Checking Accounts

• Share Draft --
  • Tired of the fees, minimum deposit requirements and hidden charges?  Open a checking with Eight Federal Credit Union and see the Difference!  Here are some of the benefits of checking with us:
  • Debit Card Access 
  • Free on-line banking
  • Free phone teller access
  • No monthly service Fee
  • Dividends paid on amounts

Savings Accounts

• Savings & CD Accounts -- Dividends Paid on your Savings Account as of June 30,2008  1.25%APY
  Dividends Paid on your Share Draft Account as of June 30, 2008  .50%APY
  Excellent CD rates available:
  
  Minimum balance $1000.00
  

Loans

• All loan rates -- Rates are subject to change and are based on individual creditworthiness.    Payment term for vehicles is based on model, year and amount of the loan.  
  
  APR=Annual Percentage Rate
• Consumer Loans --

  EFCU OFFERS ALL KINDS OF CONSUMER LOANS.  LISTED BELOW ARE JUST SOME OF OUR LOANS:
  
  * UNSECURED LOANS UP TO $15,000
  * NEW AND USED VEHICLE
  * MOTORCYCLES
  * BOAT LOANS
  * COMPUTER LOANS
  * HOLIDAY LOANS
  * HOME IMPROVEMENT LOANS

• Share Secured Loan -- Share Secured Loans are available for up to 60 months at 4% over the Share Rate. 
• Certificate Secured Loan -- Certificate Secured Loans are availabe for the length of CD at 4% over the Share Rate.
• Signature Loans -- Signature Loans are available for up to 60 months at 11.00% APR.
• Line of Credit -- A Line of Credit is available with a review at 2 year intervals.  The current rate is AS LOW AS 10.75%APR.
• Home Equity - Line of Credit -- A Home Equity Line of Credit is available up to a maximum of $50,000.  The length of the Home Equity can vary.  The rate is  
• Second Mortgage -- A Second Mortgage is available with a maximum amount up to $50,000.  The length of the mortgage can vary.  Rates as low as 5.50% are available.  

Other Services

• VISA CREDIT CARD --

  VISA CREDIT CARD -- 12.99% FIXED RATE
  
  BALANCE TRANSFER 6.99% UNTIL THE AMOUNT YOU TRANSFERRED IS PAID IN FULL.
  
  TRANSFER YOUR CURRENT HIGH CREDIT CARD BALANCE TO EIGHT FEDERAL'S VISA CARD.   THIS IS A LIMITED TIME OFFER.  YOU CAN TRANSFER YOUR OTHER CREDIT CARD BALANCES AND GET 6.99% APY WITH ZERO BALANCE TRANSFER FEE.  CALL 419-666-7334 AND ASK FOR  Diane FOR MORE INFORMATION.