(213) 482-2040 Ext. 254 ecfcu@earthlink.net

Fees and Rates

Account Fees

Credit Union Membership
  • Share: $10 par value
Share Savings Account Fees
  • Minimum Balance: $25
  • Excessive Withdrawal Fee: $1.00 per item after three (3) withdrawals per month.
Share Drafts (Checking Accounts)
  • NSF or Overdraft Fee $25.00 per item.
  • Stop Payment Fee $15.00 per item.
  • Monthly Maintenance Fee $8.00 per month. (waived with direct deposit)
  • Check Copy $ 1.00 per item (2 free per statement cycle)
  • Statement Copy $ 2.00
  • Check Printing Fee Prices vary depending upon style.
Other Fees
  • Returned Deposited Item $10.00 per item
  • ATM Deposit Adjustment $10.00
  • Returned Foreign Check $20.00 per item
  • Debit Card Replacement $5.00 (Limit 2, then $25.00)
  • Debit Card Rush Order $45.00
  • Credit Union Checks $2.00 each
  • Dormant Account Fee $5.00 monthly
  • Domestic & International Wires $40.00 each
  • Incoming Wire Fee $10.00 each
  • Loan Processing Fee $25.00
  • Online Bill Pay Plus $5.00 monthly (First month free)
  • Business Checking Set-up $50.00
  • Business Account monthly fee $10.00
  • Business Loan Processing Fee $50.00
Savings Account Rates
  • $100 to $24,999 0.05% APY*
  • $25,000 to $49,999 0.10% APY*
  • $50,000 and over 0.15% APY*

*APY = Annual Percentage Yield

Loan Rates

Share Secured Loan

Term: Balance in account less than $25
APR*: 3.5%

*APR=Annual Percentage Rate

Unsecured Loan

Term: up to 48 months
APR*: 12%

*APR=Annual Percentage Rate

New Autos

Term: New Loan
APR*: 3.49%

Term: New Loan with Automatic Payments
APR*: 3.24%

*APR=Annual Percentage Rate

Used Autos

Term: New Loan
APR*: 4.49%

Term: New Loan with Automatic Payments
APR*: 4.24%

*APR=Annual Percentage Rate

Please note: On older model cars financing may only be offered up to 48 months

Church Loan

Term: up to 48 months
APR*: up to 8%

*APR=Annual Percentage Rate

Small Business Loan

Term: up to 60 months
APR*: 8.00%

*APR=Annual Percentage Rate

****For members who have direct deposit and With Automatic Payments a .25% interest rate loan discount will apply****

ABOVE RATES ARE BASED ON GOOD CREDIT. RATES MAY BE ADJUSTED UP TO 7% FOR SUBSTANDARD CREDIT