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Source: https://www.ecu.com/rates/
Read: 2026-10-22T16:21:50.000Z

Rates | Achieving More Together | Educators CU, Wisconsin
N/A | Dividend Rate | APY 1 | Minimum
1 APY = Annual Percentage Yield. Rates are subject to change after account opening. 2 Fees may reduce earnings. Minimum amount is minimum account balance to earn interest.
Checking | Dividend Rate 0.01% | APY 1 0.01% | Minimum $2,500
Savings Type | Dividend Rate | APY 1 | Minimum
1 APY = Annual Percentage Yield. Rates are effective as of 10/01/2026 . Fees may reduce earnings. Minimum amount is minimum account balance to earn dividends. 2 An HSA has a $25 set-up fee. 3 Only open to Wisconsin, Illinois and Minnesota residents. Fiduciary and business accounts are not eligible. For all the account disclosures, please go to www.ecu.com/sweepstakes. 4 IBEW members in Wisconsin and Michigan Only.
Savings Type Prime Share Savings | Dividend Rate 0.06% | APY 1 0.06% | Minimum $100
Savings Type Change Up ® Savings | Dividend Rate 0.51% | APY 1 0.51% | Minimum $0
Savings Type HSA 2 (Health Savings Account) | Dividend Rate 0.76% | APY 1 0.76% | Minimum $100
Savings Type Special & Club Savings Accounts | Dividend Rate 0.06% | APY 1 0.06% | Minimum $100
Savings Type Saver’s Sweepstakes ®3 | Dividend Rate 0.20% | APY 1 0.20% | Minimum $0
Savings Type IBEW Savings 4 | Dividend Rate 0.51% | APY 1 0.51% | Minimum $100
Type | Dividend Rate | APY 2 | Minimum
1 For Premium Money Market the minimum to open account is $10,000. 2 APY = Annual Percentage Yield. Rates are effective as of 10 /01/2026 . Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. 3 Minimum Deposit—$10,000. Account balance cannot drop below $10,000. Rates may change after the account has been opened.
Type Premium Money Market 3 | Dividend Rate 1.00% | APY 2 1.00% | Minimum $10,000
Type Premium Money Market | Dividend Rate 2.55% | APY 2 2.58% | Minimum $50,000
Type Premium Money Market | Dividend Rate 2.64% | APY 2 2.67% | Minimum $75,000
Type Premium Money Market | Dividend Rate 2.76% | APY 2 2.80% | Minimum $100,000
Type Premium Money Market | Dividend Rate 2.96% | APY 2 3.00% | Minimum $250,000
Account Type | Dividend Rate | APY 2 | Minimum
1 IRA minimum deposit: $25 2 APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Fees may reduce earnings. Minimum amount is minimum account balance to earn interest. Regular account minimum deposit—$1,000. $10 fee per month for daily balances below $1,000.
Account Type High Yield Money Market | Dividend Rate 0.06% | APY 2 0.06% | Minimum <$2,500
Account Type High Yield Money Market | Dividend Rate 0.08% | APY 2 0.08% | Minimum $2,500
Account Type High Yield Money Market | Dividend Rate 0.11% | APY 2 0.11% | Minimum $10,000
Account Type High Yield Money Market | Dividend Rate 0.14% | APY 2 0.14% | Minimum $25,000
Account Type High Yield Money Market | Dividend Rate 0.19% | APY 2 0.19% | Minimum $50,000
Type | Dividend Rate 2 | APY 3
1 Rates are for new share certificates only and require $500 minimum. Penalty will or may be imposed for early withdrawal. 2 Fees could reduce earnings on the account. 3 APY = Annual Percentage Yield. Rates are effective as of 10/01/2026 .
Type 91 Days | Dividend Rate 2 1.79% | APY 3 1.80%
Type 182 Days | Dividend Rate 2 1.89% | APY 3 1.90%
Type 275 Days (Add-on) | Dividend Rate 2 1.94% | APY 3 1.95%
Type 1 Year | Dividend Rate 2 2.23% | APY 3 2.25%
Type 18 Months | Dividend Rate 2 2.33% | APY 3 2.35%
Type 2 Years | Dividend Rate 2 2.58% | APY 3 2.60%
Type 30 Months (Add-on) | Dividend Rate 2 2.62% | APY 3 2.65%
Type 3 Years | Dividend Rate 2 2.72% | APY 3 2.75%
Type 4 Years | Dividend Rate 2 2.82% | APY 3 2.85%
Type 5 Years | Dividend Rate 2 2.97% | APY 3 3.00%
Type 7 Month Special | Dividend Rate 2 4.14% | APY 3 4.20%
Type 15 Month Special | Dividend Rate 2 4.14% | APY 3 4.20%
CARD TYPE | APR 1 | Payment per $1,000
1 APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed. 2 Visa ® Platinum rates start at 10.90%. Subject to credit approval. 3 Visa ® Signature variable rates start at 7% over Prime Rate and are adjusted quarterly. Subject to credit approval.
CARD TYPE Visa ® Platinum Card 2 | APR 1 10.90% | Payment per $1,000 $25.00
CARD TYPE Visa ® Signature Card - Cash Back Card 3 | APR 1 Starting at 14.00%* | Payment per $1,000 $25.00
Home Loans Mortgage Rates as of 10/22/2026 | 30-day rate lock expires 11/21/ 2026
Type | RATE | APR 1 | Payment per $1,000 | POINTS 2
Minimum mortgage loan of $30,000. Minimum credit score 620. 1 APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 2 Mortgage points, or discount points are a form of prepaid interest you can choose to pay up front in the exchange for a lower rate and monthly payment. One mortgage point is equal to about 1% of your loan amount.
Type 30-year Fixed | RATE 7.125% | APR 1 7.179% | Payment per $1,000 $6.75 | POINTS 2 0.00%
Type 30-year Buydown 1 | RATE 6.750% | APR 1 6.958% | Payment per $1,000 $6.49 | POINTS 2 1.54%
Type 20-year Fixed | RATE 6.750% | APR 1 6.819% | Payment per $1,000 $7.61 | POINTS 2 0.00%
Type 15-year Fixed | RATE 6.375% | APR 1 6.460% | Payment per $1,000 $8.65 | POINTS 2 0.00%
Type 10-year Fixed | RATE 6.000% | APR 1 6.119% | Payment per $1,000 $11.11 | POINTS 2 0.00%
Type | RATE | APR 1 | Payment per $1,000
Up to 30-year amortization. Closing costs = $1,600. 1 APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 2/1 ARM means that the first two years have a locked APR set at closing. The rate can then change by 1% after the first two years and every year after. The rate cannot increase more than 8% during the life of the loan. 5/1 ARM means that the first five years have a locked APR set at closing. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan. Investments 1% higher on the current ARM rate. $1,900 closing cost.
Type 2/1 | RATE 6.000% | APR 1 6.050% | Payment per $1,000 $6.00
Type 5/1* | RATE 6.250% | APR 1 6.301% | Payment per $1,000 $6.16
Term | RATE | APR 1 | PAYMENT PER $1000
10-year fixed refinance. Closing costs = $600. Maximum loan amount $249,999. Refinance loan amounts equal to or under $249,999 at 80% LTV. 1 APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval.
Term 10-year Fixed | RATE 6.000% | APR 1 6.133% | PAYMENT PER $1000 $11.11
Type | RATE | APR 1 | Payment per $1,000
1 APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required. 4 No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. 5 Max. LTV: 90%. $1,600 closing cost. Min. credit score 620. Certificate of Eligibility required.
Type 15-year Fixed 4 | RATE 6.250% | APR 1 6.335% | Payment per $1,000 $8.58
Type 30-year Fixed 4 | RATE 6.750% | APR 1 6.803% | Payment per $1,000 $6.49
Type Fixed VA Refinance 5 | RATE 7.125% | APR 1 7.179% | Payment per $1,000 $6.75
Type | RATE | APR 1 | Payment per $1,000
Type Fixed Rate | RATE 4.875% | APR 1 4.875% | Payment per $1,000 $5.30
5/5 ARM 2 | RATE | APR 1 | PAYMENT PER $1000
1 APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty. 2 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660. 3 90% LTV. As a 15-year fixed (based off $10K loan amount). Minimum credit score 660. Applies to up to 2 family/duplex properties. Contact us for more information about investment properties or non-owner occupied homes.
5/5 ARM 2 Maximum second mortgage 5% LTV | RATE 6.625% | APR 1 6.625% | PAYMENT PER $1000 $6.41
5/5 ARM 2 Maximum second mortgage 7% LTV | RATE 6.750% | APR 1 6.750% | PAYMENT PER $1000 $6.49
5/5 ARM 2 SECOND MORTGAGE 3 | RATE RATE | APR 1 APR 1 | PAYMENT PER $1000 PAYMENT PER $1,000
5/5 ARM 2 Maximum second mortgage 5% LTV | RATE 8.875% | APR 1 8.875% | PAYMENT PER $1000 $10.08
5/5 ARM 2 Maximum second mortgage 7% LTV | RATE 9.125% | APR 1 9.125% | PAYMENT PER $1000 $10.23
5/5 ARM | RATE (0.000 PTS) | APR 1 | COST PER $1000
PMI required over 80% LTV. 99% LTV. 30-year amortization. Minimum credit score 740+. Occupation restrictions apply. No closing costs. 1 APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty. Single family owner occupied homes only. Contact us for more information about investment properties or non-owner occupied homes.
5/5 ARM Adjustable Rate | RATE (0.000 PTS) 6.500% | APR 1 6.500% | COST PER $1000 $6.33
Type | RATE | APR 1 | PAYMENT PER $1000
1 APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. 2 1-year term with conversion to 5-year ARM after completion. Maximum 90% LTV. $1,600 closing cost + cost of title. 3 1-year term with conversion to fixed rate after completion. Maximum. 95% LTV. $1,600 closing cost + cost of title. PMI over 80% LTV.
Type 5/1 Adjustable 2 | RATE 6.250% | APR 1 6.377% | PAYMENT PER $1000 $6.16
Type Fixed 3 | RATE 7.125% | APR 1 7.260% | PAYMENT PER $1000 $6.75
Type | RATE | APR 1 | PAYMENT PER $1000
1 APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. 2 2-year ARM minimum $25K (APR based on $100K). 15-year amortization. $1,600 closing cost. Maximum 90% LTV on purchases and maximum 80% on refinance.
Type 2/1 Adjustable 2 | RATE 6.000% | APR 1 6.084% | PAYMENT PER $1000 $8.45
Loan to Value | Rate | APR 1 | Payment per $1,000
Loan to Value Fixed | Rate 6.875% | APR 1 6.928% | Payment per $1,000 $6.58
Type | APR 1 as low as | Payment per $1,000
Normal closing cost approximately $199 (for title search and recording) unless appraisal is needed. For approval, an appraisal or tax statement value is needed. Appraisal may be required. 1 APR=Annual Percentage Rate and effective as of 10/01/2026 . This is a fixed rate. 2 Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply.
Type 80% or less | APR 1 as low as 6.20% | Payment per $1,000 $19.43
Type 81%-90% | APR 1 as low as 8.15% | Payment per $1,000 $20.35
Type 91%-100% | APR 1 as low as 9.65% | Payment per $1,000 $21.08
Loan to Value | Intro Rate 3 | APR 1
1 APR = Annual Percentage Rate and effective as of 10/01/2026 . This is a variable rate. Max APR is 17.9%. 2 Rate adjusted quarterly to -0.51% to +1.99% over Prime Rate. Maximum loan 100% of appraisal value, total 1st and 2nd mortgages. Closing cost, appraisal cost, and other fees may apply. 3 An eligible member will receive an introductory rate of 0% for the first 3 months. Member must open a new home equity line of credit OR refinance an existing Educators Credit Union HELOC with an additional $5,000 added to the line of credit. After the 3-month introductory period, the rate will revert to the current rate.
Loan to Value <80% LTV 2 | Intro Rate 3 0% | APR 1 6.49%
Loan to Value 81%-90% LTV 2 | Intro Rate 3 0% | APR 1 7.99%
Loan to Value 91%-100% LTV 2 | Intro Rate 3 0% | APR 1 8.99%
Type | Vehicle Year | APR 2 as low as | Payment Per $1,000 3
1 Financing up to 105% of approximate retail value. Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. 2 APR = Annual Percentage Rate. 3 Payment per $1,000 borrowed based on 36-month term and stated rate.
Type New | Vehicle Year 2025-2027 | APR 2 as low as 4.80% | Payment Per $1,000 3 $29.88
Type Used | Vehicle Year 2017-2024 | APR 2 as low as 4.85% | Payment Per $1,000 3 $29.90
Type Older | Vehicle Year 2011-2016 | APR 2 as low as 10.69% | Payment Per $1,000 3 $32.59
TYPE | APR 2 as low as | Payment Per $1,000 3
1 Financing up to 80% of approximate retail value. Qualifying items: RV, Boat, UTV or other collateral. Rates above based on credit score >=670 and 36-month term. Actual rates, terms and loan amounts subject to credit approval. Other restrictions may apply. 2 APR = Annual Percentage Rate. 3 Payment per $1,000 borrowed based on 36-month term and stated rate.
TYPE 1 Other Secured | APR 2 as low as 4.85% | Payment Per $1,000 3 $29.90
Type | APR 1 as low as | Payment per $1,000 as low as | Maximum Term 2
APR 1 = Annual Percentage Rate. Share Savings Secured Rate is 3% above the current Savings Rate. 2 Payment per $1,000 borrowed based on maximum terms and stated rate. 3 Rates and terms may vary based on credit score and final loan amount. Share Savings Secured rate is 3% above current Savings rate. Other restrictions may apply.
Type Unsecured Personal Loan | APR 1 as low as 10.90% | Payment per $1,000 as low as $21.69 | Maximum Term 2 5 Years
Type Share Savings Secured 3 | APR 1 as low as 3.06% | Payment per $1,000 as low as $18.00 | Maximum Term 2 5 years
Type Share Certificate Secured | APR 1 as low as 3% over Share Certificate Rate | Payment per $1,000 as low as - | Maximum Term 2 Certificate Term
Type LendKey Consolidation Loan | APR 1 as low as 7.75% | Payment per $1,000 as low as $9.41 | Maximum Term 2 15 Years
Type LendKey In-School Loan | APR 1 as low as 7.75% | Payment per $1,000 as low as $9.41 | Maximum Term 2 15 Years
Type Credit Rebuilder Loan ($2,000 max.) | APR 1 as low as 19.90% | Payment per $1,000 as low as $37.11 | Maximum Term 2 1-3 Years
Type Rapid Relief | APR 1 as low as 19.90% | Payment per $1,000 as low as $176.47 | Maximum Term 2 6 Months
### What is the difference between APR and APY?
APR (Annual Percentage Rate) represents the annual cost of borrowing money and is commonly used for loans and credit products. APY (Annual Percentage Yield) represents the annual amount you can earn on a deposit account. In general, APR applies to borrowing, while APY applies to earning dividends on your deposits.
APY = Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change after account opening.