Rates That Fit Your Needs

Loans

Envision Federal offers competitive loan rates and terms for your entire loan needs. Click one of the links below to see our low rates, and even save you money with refinancing options.

New Autos & RVs | Used Autos & RVs | Used Autos & RVs 2006 & Under | Personal

Savings

A credit union is the best place for you to prepare and save for the financial future you want. Follow the links below to see how Envision Federal can help make your financial dreams become a reality.

Share Savings & IRAs | Money Market

Certificates of Deposit

Certificates of deposit earn higher dividends than traditional savings accounts. Click below to take a look at all certificate of deposit rates.

Certificates of Deposit

Click here for a printable version of all the rates.

NEW AUTOS & RVs

Credit Rating	Platinum*	A*	B*	C*	D*
24 Months	4.90	4.90	5.25	5.75	12.00
36 Months	4.90	4.90	5.25	5.75	13.00
48 Months	4.90	4.90	5.50	6.00	14.00
60 Months	4.90	4.90	5.50	6.25	15.00
72 Months	5.25	5.25	5.75	6.50	N/A
84 Months (Minimum $20,000)	6.25	6.50	6.75	8.25	N/A
96 Months (Minimum $25,000)	6.75	7.00	7.50	9.25	N/A

*APR = Annual Percent Rate

USED AUTOS & RVs - 2008 & 2007

Credit Rating	Platinum*	A*	B*	C*	D*
24 Months	5.00	5.25	6.00	6.50	12.25
36 Months	5.25	5.50	6.00	6.50	13.25
48 Months	5.25	5.50	6.25	6.75	14.25
60 Months	5.75	6.00	6.25	7.00	15.25
72 Months	6.00	6.25	6.50	7.50	N/A
84 Months (Minimum $20,000)	6.25	6.50	7.25	8.50	N/A

*APR = Annual Percent Rate

USED AUTOS & RVs - 2006 & Under

Credit Rating	Platinum*	A*	B*	C*	D*
24 Months	5.50	5.75	6.50	7.00	12.25
36 Months	5.75	6.00	6.50	7.00	13.75
48 Months	5.75	6.00	6.75	7.25	14.75
60 Months	6.25	6.50	7.00	7.50	15.75
72 Months	6.50	6.75	7.50	8.25	N/A
84 Months (Minimum $20,000)	6.75	7.00	7.75	9.00	N/A

*APR = Annual Percent Rate

PERSONAL LOANS

		UNSECURED LOANS
RANGE	TIER	SIGNATURE	LOC	CREDIT CARD
740+	Platinum	9.00	10.00	9.90
680-739	A	10.00	10.00	9.90
655-679	B	11.00	11.00	9.90
620-654	C	12.00	12.00	9.90
550-619	D	17.90	N/A	N/A

*APR = Annual Percent Rate

Term Share and IRA Certificates

Account/Product	Minimum Balance	Rate	APY
Share/Savings	$5.00	.50	.50
Checking/Share Draft	$800.00	.30	.30
IRA Share	NONE	1.50	1.51

*APY = Annual Percentage Yeild

Term Share and IRA Certificates

Money Market Rates—Tiered
Minimum Opening Balance: $2,500
$10 fee/month assessed if balance falls below $2,500. Dividends continue to be earned and paid.

Balance/Tier	Rate	APY
$0 - 9,999	1.29	1.30
$10,000 – 24,999	1.49	1.50
$25,000 – 49,999	1.54	1.55
$50,000 – 74,999	1.59	1.60
$75,000 - PLUS	1.69	1.70

*APY = Annual Percentage Yeild

CERTIFICATES of Deposit

Term Share and IRA Certificates
Minimum Balance = $1,000

Term	Rate	APY
3 Month	1.25	1.26
6 Month	2.01	2.03
12 Month	2.21	2.23
24 Month	2.51	2.54
36 Month	2.72	2.75
48 Month	2.96	3.00
60 Month	3.20	3.25
Rate Riser (36Month)($10KMin)	2.51	2.54

*APY = Annual Percentage Yeild