Auto Loans

Effective Date:  April 21, 2025

New and used vehicle rates are the same. Actual APR determined by credit history, approved loan amount, loan term and collateral. For special promotional rate, vehicle must have been purchased January 2025 or after.

Payment example: The monthly payment per $1,000 borrowed at 8.99% APR for a term of five years would require 60 payments of $20.76 (per $1,000).

**The offer begins 4/21/25 for accounts in good standing. If a deferral is set up during the loan process, principal or interest payments are not required for 180 days from the loan funding date. Interest will accrue during the deferred payment period. The offer is not valid for internal refinances on existing EMUCU loans. Loans with a deferred first payment of more than 90 days are not eligible for GAP coverage. Offer subject to credit approval. Rates vary based on credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Must be new loan to EMUCU or refinance of loan from another financial institution. For refinances from another financial institution to qualify, vehicle must have been purchased January 2025 or after.

 

Home Loan Rates

Effective Date: January 1, 2025
For mortgages, click here. 

Other Loans

Effective Date: February 1, 2025

Loan approval dependent upon credit history.
*Actual APR determined by credit history, approved loan amount and loan term. 
Payment example: The monthly payment per $1,000 borrowed at 13.75% APR for a term of four years would require 48 payments of $27.22 (per $1,000).

Effective Date: April 8, 2024

Visa Platinum Optimum and Cash Rewards Disclosure
 

Effective Date: April 8, 2024
Variable rate account. Rate may change after account is opened. 

Effective Date: March 24, 2025
Variable rate account. Rate may change after account is opened. 

Effective Date: August 19, 2024
A penalty may be imposed for early withdrawal.

Checking Accounts
Account/Activity	Fee
Basic Checking	No monthly fee
Interest Checking Monthly Maintenance (no monthly maintenance fee with a minimum daily balance of $500)	$8.00
Stop payment (per stop requested) Please note that a stop payment made using TellerPhone (telephone teller) or online banking is valid for two weeks. Before the two-week expiration date, you will receive a form from the credit union that you can use to authorize an extension of the stop payment. You need to sign the form and return it to EMUCU.	$30.00
Temporary Checks (4)	$2.00

Overdraft Fees
Account/Activity	Fee
Courtesy Pay*	$30.00
Non-Sufficient Funds* (Each time check or preauthorized withdrawal is presented)	$30.00
Overdraft Protection  (preauthorized transfers from savings, checking, Visa, or Line of Credit)	$2.00

*Please refer to your Membership and Account Agreement for more information on how NSF/Insufficient Funds fees and Courtesy Pay Fees are charged.

Visa Debit Card & ATM Fees
Account/Activity	Fee
Replacement Card	$7.50
Non-EMUCU/ Non-CO-OP Network ATM Transaction (Fee waived for 4 transactions per month for accounts in good standing. All transactions free for CU+ accounts in good standing. Additional surcharge fees charged by non-EMUCU ATM owners may apply.)	$2.00
Foreign Transaction (transaction in foreign currency or with a merchant located in a foreign country)	1% of the transaction amount after it is converted to US dollars
Sales Draft Copy	$10.00

Foreign Items
Account/Activity	Fee
Foreign Item Deposit (plus applicable collection fees)	up to $20.00

Loan Fees
Account/Activity	Fee
Late Loan Payment	Refer to your loan contract for late fee amount
Lien Verification (per month after 45 days)	$75.00
Loan Payment Returned	$30.00
Refinance of EMUCU Loan	$75.00

Wire Transfers
Account/Activity	Fee
Incoming Wire	$10.00
Domestic Outgoing Wire	$25.00
International Outgoing Wire	$45.00

Credit Card Fees
Account/Activity	Fee
Annual Fee	None
Balance Transfer	No charge (interest begins accruing immediately)
Cash Advance	No charge (interest beings accruing immediately)
Foreign Transaction (transaction in foreign currency or with a merchant located in a foreign country)	1% of the transaction amount after it is converted to US dollars
Non-EMUCU/Non-CO-OP Network ATM Transaction	No Fee (additional surcharge fees charged by non-EMUCU ATM owners may apply.)
Overdraft Protection	$2.00 per transfer to your Checking or Savings account
Late Payment	Up to $35.00
Over-the-Credit Limit	None
Replacement Card	$7.50 for each card
Sales Draft Copy	$10.00
Statement Copy	$5.00
Account Research	$30.00 per hour

Miscellaneous
Account/Activity	Fee
Inactivity Fee (waived if aggregate balance is over $100 and / or activity on any share or loan on the account within the last 6 months)	$5.00 per month
Account Closing (if closed within first 90 days)	$10.00
Account Research	$30.00 per hour
Bill Pay Expedited Payment	$9.95
Cashier's Check	$4.00
Coin Orders	$1 per $100 over $1,000
Currency Orders	$0.10 per $100 over $5,000
Deposit Item Returned	$12.00 per item
Document / Item Copies (Account History, Statement, Checks)	$5.00
Garnishment/ Levy	$75.00
Holiday Savings Withdrawal (excludes transfer on November 1)	$5.00
Money Market Monthly Maintenance (no monthly maintenance fee with a minimum daily balance of $500)	$5.00
Non-Member Notary Fee	$10.00
Paper Statement	$3.00 monthly
Pre-Escheats	$100.00
Signature Guarantee Service	$5.00
Stop Payment (per stop requested)	$30.00
Visa Gift Card	$5.95