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Current Rates

Consumer Loans

Loan Types Approximate
Term
APR
Rates as Low As:
Payment
Calculator
New & Used Auto:
(2018-2009 model year)
Up to 36 months 1.75%+ Calculator
  37 - 60 months 2.25% + Calculator
  61- 72 months 3.25% + Calculator
  73 - 84 months 4.25% + Calculator
Motorcycle: Same terms and rates as above PLUS 1%
(the Credit Union does not finance Dirt Bikes or ATVs)
Used Auto
Model Year 2008 or older 
$2,000 - $12,000
Up to 36 months 6.25% + Calculator
New Motor Homes & Boats Up to 72 months 7.75% + Calculator
Used Motor Homes & Boats Up to 60 months 8.25% + Calculator
Personal Loan
$250 - $20,000
Up to 60 months 8.25% + Calculator
Member Express LOC up to $500 Up to 6 months 14.95% + Calculator
Share Secured Loan Up to 60 months 3.00% Calculator
Certificate Secured Loan   See Below Calculator
*Prime Plus (Line of Credit)   8.25% *  
*Continuing Education (Line of Credit)   8.25%*  
Overdraft Protection
EmoryLine up to $5,000
Student EmoryLine up to $300
 
12.00% +
12.00% +
 

+ These rates are Emory Alliance CU's best rates. These rates already reflect .25% discount for setting up automatic payment or payroll deduction of loan payment.   If loan payment is not set up with automatic payment or payroll deduction, .25% will be added to effective rate.  The rate may vary depending on each individual's credit history, underwriting factors and reflect mandatory automatic payment or payroll deduction of loan payment.

Savings

Deposit Balance Required for Dividends Dividend Rate Annual Percentage Yield
$     100.00 -  $    999.99 0.02% 0.02%
$  1,000.00 -  $19,999.99 0.02% 0.02%
$20,000.00 and over 0.02% 0.02%

Certificate of Deposit

Type Current Dividend Rate Annual Percentage
Rate
Advantage Club Rate Annual Percentage Yield
(Advantage Club)
36 Month Certificate 0.55% 0.55% 0.60% 0.60%
48 Month Certificate 0.71% 0.71% 0.76% 0.76%
60 Month Certificate 0.90%  0.90% 0.95% 0.95%

** Simple Interest

IRA Certificate of Deposit

Type Current Dividend Rate Annual Percentage
Rate
Advantage Club Rate Annual Percentage Yield
(Advantage Club)
6 Month Certificate    0.05%**     0.10%**  
12 Month Certificate 0.15% 0.15% 0.20% 0.20%
24 Month Certificate 0.30%  0.30% 0.35% 0.35%
36 Month Certificate 0.55% 0.55% 0.60% 0.60%
48 Month Certificate 0.71% 0.71% 0.76% 0.76%
60 Month Certificate 0.90%  0.90% 0.95% 0.95%

** Simple Interest

Money Market Accounts

Type Deposit Balance Required for Dividends Dividend Rate Annual Percentage Yield
Money Market $   100 - $ 2,499.99 0.01% 0.01%
  $2,500 - $ 9,999.99 0.01% 0.01%
Money Max $   100 - $ 2,499.99 0.01% 0.01%
  $ 2,500 - $ 9,999.99 0.01% 0.01%
  $10,000 - $49,999.99 0.02% 0.02%
Diamond Account $   100 - $ 2,499.99 0.01% 0.01%
  $ 2,500 - $ 9,999.99 0.01% 0.01%
  $10,000 - $49,999.99 0.02% 0.02%
  $50,000 and over 0.03% 0.03%

Checking

Type Deposit Balance
Required for Dividend
Dividend Rate Annual Percentage Yield
Smart Checking $   500.00  -  $ 1,499.99 0.01% 0.01%
  $ 1,500.00 -  $24,999.99 0.01% 0.01%
  $25,000.00 - $49,999.99 0.01% 0.01%
  $50,000.00 - $74,999.99 0.01% 0.01%
  $75,000.00  and over 0.01% 0.01%
Advantage Checking $100 and over 0.01% 0.01%
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