A HELOC is a revolving line of credit that lets you borrow funds as you need them.1 You’ll only pay interest on what you use. Plus, the funds become available to use again as you make payments to the principal.
- No fees on loan amounts of $200,000 or less
- No closing costs on loan amounts of $200,000 or less
- Great rates2
- 20 Year Term
- Interest only payments for first 10 years3
- $5,000 loan minimum
- Fast approvals
- Transfer funds into your checking account anytime
Documentation that may be needed includes:
- Last two years of tax returns
- Last bank statement from your financial institution
- Last two check stubs from your employer(s)
- Last mortgage statement from your mortgage lender
- A legal description of the property
1Up to your credit limit. 2Approval and rates based on credit worthiness. We calculate your variable rate by adding 0.00-4.00% to the Prime Rate published in the “Money Rates” section of The Wall Street Journal every month. The rate will never be lower than 4.00% or more than 18.00%.
3Line is revolving for the first 10 years with interest only payments. The line is frozen for the second 10 years accepting monthly payments of 1.5% of balance or $50, whichever is greater. If not paid off at the end of the term, a balloon payment may be required. Example: On a $10,000 HELOC at an Annual Percentage Rate of 7.00% for 20 years, the first 120 payments will be interest only or $50 whichever is greater. The next 119 payments will be $54 to $150.00, and the final balloon payment will be $3,342.51.
Rates are subject to change without notice. Reimbursement of certain fees may be required if the loan is paid in full and closed within the first 12 months. Other rates, terms and programs available. EFCU Financial Federal Credit Union membership is required. Call 225.215.2740 for information on our mortgage programs.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Autos | Rate (APR) | Max Term |
| New & Used (2019 - current year) | 5.69 - 16.95% | 01 - 36 mos. |
| New & Used (2019 & current year) | 5.94% - 17.20% | 37 - 63 mos. |
| New & Used (2019 & current year)* | 6.19% - 17.45% | 64 - 75 mos. |
| New & Used (2019 & current year)* | 6.34% - 9.14% | 76 - 79 mos. |
| New & Used (under 30,000 miles) | 6.34% - 9.14% | 80 - 84 mos. |
| New Units (min ln amt - $50,000) | 7.24% - 7.64% | 85 - 96 mos. |
*2018 max term is 66 mos. *Minimum loan of $5,000 for qualified applicants.
A 63-month $25,000 fixed rate secured new auto loan at 5.94% has an approximate monthly payment of $462.92.
Certificates
|
Share Certificates |
Jumbo Certificates (Min Bal $100,000 & above) |
IRA Certificates (Min Bal $500 & above) |
Jumbo IRA Certificates (Min Bal $100,000 & above) |
|
| Term | APY | APY | APY | APY |
| 6 mos. | 4.00% | 4.10% | 4.10% | 4.20% |
| 12 mos. | 4.00% | 4.10% | 4.10% | 4.20% |
| 18 mos. | 3.65% | 3.75% | 3.75% | 3.85% |
| 24 mos. | 3.65% | 3.75% | 3.75% | 3.85% |
| 30 mos. + 1 Time Bump*** | 3.65% | 3.75% | 3.75% | 3.85% |
| 36 mos. | 3.70% | 3.80% | 3.80% | 3.90% |
| 48 mos. | 3.70% | 3.80% | 3.80% | 3.90% |
| 60 mos. | 3.75% | 3.85% | 3.85% | 3.95% |
*APY=Annual Percentage Yield. APYs accurate as of 5/01/2026. Rates may change after account is opened.
**The following must be met each qualification cycle: ( 1 ) Have at least 1 2 d e b it c a r d p u r chases p o s t a n d settle, ( 2 ) Have at least 1 automatic payment (ACH) or deposit post and settle, and (3) Be enrolled and receive e-statement notice. APY calculations are based on an assumed total account balance of $10,000 plus $25,000. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 5.12%; and (2) balances over $10,000 earn 0.50% interest rate on portion of balance over $10,000, resulting in a range of 5.12% - 1.80% APY depending on the balance (3) domestic ATM fees up to $4.99 per item will be reimbursed on the last day of your statement cycle. ATM receipt must be presented for $4.99 maximum ATM fee reimbursement if surcharge is $5.00 or higher. Fees may reduce earnings. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle on account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior the close of the current statement c ycle.
Certificate Rates
Certificate rates are subject to change at any time. All other rates are subject to change monthly. Dividends are paid on all open accounts. APY is based on withdrawn dividends, if dividends remain on deposit until maturity APY may be higher. A withdrawal from the Certificate will reduce earnings. Dividends are compounded monthly and credited monthly on all Certificates and IRA Certificate accounts. A penalty may be imposed for withdrawal. Please read the Truth In Savings disclosures for additional information.
***Bump up option on Share Certificates with maturities of 30 months. The “bump” provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the bump
Checking Accounts
| Minimum Balance | APY | |
|---|---|---|
| Classic Checking | None | None |
| Rewards Checking** High Yield |
$0 - $10,000.00 $10,000.01+ Rate if qualifications aren't met |
5.12% 5.12%-1.80% 0.05% |
|
Rewards Checking** |
None | 0.0% |
|
Level Up Youth Checking |
None | 0.0% |
|
HSA Checking |
$0 - $4,999.99 $5,000 - $9,999.99 $10,000+ |
0.10% 0.15% 0.20% |
|
Business Interest Checking |
$0 - $4,999.99 $5,000 - $24,999.99 $25,000 - $99,999.99 $100,000+ |
0.00% |
Consumer Loan
| Loan Type | Rate (APR) | Max Term |
| Shared (savings) secured | 2.50% 3.60% |
1-60 mos. 61-120 mos. |
| Personal | 11.00% - 18.00% | 1-72 mos. |
| MasterCard Credit Card (Fixed Rate Card) |
11.00% - 18.00%† | Revolving |
A 48 month $10,000 fixed rate personal loan at 11.00% has an approximate monthly payment of $258.46.
Real Estate Loans
| Loan Type |
| Residential Loans |
| Fixed-Rate Loans: Less than 15 years 15 year mortgage 30 year mortgage JUMBO* |
| Adjustable Rate Mortgages (ARMs) 5/5 ARM "Welcome Home Loan" |
| Home Equity Line of Credit |
| FHA (Federal Housing Administration) |
| VA (Veterans Affairs) |
| USDA (US Department of Agriculture) / Rural Development |
| Construction Loans (12-month Interim Financing) |
*Loan amounts greater than the Conforming Loan Limit.
Recreational Vehicles & Power Sport Machines
| Year Model | Rate (APR) | Max Term |
| 2025 - Current Year | 8.25% - 11.50% | 01 - 120 mos. |
| 2022 - 2024 | 8.75% - 12.50% | 01 - 120 mos. |
| 2020 - 2021 | 10.75% - 13.50% | 01 - 96 mos. |
| 2019 | 11.75% - 14.00% | 01 - 72 mos. |
A 72 month $10,000 fixed rate secured powersport or recreational vehicle loan at 9.25% has an approximate monthly payment of $176.56.
Share Accounts
| Minimum Balance | APY | |
|---|---|---|
| Shares | $5.00 | 0.10% |
| IRA Flex | None | 3.04% |
| Platinum Money Market Savings |
$0 - $2,499.99 |
0.00% 1.00% 3.56% |
| Business Savings | $5.00 | 0.10% |
†Rates and Annual Percentage Yields (APY) are subject to change without notice and are effective as of 05/01/2026. Fees may reduce earnings on the account.