Rates
Loan Rates
If you’re looking for an auto loan, personal loan, or personal line of credit, look to the ELCA Federal Credit Union.
Home Loan Rates
Have access to extra cash with a home equity line of credit or home equity loan from the ELCA Federal Credit Union. Buying a home or refinancing? Get a mortgage quote here.
Credit Card Rates
The ELCA Federal Credit Union's World Mastercard® comes with a great low rate and no annual fee.
World Mastercard® Credit Card
Credit Builder Products Rates
Our credit builder products provide a pathway for those with no or limited credit histories. Borrowers can improve their credit scores with on-time payments.
Fresh Start Unsecured Loan
Savings Secured Credit Card
Savings Secured Loan
Checking Rates
Completely free checking is yours through the ELCA Federal Credit Union. No maintenance fees. No minimum balance requirement.
Checking Account
Savings and CD Rates
Make the most of your savings with an ELCA Federal Credit Union savings account, Christmas Club Savings Account or CD.
Savings Accounts
Christmas Club Savings Account
Certificates of Deposit
Youth Account Rates
Set your teen on the path to financial discipline by opening a checking or savings account with the ELCA Federal Credit Union.
Youth Savings Account
High Yield Youth Savings Account
Youth Checking Account
Ministry Solutions
Savings, CDs, checking accounts, and church and ministry loans—we offer a variety of financial tools for managing ministry finances.
Ministry Checking Account
Small Ministry Loan - Fixed Rate
Small Ministry Loan or Line of Credit - Adjustable Rate
Ministry New Auto Loan
Ministry Used Auto Loan
Ministry World Mastercard Credit Card
Ministry Secured Loans
*Rates Subject to Change Without Notice. All Loan and Credit Card rates start as low as published rates, subject to credit score and overall credit worthiness. Advertised auto loan rates include automatic payment option. Rates are 0.25% higher without automatic payment option. Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
†Published rates current as of June 1, 2025. Rates on home equity lines of credit are variable and subject to change. Maximum APR is 18.00%. Final rate and terms are subject to creditworthiness.
APR = Annual Percentage Rate. APY = Annual Percentage Yield.
Home Loan Rates
Have access to extra cash with a home equity line of credit from the ELCA Federal Credit Union. Buying a home or refinancing? Get a mortgage quote here.
