Espeeco Credit Union
Verified rate book
Current Espeeco Credit Union rates
35 published offers verified as of August 4, 2026.
Auto & vehicle rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 84-Month New Auto Loanauto_new_84mo | 5.250% APR | 5.250% | 84 mo · new | Standard |
| New Auto Loanauto_new | 5.250% APR | 5.250% | new | Standard |
| Used Auto Loanauto_used | 5.750% APR | 5.750% | used | Standard |
| USED AUTO (LESS THAN 10 YEARS OLD)auto_used_72mo | 5.750% APR | 5.750% | 72 mo · used | Standard |
| 72-Month New Motorcycle Loanmotorcycle_new_72mo | 6.750% APR | 6.750% | 72 mo · new | Standard |
| Motorcycle Loanmotorcycle | 6.750% APR | 6.750% | — | Standard |
| 60-Month Used Motorcycle Loanmotorcycle_used_60mo | 7.000% APR | 7.000% | 60 mo · used | Standard |
| NEW RV & MOTORHOMESrv_new_120mo | 7.500% APR | 7.500% | 120 mo · new | Standard |
| USED RV & MOTORHOMESrv_used_96mo | 7.750% APR | 7.750% | 96 mo · used | Standard |
| 72-Month New Boat Loanboat_new_72mo | 8.000% APR | 8.000% | 72 mo · new | Standard |
| 60-Month Used Boat Loanboat_used_60mo | 8.500% APR | 8.500% | 60 mo · used | Standard |
| ATV, UTV, JET SKI, SNOWMOBILEpowersports_any_60mo | 11.000% APR | 11.000% | 60 mo | Standard |
| STOCK TRAILERpowersports | 11.000% APR | 11.000% | — | Standard |
| 1ST TIME AUTO BUYER LOANauto_any_60mo | 15.000% APR | 15.000% | 60 mo | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 120-Month Share-Secured Loanpersonal_secured_120mo | 3.500% APR | 3.500% | 120 mo | Standard |
| Signature Loanpersonal_unsecured | 10.000% APR | 10.000% | — | Standard |
| 60-Month Signature Loanpersonal_unsecured_60mo | 10.000% APR | 10.000% | 60 mo | Standard |
| STARTER SIGNATURE LOANpersonal_unsecured_12mo | 15.000% APR | 15.000% | 12 mo | Standard |
Savings & CD rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| $2500.00 - $4,999.99savings | 0.10% APY | 0.10% | — | Standard |
| $1,500.00 - $4,999.99savings | 0.10% APY | 0.10% | — | Standard |
| $10,000.00 And Upsavings | 0.10% APY | 0.10% | — | Standard |
| $5,000.00 - $9,999.99savings | 0.10% APY | 0.10% | — | Standard |
| $25.00 - $2,499.99savings | 0.10% APY | 0.10% | — | Standard |
| $250.00 - $1,499.99savings | 0.10% APY | 0.10% | — | Standard |
| Holiday Club Account (max deposit $2,500.00)savings | 0.15% APY | 0.15% | — | Specialty offer |
| Educational IRAira | 0.40% APY | 0.40% | — | Standard |
| Term Certificates (3 month $1,000.00 and up)cd_3mo | 1.00% APY | 1.00% | 3 mo | Standard |
| Term Certificates (6 month $1,000.00 and up)cd_6mo | 1.25% APY | 1.25% | 6 mo | Standard |
| Term Certificates (12 month $1,000.00 and up)cd_12mo | 1.50% APY | 1.50% | 12 mo | Standard |
| Term Certificates (18 month $1,000.00 and up)cd_18mo | 1.75% APY | 1.75% | 18 mo | Standard |
| 24-Month Certificatecd_24mo | 2.00% APY | 2.00% | 24 mo | Standard |
| Certificateshare_certificate | 2.00% APY | 2.00% | — | Standard |
Other rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| APR as low asother | 0.100% % | 0.100% | — | Standard |
| Featured Ratesother | 0.100% % | 0.100% | — | Standard |
| APR as high asother | 2.000% % | 2.000% | — | Standard |
Vehicle loans available from 5.25% APR for 84 months. Personal loan rates from 3.5% APR. Savings and certificate yields up to 2.00% APY.
Source: RateAPI.dev, verified from Espeeco Credit Union's official website
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About Espeeco Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 1.1K
- Assets
- $12.4M
- Founded
- 1954
- Locations reported
- 3
- NCUA charter
- 9590
- Charter type
- Federal credit union
Services and member support
- Electronic statements
- Mobile check deposit
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Espeeco Credit Union
Membership eligibility from Espeeco Credit Union's own published criteria. How we verify this.
Membership via employers (Union Pacific Railroad +29 more)
- EmployerUnion Pacific Railroad, The Practice, St. John’s Church, Christ the King Catholic Church, San Joaquin Valley Railroad, Pruett Tech Inc., Law Office of Young & Nichols, O'Hennings Cocktail Lounge, Rendezvous Salon, Russell Brucker Construction, Inc., John R. Wright Trucking, Best Corp., Jeremy Willer Construction, Sully and Sons Hydraulics, Ruben's Mexican Grill, Mexicali Restaurants, Tricor Refinery (Golden Bear), Costco Wholesale, MP Enviromental, Good Samaritan Hospital, Pho-Vy Restaurant, Kern Backhoe Service Inc., CenCal Braves Softball League, Bakersfield Pentecostal Church, G.H. Slack and Son, Young Wooldridge, LLP, United Brotherhood of Carpenters 743, Armored Transport of California, W.A. Thompson, Inc., Collective Gyms, LLC
Cost to join: About $25.
Verified from Espeeco Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Espeeco Credit Union?
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Frequently Asked Questions
What rates does Espeeco Credit Union offer?
Espeeco Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Espeeco Credit Union rates updated?
RateAPI verifies Espeeco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Espeeco Credit Union's rate data?
Rate data is collected directly from Espeeco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Espeeco Credit Union's auto, rv, boat, motorcycle & powersports loan rates?
As of August 4, 2026, Espeeco Credit Union offers vehicle loans from 5.25% APR.
What is Espeeco Credit Union's personal loan rate?
As of August 4, 2026, Espeeco Credit Union offers personal loans from 3.5% APR.
What is Espeeco Credit Union's best CD rate?
As of August 4, 2026, Espeeco Credit Union offers savings and certificate (CD) yields up to 2.00% APY.
Related Rate Data
Compare Espeeco Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Espeeco Credit Union
curl "https://api.rateapi.dev/credit-unions/california/espeeco" \
-H "Authorization: Bearer YOUR_API_KEY"