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Rates
In addition to our free and low fee services, we offer competitive rates across the board.
Savings
Short term, long term, and special purpose savings accounts are all available. Choose the ones that are right for you.
| APR | APY | |
|---|---|---|
|
Regular Savings |
0.75% |
0.75% |
|
Checking Account |
0.25% |
0.25% |
|
Vacation Club |
1.05% |
1.05% |
|
Christmas Club |
0.65% |
0.65% |
|
Golden E Club |
1.14% |
1.15% |
|
IRA Accounts |
1.39% |
1.40% |
|
Roth IRA |
1.39% |
1.39% |
Checking
Earthmover only offers one kind of checking account...FREE! No minimum balance and no monthly service charge are required. Not only is it free, you also earn dividends that are paid monthly.
Our money market account has a minimum balance of $1000, lets you write up to three checks of at least $250 per month, and you earn a higher rate of interest than savings.
| APR | APY | |
|---|---|---|
|
Checking |
0.25% |
0.25% |
|
Money Market |
1.25% |
1.26% |
|
Money Market |
1.75% |
1.76% |
|
Money Market |
2.25% |
2.27% |
Certificates
Decatur Earthmover Credit Union share certificates are a safe investment because they are insured and provide a guaranteed rate of return. Each certificate is insured to $500,000 by American Share-Excess Share Insurance. Below are the annual percentage yields available based on the amount and the length of the certificate.
| $1,000 | $10,000 | $25,000 | |
|---|---|---|---|
|
6 Mos |
2.40% |
2.65% |
2.85% |
|
1 Yr |
2.60% |
2.85% |
3.00% |
|
18 Mos |
2.70% |
2.95% |
3.10% |
|
2 Yrs |
2.80% |
3.05% |
3.15% |
|
3 Yrs |
2.95% |
3.20% |
3.30% |
|
5 Yrs |
3.20% |
3.45% |
3.55% |
New & Used Vehicle Loans
Includes autos, trucks, vans, RVs, & boats. Motorcycles, ATVs, Snowmobiles and PWCs will be 2.00% higher than the stated rates.
| 24 mos. | 36 mos. | 48 mos. | 60 mos. | 72 mos. | |
|---|---|---|---|---|---|
|
2007-2008 Vehicles* |
3.90% |
3.90% |
4.25% |
4.50% |
5.00% |
|
2004-2006 Vehicles* |
4.25% |
4.50% |
4.75% |
4.90% |
|
|
2000-2003 Vehicles* |
6.50% |
6.75% |
6.90% |
||
|
Exotic & Older Vehicles* |
8.75% |
9.00% |
* These rates are the lowest rates available. Your actual rate will reflect your individual circumstances and may be higher than the above rates. To find out your loan rate, please contact our Loan Department.
Mortgages
Earthmover offers competitive rates, low fees, and quick turn-around. Best of all, when you get your loan at Earthmover your loan stays at Earthmover. All approvals, payments, and questions are handled by our staff. We can help you with your home loan whether you're buying your first home, your fifth home, or borrowing against the equity you have in your home.
The rates listed are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher than the rates listed. To find out your loan rate, please stop by or call our Loan Department at (217) 872-4190 or 800-542-6474.
| 1st Mortgages | APR |
|---|---|
|
15 year fixed rate |
6.000% |
|
25 year fixed rate |
6.500% |
|
7/23 balloon 30 year amortization |
6.000% |
| Home Equity Loans | APR |
|
80% fixed rate |
3.300% |
|
100% fixed rate |
7.500% |
|
80% line of credit (montly variable rate) |
6.000% |
|
80% line of credit (yearly variable rate) |
9.250% |
|
100% line of credit (montly variable rate) |
8.000% |
Other
Sometimes you need to borrow money for other things than to buy a car or a house. In addition to our eight types of Visa cards, these options are also available. The rates listed are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher than the rates listed. To find out your loan rate, please stop by or call our Loan Department at (217) 872-4190 or 800-542-6474.
| 36 mos. | 48 mos. | 60 mos. | Variable | |
|---|---|---|---|---|
|
Signature Loans |
11.90% |
|||
|
Student Loans |
8.00% |
|||
|
Share Secured Loans |
4.75% |
|||
|
Certificate Secured Loans* |
4.75% |
|||
|
Stock Certificate Secured Loans |
6.50% |
6.75% |
7.00% |
|
|
Six Month Notes** |
2.00% |
* 2% over share certificate rate (Minimum 4.75%)
** 2% higher than normal based on collateral