/20/2018. Minimum monthly payments are calculated based on 1.50% of the New Balance or $35, whichever is greater.

Maximum Loan Amounts & Restrictions - Home Equity Line of Credit

Requires EFCU Membership.
Loans from $5,000 to $150,000.
Available for first or second mortgages.
Insurance is required on first liens.
Loanable Equity is determined by 80% of appraised value, subtracting balance of first mortgage loan.
Collateral must be primary residence, single-family dwelling.
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
Available on new lines of credit and subject to credit approval.
Maximum APR will not exceed 16%.
There is a 1.1% International Transaction Fee on foreign transactions.
The 'No Closing Costs' special does not include appraisal fees, but appraisal may not be necessary with an acceptable tax assessment.
Consult a tax advisor regarding the deductibility of interest on this loan.
Offer not available/valid on manufactured homes.

Mastercard Guide to Benefits for Credit Cardholders

UNIMPROVED PROPERTY LOANS

Unimproved property loans are available from $5k to $150k on residential lots and non-commercial raw land (20 acres or less).

APPLY FOR AN UNIMPROVED PROPERTY LOAN

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UNIMPROVED PROPERTY LOAN - FIXED RATE

MAX TERM	APR*
5 years	8.50%
10 years	9.00%

*APR = Annual Percentage Rate. Rates are subject to change at any time. Minimum monthly payment on all loans is $35.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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Maximum Loan Amounts & Restrictions - Unimproved Property

Requires EFCU membership.
Loans from $5,000 to $150,000.
Loanable equity is determined by 80% of appraised value or purchase price; whichever is less; or 100% of tax assessed value
Property must be residential or non-commercial raw land, 20 acres or less.
In an effort to provide the most fair and accurate Loan Estimate to assist you in comparing between lenders, please thoroughly complete the credit application with accurate information and figures.
A Mortgage Services team member may be in touch should we find that further information is needed pertaining to your loan request.

CONSTRUCTION LOANS

We offer Construction/Perm loans from $25,000 to $484,350 on residential property for owner-occupied primary residence. Call 850.862.0111 option 3 or contact us via secure email to apply for a construction/perm loan today.

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CONSTRUCTION/PERM LOAN - FIXED RATE

MAX TERM	APR*
9 months	5.50%

*APR = Annual Percentage Rate. Minimum monthly payment on all loans is $35. Rates are subject to change at any time

Maximum Loan Amounts & Restrictions - Construction/Perm Loans

Requires EFCU Membership.
Loans from $25,000 to $484,350
80% Loan-to-value
Requires 10% of the appraised value in liquid assets
Property must be residential for owner-occupied primary residence
Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
Closing costs may include, but are not limited to: appraisal fee, mortgage title insurance, recording fees, documentary stamps, flood determination fees and credit bureau fees.
Lock permanent rate within 45 days from completion.
Interest-only payments required during construction phase.
No pre-payment penalty.

PERSONAL SIGNATURE LOANS

PERSONAL SIGNATURE LOAN

LOAN TERM	APR* as low as	MAX LOAN AMOUNT
42 Months	13.90%	$20,000

*APR = Annual Percentage Rate.
The above rates are current as of Sunday, May 19, 2019 and are subject to change.

Terms & Conditions - Personal Signature

Requires EFCU membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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LINE OF CREDIT SIGNATURE LOANS

LINE OF CREDIT SIGNATURE LOAN

LOAN TERM	APR* as low as	MAX LOAN AMOUNT
------	12.90%	$20,000

*APR = Annual Percentage Rate.
The above rates are current as of Sunday, May 19, 2019 and are subject to change.

Terms & Conditions - Line of Credit Signature

Requires EFCU membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35 or 3% of the balance owed.

SALARY ADVANCE FOR EMERGENCY (SAFE) LOANS

SAFE LOAN

REPAYMENT PERIOD	APR*	MAX LOAN AMOUNT
120 days	16.9%	$500

*APR = Annual Percentage Rate.
The above rates are current as of Sunday, May 19, 2019 and are subject to change.

Sample Repayment: A $500 loan for 120 days at 16.9% would result in the following approximate payments: $129.34 Monthly, $73.40 Biweekly, or $30.27 Weekly.

Terms & Conditions - SAFE Loan

Your EFCU account must be in good standing and have been opened for at least 30 days.
You must be with your current employer for at least two months.
Your payroll must be direct deposited to your Eglin FCU account.
The loan amount is limited to ½ of your monthly pay or $500, whichever is less.
You must bring in your most current pay statement to establish a SAFE loan.
Payments can be made automatically by transfer.
You can only have one SAFE Loan at a time. Your SAFE Loan must be paid off before applying for another loan.
Members are required to complete the BALANCE Money Management Counseling course prior to receiving their second SAFE Loan of each calendar year. To enroll in the course, call 888.456.2227. This course is not offered online.
Only four SAFE Loans are allowed during one calendar year.
Minimum payment is $25 weekly or $50 bi-weekly/semi-monthly or $100 monthly.
Payments are due on each payday.

GUARANTOR LOANS

GUARANTOR LOAN

REPAYMENT PERIOD	APR* as low as	MAX LOAN AMOUNT
42 Months	13.90%	$3000

*APR = Annual Percentage Rate.
The above rates are current as of Sunday, May 19, 2019 and are subject to change.

Terms & Conditions - Guarantor Loans

Requires EFCU Membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35
The guarantor must qualify for the loan and agrees to be liable in the event the primary borrower defaults.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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SAVINGS ASSISTANCE LOANS

SAVINGS ASSISTANCE LOAN

REPAYMENT PERIOD	APR* as low as	MAX LOAN AMOUNT
42 Months	5.00%	$2000

*APR = Annual Percentage Rate.
The above rates are current as of Sunday, May 19, 2019 and are subject to change.

Terms & Conditions - Savings Assistance Loan

Must be an EFCU member and 18 years of age or older to establish a Savings Assistance Loan.
SAL proceeds are deposited into member's share suffix 1, these shares will be used to secure this loan.
The entire deposit will be on hold until the SAL is paid in full.
Members may have only one SAL at a time.
Maximum loan amount is $2,000.
Monthly minimum repayment is a percentage of the amount borrowed or $35 per month.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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SHARE SECURED LOANS

SHARE SECURED LOAN

LOAN TYPE	MAX LOAN AMOUNT	REPAYMENT PERIOD	APR*
Share Loan Pledging S1 or S4	Available balance in account pledged	84 months	2.00%
Share Loan Pledging S7	Available balance in account pledged	84 months	2.50%
Share Loan (Variable Rate)	Secured by funds in S-1. Rate adjusted quarterly, APR* 3% above S-1 dividend rate.	84 months	Variable%
Share Certificate Loan	Rate is 3% above Share Certificate Rate. Maximum term is Maturity of Share Certificate.	Paid at maturity	3% above Share Certificate Rate

*APR = Annual Percentage Rate.
The above rates are current as of Sunday, May 19, 2019 and are subject to change.
Requires EFCU membership.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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PREMIUM CHECKING (S9)

PREMIUM CHECKING	DIVIDEND RATE	APY*
A $500 minimum balance is required to earn dividends. The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter. Dividend rate and APY are variable and subject to change after the account is opened. If you close your account before dividends are paid you will not receive the accrued dividends.	.15%	.15%