loan rates

Current loan rates

Loan As low as1  
Auto or motorcycle loan 2.99% Apply online
Recreational vehicle loan 7.49% Apply online
Personal loan 7.99% Apply online
Personal line of credit 8.99% Apply online
Student loan: new student fixed-rate 3.99% Apply online
Student loan: consolidation fixed-rate 2.95% Apply online
Personal MyNeighbor credit card 8.90% Apply online
Interest only home equity line of credit2 1.99% Apply online
10 year home equity loan3 2.990% Apply online
15 year home equity loan3 3.490% Apply online
5/1 Adjustable-rate mortgage 3.125% Apply online
5/5 Adjustable-rate mortgage 3.625% Apply online
7/1 Adjustable-rate mortgage 3.625% Apply online
10/10 Adjustable-rate mortgage 4.250% Apply online
15 year fixed-rate mortgage 3.125% Apply online
30 year fixed-rate mortgage 3.625% Apply online

Loan rate details

Effective date: December 1, 2021.

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You can apply for a loan online or by contacting one of our offices.

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Everence Federal Credit Union

2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
Call or text: 800-451-5719
F: 717-735-8331

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Everence Federal Credit Union, NMLS #403410 

The loan product and rate information is current as of the effective date shown. EFCU may offer other rates and terms or amend such rates and terms. Rates are subject to change without notice and established each quarter by the Board of Directors. Your rate may vary based on factors such as your credit history and payment method. 

1 Lowest current rates are listed.

2  The introductory and sample variable annual percentage rate (APR) are based on new financing with an amount of $25,000 with an initial draw of $10,000 at loan closing and are current as of 06/01/2021. Applications are subject to approval. The variable rate APR adjusts monthly based on the prime rate published in The Wall Street Journal on the last business day of the month plus a margin based on loan to value and credit worthiness. Your APR will depend on credit and loan terms. Maximum APR is 18%. Offer limited to 1st and 2nd mortgage liens on a 1-4 family residential property. Property insurance and/or flood insurance may be required.  

To qualify for promotional rate, term loan must have minimum new money of at least $25,000.