Consumer Loan Rates

(Effective as of August 2009)

The rates listed below reflect a .50% rate reduction for automatic loan payment (with the exception of Share Secured, Certificate Secured, and Visa Loans). Loans repaid by cash are subject to a .50% rate increase, where applicable. The lowest rates displayed are our best loan rates. All Edwards Federal Credit Union Loans are open-end and all rates are fixed except where indicated otherwise.  All rates are subject to change.

* Signature (Closed-End) Example: $3,000 borrowed @9.74% APR, 30-day due date, 60 mos. term = 59 payments of approximately $63.37, and one payment of approximately $62.88. Total finance charges = $801.71 and total repaid is $3,801.71

** The Annual Percentage Rate is a variable rate tied to the Wall Street Journal Prime Rate (which may change at any time). The APR may change quarterly. Maximum lifetime rate is 18% APR, and the maximum loan amount is $150,000. The APR does not include any costs other than interest.
For additional information about the current index, margin or APR, please contact us.

*** Based upon creditworthiness - All loans are subject to credit approval

**** Home Equity (Closed-End) Loan Example: $30,000 borrowed @7% APR, 120 mos. and a 31-day due date = 120 payments of $ 348.33. Total finance charges = $11,799.05. Total repayment amount = $41,799.05. All loan figures are approximates.