Rates
Rates are effective as of Wednesday, September 8, 2010 and are subject to change daily without notice. All accounts, except Term Share Certificates and Individual Retirement Accounts, are variable rate accounts. Dividend rate and Annual Percentage Yield (APY) apply to the entire balance in the account. For more details, please call (949) 588-9400 or (800) EAGLE CU (324-5328) or visit the Eagle CU branch nearest to you.
| Access Savings and Custom Savings |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $25 |
$100 |
0.100% |
0.100% |
| $25 |
$1,000 |
0.150% |
0.150% |
| $25 |
$2,500 |
0.250% |
0.250% |
| Holiday Club |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $25 |
$100 |
0.100% |
0.100% |
| Circus Club Access Savings† |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $5 |
$5 |
0.100% |
0.100% |
| $5 |
$1,000 |
0.150% |
0.150% |
| $5 |
$2,500 |
0.250% |
0.250% |
| Green Team Access Savings† |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $25 |
$25 |
0.100% |
0.100% |
| $25 |
$1,000 |
0.150% |
0.150% |
| $25 |
$2,500 |
0.250% |
0.250% |
| Primary Savings (Existing Accounts Only) |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| N/A |
$100 |
0.100% |
0.100% |
| Premium Advantage Money Market Account |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $2,500 |
$2,500 |
0.499% |
0.500% |
| $2,500 |
$10,000 |
0.598% |
0.600% |
| $2,500 |
$25,000 |
0.698% |
0.700% |
| $2,500 |
$50,000 |
0.797% |
0.800% |
| $2,500 |
$100,000 |
0.896% |
0.900% |
| Ultimate Checking |
| Min. to Open | Minimum to Avoid Fees | Min. to Earn APY* | Dividend Rate | APY* |
| $25 |
0 |
$0 |
0.050% |
0.050% |
| $25 |
0 |
$10,000 |
0.100% |
0.100% |
| $25 |
0 |
$100,000 |
0.250% |
0.250% |
| $2,000 Term Share Certificate |
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| 3 months |
$2,000 |
$2,000 |
0.499% |
0.500% |
| 6 months |
$2,000 |
$2,000 |
0.896% |
0.900% |
| 12 months |
$2,000 |
$2,000 |
1.193% |
1.200% |
| 24 months |
$2,000 |
$2,000 |
1.588% |
1.600% |
| 36 months |
$2,000 |
$2,000 |
1.982% |
2.000% |
| 48 months |
$2,000 |
$2,000 |
2.374% |
2.400% |
| 60 months |
$2,000 |
$2,000 |
2.765% |
2.800% |
| $50,000 Term Share Certificate |
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| 3 months |
$50,000 |
$50,000 |
0.549% |
0.550% |
| 6 months |
$50,000 |
$50,000 |
0.946% |
0.950% |
| 12 months |
$50,000 |
$50,000 |
1.243% |
1.250% |
| 24 months |
$50,000 |
$50,000 |
1.638% |
1.650% |
| 36 months |
$50,000 |
$50,000 |
2.031% |
2.050% |
| 48 months |
$50,000 |
$50,000 |
2.423% |
2.450% |
| 60 months |
$50,000 |
$50,000 |
2.813% |
2.850% |
| $100,000 Term Share Certificate |
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| 3 months |
$100,000 |
$100,000 |
0.598% |
0.600% |
| 6 months |
$100,000 |
$100,000 |
0.995% |
1.000% |
| 12 months |
$100,000 |
$100,000 |
1.292% |
1.300% |
| 24 months |
$100,000 |
$100,000 |
1.687% |
1.700% |
| 36 months |
$100,000 |
$100,000 |
2.080% |
2.100% |
| 48 months |
$100,000 |
$100,000 |
2.472% |
2.500% |
| 60 months |
$100,000 |
$100,000 |
2.862% |
2.900% |
| STRETCH Certificate |
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| 10 months** |
$5,000 |
$5,000 |
1.193% |
1.200% |
| Early Saver Certificate |
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| 3 months |
$500 |
$500 |
0.499% |
0.500% |
| 6 months |
$500 |
$500 |
0.896% |
0.900% |
| 12 months |
$500 |
$500 |
1.193% |
1.200% |
| 24 months |
$500 |
$500 |
1.588% |
1.600% |
| 36 months |
$500 |
$500 |
1.982% |
2.000% |
| 48 months |
$500 |
$500 |
2.374% |
2.400% |
| 60 months |
$500 |
$500 |
2.765% |
2.800% |
| IRA Certificates* |
| Term‡ | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| 12 months |
$2,000 |
$2,000 |
1.292% |
1.300% |
| 18 months |
$2,000 |
$2,000 |
1.490% |
1.500% |
| 24 months |
$2,000 |
$2,000 |
1.687% |
1.700% |
| 36 months |
$2,000 |
$2,000 |
2.080% |
2.100% |
| 48 months |
$2,000 |
$2,000 |
2.472% |
2.500% |
| 60 months |
$2,000 |
$2,000 |
2.862% |
2.900% |
| IRA Savings* |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $100 |
$100 |
0.250% |
0.250% |
| $100 |
$100,000 |
0.499% |
0.500% |
| IRA SEP Savings* |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $100 |
$100 |
0.250% |
0.250% |
| $100 |
$100,000 |
0.499% |
0.500% |
| Coverdell Education Savings* |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $100 |
$100 |
0.250% |
0.250% |
| $100 |
$10,000 |
0.499% |
0.500% |
| ROTH IRA Savings* |
| Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
| $100 |
$100 |
0.250% |
0.250% |
| $100 |
$100,000 |
0.499% |
0.500% |
* APY = Annual Percentage Yield. Dividend penalty applies for early withdrawal on Term Share Certificates; fees may reduce earnings. 10% penalty for early withdrawal for any portion or all of an IRA before age 59 1/2, unless exception applies. Deposits are insured to at least $250,000 by the National Credit Union Administration, a government agency. Read Eagle CU's Terms and Conditions for Member Accounts.
** STRETCH Certificate: The option to extend by an additional 5 months may be exercised any time during the 5th month to receive the then-current STRETCH Certificate rate. If the then-current STRETCH Certificate rate is lower than the original rate, no extension will be permitted. Penalties apply for early withdrawal. Fees may reduce earnings.
‡ IRA Certificate terms: Members may open a Traditional, Roth, or Coverdell Education certificate at any term. For SEP IRAs, members may only open a 48-month, a 60-month, or a variable term certificate.
† Circus Club (ages 0-12) and Green Team (ages 13-17) members may open an Early Savers Certificate with a minimum deposit of $500 and earn the $2,000 Share Certificate rate and APY, based on term. Terms available: 3 - 60 months. At maturity, funds in an Early Saver Certificate automatically transfer to the member’s savings account, if a member is 18 or older. Penalties apply for early withdrawal.
| New Vehicle |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| 36 months |
5.74% - 15.74% |
100% |
$454.56 - $525.35 |
| 48 months |
5.74% - 15.74% |
100% |
$350.49 - $423.04 |
| 60 months |
5.74% - 15.74% |
100% |
$288.18 - $362.67 |
| 72 months |
5.74% - 15.74% |
100% |
$246.76 - $323.22 |
| 84 months |
6.24% - 15.74% |
100% |
$220.86 - $297.86 |
| Used Vehicle |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| 36 months |
6.24% - 16.24% |
100% |
$457.96 - $529.05 |
| 48 months |
6.24% - 16.24% |
100% |
$353.93 - $426.88 |
| 60 months |
6.24% - 16.24% |
100% |
$291.67 - $366.65 |
| 72 months |
6.24% - 16.24% |
100% |
$250.30 - $327.34 |
| 84 months |
6.74% - 16.24% |
100% |
$224.49 - $302.12 |
| First Time Car Buyer |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| 36 months |
15.74% - 16.24% |
80% |
$525.35 - $529.05 |
| 48 months |
15.74% - 16.24% |
80% |
$423.04 - $426.88 |
| 60 months |
15.74% - 16.24% |
80% |
$362.67 - $366.65 |
| New or Used Recreational Vehicle |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| 36 months |
7.75% - 17.25% |
100% |
$468.28 - $536.56 |
| 48 months |
7.75% - 17.25% |
100% |
$364.41 - $434.69 |
| 60 months |
7.75% - 17.25% |
100% |
$302.35 - $374.77 |
| 72 months |
7.75% - 17.25% |
100% |
$261.17 - $335.76 |
| 84 months |
8.00% - 17.25% |
100% |
$233.80 - $310.87 |
| New or Used Motorcycle |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| 24 months |
9.74% - 17.75% |
100% |
$690.38 - $747.05 |
| 36 months |
9.74% - 17.75% |
100% |
$482.18 - $540.41 |
| 48 months |
10.24% - 18.25% |
100% |
$382.17 - $442.59 |
| New or Used Watercraft |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| 24 months |
9.74% - 17.75% |
100% |
$690.38 - $747.05 |
| 36 months |
9.74% - 17.75% |
100% |
$482.18 - $540.41 |
| 48 months |
10.24% - 18.25% |
100% |
$382.17 - $442.59 |
| Solutions Loan |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| 12 months |
9.74% - 17.75% |
- |
$1316.93 - $1373.42 |
| 24 months |
9.74% - 17.75% |
- |
$690.38 - $747.05 |
| 36 months |
9.99% - 17.99% |
- |
$483.94 - $542.21 |
| 48 months |
10.24% - 17.99% |
- |
$382.17 - $440.55 |
| 60 months |
10.49% - 17.99% |
- |
$322.33 - $380.82 |
| Certificate-Secured Loan |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| Term of Deposit |
2% over dividend rate |
90% |
- |
| Express Delivery Line of Credit |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| - |
9.74% - 17.75% |
- |
- |
| Share-Secured Loan |
| Term | APR* Range | Financing** | Monthly Payment ($15,000 loan) |
| - |
5.250% |
- |
- |
| Platinum Visa Credit Card |
| APR* Range | Balance Transfer APR* Range | Annual Fee |
| 9.50% - 18.90% |
9.50% - 18.90% |
$0 |
| Fixed Rate Loan |
| Term | APR* Range | Maximum Rate | LTV | Monthly Payment ($50,000 loan) |
| 15 years |
7.00% - 8.50% |
- |
80% |
$449.48 - $492.45 |
| Line of Credit†† |
| Term | APR† Range | Maximum Rate | LTV | Monthly Payment ($50,000 loan) |
| 25 years |
4.50% - 5.50% |
18.00% |
80% |
- |
For the most current mortgage loan rates and to get a personalized quote, please call (877) 332-2482.
| Mortgage Loan |
| Loan Type | Rate*** | APR*** | Points |
| Conforming 30 Year Fixed |
4.250% |
4.385% |
1.0 |
| Conforming 15 Year Fixed |
3.750% |
3.811% |
1.0 |
| High Balance 30 Year Fixed |
4.375% |
4.442% |
1.0 |
| Conforming 5/1 ARM |
3.250% |
3.377% |
1.0 |
| FHA 30 Year Fixed |
4.250% |
4.423% |
1.0 |
| VA 30 Year Fixed |
4.250% |
4.423% |
1.0 |
* APR = Annual Percentage Rate. APR received is determined by your credit qualifications. Maximum loan of $100,000 on vehicles, RVs and boats. Maximum loan of $25,000 on all other loans listed. First Time Buyer Program requires 10% down payment. There are no application fees on vehicle and consumer loans. Rates quoted include all available discounts.
** Financing includes taxes, license and fees. Financing is the maximum amount given. In some cases, you may not qualify for maximum financing.
*** The interest rates and associated points listed above are effective as of date listed above, represent lowest pricing for each product, and are not intended to be inclusive or a commitment to the pricing for which you may qualify. We offer more rate/point combinations. The loan and accompanying interest rates, points, and annual percentage rates (APRs) you may qualify for are based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. All loans are subject to a minimum credit qualifying score. Interest rates, points, and APRs are subject to change without notice.Not applicable to loan pre-approvals without property selected.
† Home Equity Line of Credit (HELOC) rate (APR) is based on the Prime Rate as published in the Wall Street Journal on the last day of each month, effective the following day, plus a margin, with a floor of 4.5% and a maximum APR of 18%. Rate is subject to change without notice. Your rate is determined by your credit score and in some cases you may not qualify for our best rate. Special rate requires automatic payment from an Eagle CU checking account. Rate is not offered on existing Eagle CU Home Equity Lines of Credit and may not be used to pay off existing Eagle CU home equity loan balances. Rates, terms and conditions are subject to change without notice.
†† Important Terms Of Our Home Equity Credit Line
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About Eagle CU
We were started in 1937 by a group of postal employees who pooled their money to help each other through financially trying times. Today we are 25,000 members strong and here to serve postal and federal employees and anyone who lives, works or worships in Orange County, CA.
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