Personal loans
| Term | Rate (as low as) |
| 6-12 months | 7.00% |
| 24 months | 8.00% |
| 36 months | 8.75% |
| 48 months | 9.00% |
| 60 months | 9.75% |
New auto loans
| Term | Rate (as low as) |
| 24 months | 4.99% |
| 36 months | 4.99% |
| 48 months | 4.99% |
| 60 months | 4.99% |
| 72 months | 5.50% |
| 84 months | 6.50% |
| 96 months | 7.50% |
Used auto loans
| Term | Rate (as low as) |
| 24 months | 5.75% |
| 36 months | 5.75% |
| 48 months | 5.75% |
| 60 months | 5.75% |
| 72 months | 6.00% |
| 84 months | 7.00% |
| 96 months | 8.00% |
New Motorcycle, Boat, and RV loans
| Term | Rate (as low as) |
| 24 months | 6.25% |
| 36 months | 6.25% |
| 48 months | 6.25% |
| 60 months | 6.25% |
| 72 months | 7.25% |
| 84 months | 8.99% |
| 96 months | 9.99% |
| 108 & 120 months | 10.99% |
Used Motorcycle, Boat, and RV loans
| Term | Rate (as low as) |
| 24 months | 6.75% |
| 36 months | 6.75% |
| 48 months | 6.75% |
| 60 months | 6.75% |
| 72 months | 7.50% |
| 84 months | 12.00% |
| 96 months | 12.00% |
Dream Special
| Term | Rate (as low as) | APR |
| 30 months | 5.00% | 5.00% |
| 36 months | 5.00% | 5.00% |
| 48 months | 6.00% | 6.00% |
| 60 months | 7.00% | 7.00% |
Full Pledge Loan
| Term | Rate (as low as) |
| 6 months | 2.99% |
| 12 months | 2.99% |
| 24 months | 2.99% |
| 36 months | 2.99% |
| 48 months | 2.99% |
| 60 months | 2.99% |
| 72 months | 2.99% |
Please call for rates: (716) 858-6245
THANK YOU FOR YOUR SUPPORT
The Erie County Employees' Credit Union recently had to evaluate its Schedule of Fees. The Credit Union will be increasing certain fees, along with implementing new ones. With the rising costs of maintaining these valuable programs, the Credit Union must make adjustments to its fee structure to compensate for these cost increases. Thank you for your support and continued membership in your Credit Union.
Share Draft Account Fees
| Funds transfers (two per month) | $25.00 |
| Non-sufficient Funds (NSF)(Draft, ACH) | $25.00 |
| Deposits / Returned item fee | $25.00 |
| Stop Payment on Share Draft | $25.00 |
| Stop Payment on Corporate Share Draft | $25.00 |
| Share Draft Copy | $5.00 |
| Account Reconciliation (per hour) | $5.00 |
| The credit union will reserve the right to close a member’s draft account at any time after formally notifying the member of such an action in writing. | |
ATM / Debit Fees
| Non-Sufficient Funds (NSF) | $25.00 |
| ATM / Debit Card Replacement Fee | $12.00 |
| ATM Fee (1 free per month) | $1.00 |
| ATM Overnight Replacement Card Fee | $50.00 |
Other Service Fees (apply to all accounts)
| Change of Address Fee (when notified by post office) | $5.00 |
| Replacement Lien Release Fee | $10.00 |
| Incoming Wire Transfer Fee | $5.00 |
| Outgoing Wire Transfer Fee (Domestic) | $25.00 |
| Restraining Notice Processing Fee | $100.00 |
| Check-official | $1.00 |
| Money orders | $1.00 |
| Money order Stop Payment | $25.00 |
| Travelers Checks (per $100.00) | $0.25 |
| Travelers Checks for two(per $100.00) | $0.75 |
| American Express Gift Checks | $2.50 |
| Statement Copies | $2.00 |
| Dormant Account Fee (over 1 year of no activity) | $10.00 per quarter |
| Negative Balance Fee | $25.00 per month |
| Low Balance Fee | $10.00 per month |
| Early Account Closure (within 6 months) | $15.00 |
| Early Withdrawal Fee (Holiday / Fun Club) | $5.00 |
| Escheat Fee | $75.00 |
Visa Products
| Visa® Late Payment Fee | $25.00 |
| Visa® Overnight Replacement Card Fee | $50.00 |
| Visa® Gift Card Fee | $5.00 |
| Visa® Travel Money Card | $5.00 |
| Visa® Gift Card Replacement Fee | $10.00 |