Loan RatesLoan Rates

As of 1/26/2017

New Vehicles

2017 & 2016 models years less than 10,000 miles
TermRates as low asLine of Credit
0 - 24 months 1.39% APR* n/a
25 - 36 months 1.69% APR* n/a
37-48 months 1.99% APR* n/a
49-60 months 2.29% APR* n/a
61-72** months 2.59% APR* n/a

Used Vehicles

16, 15, 14, 13, 12, 11, 10
TermRates as low asLine of Credit
0 - 24 months 1.59% APR* n/a
25-36 months 1.89% APR* n/a
37-48 months 2.29% APR* n/a
49-60 months 2.59% APR* n/a
61-72** months 2.89% APR* n/a

All Other Secured

Includes 09 and older, CPI vehicles, small RVs
TermRates as low asLine of Credit
0-24 months 5.54% APR* n/a
25-36 months 5.94% APR* n/a
37-48 months 6.04% APR* n/a

Share Pledge

TermRates as low asLine of Credit
0-120 months 2% APR* over the highest regular share dividend rate. n/a

Home Equity Fixed

TermRates as low asLine of Credit
5 year - 80% LTV 3.79% APR* n/a
7 year - 80% LTV 4.29% APR* n/a
10 year - 80% LTV 4.79% APR* n/a

Home Equity Line

TermRates as low asLine of Credit
15 year - 80% LTV Prime*** $0-24,999
15 year - 80% LTV Prime-.25*** $25,000-$79,999
15 year - 80% LTV Prime-.50*** $80,000+

Unsecured or Personal

TermRates as low asLine of Credit
0-48 months 7.99% APR* n/a

Visa

TermRates as low asLine of Credit
Visa Platinum Preferred Variable Rate 7.50% APR $2,500 and up
Visa Platinum Preferred 12.50% APR $2,500 and up
Visa Platinum 13.80% APR $500 - $2,499

Recreational Vehicles

A borrowers only, minimum $25,000
TermRates as low as
0-72 months Regular vehicle rates apply.
73-84 months 5.75% APR* new (not eligible for loyalty rewards)
6.25% APR* used (not eligible for loyalty rewards)
85-120 months 6.50% APR* new (not eligible for loyalty rewards)
7.00% APR* used (not eligible for loyalty rewards)
APR = Annual Percentage Rate. *Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. All rates include max rate loyalty rewards except for Unsecured Loans and Recreational Vehicles since these are not eligible for loyalty rewards. **Loan amount must exceed $25,000. ***Home equity lines are a variable rate, based on an index using the Wall Street Journal Prime Rate and is determined by credit line. Prime Rate is currently 3.50% APR effective 12/17/16. The lowest 80% loan to value variable rate possible is 4.250% APR and the highest rate is 18.00% APR. The rate adjusts 3 times per year. Example: A $15,000 vehicle, fixed rate home equity, or personal unsecured loan with an APR of 5.99% and a 60 month term would result in a monthly payment of $289.98. Note: All Home Equities under $15,000 are subject to a $150 closing cost. ****Visa Platinum Preferred Variable rate is Prime + 3.75%. Rate adjusts quarterly.

For a copy of our Credit Card Agreement and Credit Card Account Opening Disclosure, please call us at 630.844.4950


Mortgage

 
Click here to view our current Mortgage rates!

Loyalty Rewards

Earthmover values your banking relationship and because of this we have created Loyalty Rewards discounts. These offer you relationship discounts off our New Vehicle Loans, Used Vehicle Loans, All Other Secured Loans and our Fixed Home Equities. All eligible rates above already include the max loyalty reward available for the term. See below what these Loyalty Rewards include.

Save an additional 1.5% with Loyalty Rewards: (these are available for New, Used, and Other Secured)

  • 0.25% For Automatic Payment Transfer from share type that has PRD or DD going in or ¼% For Payroll Deduction for loan payment
  • 0.25% for Direct Deposit
  • 0.25% for Bill Pay users
  • 0.25% for Active Checking or Visa users (5 debits or 5 purchases per month)
  • 0.25% for Home Equity Loan or Line of Credit borrowers
  • 0.25% for each 10% down
  • 0.25% for Auto Loan Pre-approvals
  • Loyalty Rewards cannot exceed 1.5% in total

Save an additional 1.0% with Loyalty Rewards: (this is available for Home Equity Fixed only)

  • 0.25% For Automatic Payment Transfer from share type that has PRD or DD going in or ¼% For Payroll Deduction for loan paymentM
  • 0.25% for direct deposit
  • 0.25% for Bill Pay users
  • 0.25% for Active Checking or Visa users (5 debits or 5 purchases per month)
  • Loyalty Rewards cannot exceed 1.00% in total