Ellafi Credit Union

Middletown, Connecticut
Last verified: August 4, 2026
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Verified rate book

Current Ellafi Credit Union rates

84 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

13 offers
Ellafi Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New Auto Loan Rates in CT (2025 & 2026) (Up to 60 months)auto_new_60mo4.740% APR4.740%60 mo · newStandard
New Auto Loan Rates in CT (2025 & 2026) (61 to 72 months)auto_new_72mo4.850% APR4.850%72 mo · newStandard
Platinum credit and loan amount of $25,000auto_any_60mo4.990% APR4.990%60 moStandard
Used Auto Loan Rates CT (Up to 60 months)auto_used_60mo5.240% APR5.240%60 mo · usedStandard
Used Auto Loan Rates CT (61 to 72 months)auto_used_72mo5.340% APR5.340%72 mo · usedStandard
73 to 84 months (Min $25k loan amount)auto_any_84mo5.490% APR5.490%84 moStandard
New Auto Loan Rates in CT (2025 & 2026) (73 to 84 months (Min $25k loan amount))auto_new_84mo5.490% APR5.490%84 mo · newStandard
Equifi Energy Loanauto_any_60mo5.990% APR5.990%60 moStandard
Used Auto Loan Rates CT (73 to 84 months (Min $25k loan amount))auto_used_84mo6.240% APR6.240%84 mo · usedStandard
E-Bike Loanauto_any_24mo6.990% APR6.990%24 moStandard
Boat & Recreational Vehicle Loan Rates (Up to 60 months)boat_any_60mo7.000% APR7.000%60 moStandard
Boat & Recreational Vehicle Loan Rates (61 to 120 months)boat_any_120mo8.000% APR8.000%120 moStandard
Boat & Recreational Vehicle Loan Rates (121 to 180 months)boat_any_180mo9.000% APR9.000%180 moStandard

HELOC rates

11 offers
Ellafi Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loan (Fixed)heloc_fixed5.250% APR5.250%—Standard
Home Equity Loan Rates in CT (5 Year) (5 Year ( < = 80% LTV ))heloc_fixed5.250% APR5.250%—Standard
5 Year ( < = 80% LTV )heloc5.250% APR5.250%—Standard
Home Equity Loan Rates (10 Year) (10 Year ( < = 80% LTV ))heloc_fixed5.500% APR5.500%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed5.500% APR5.500%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed5.750% APR5.750%—Standard
Home Equity Loan Rates (15 Year) (15 Year ( < = 80% LTV ))heloc_fixed5.750% APR5.750%—Standard
Home Equity Loan Rates (20 Year) (20 Year ( < = 80% LTV ))heloc_fixed6.000% APR6.000%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed6.000% APR6.000%—Standard
HELOC Rates CT (Up to 80% (Loan to Value))heloc_variable6.500% APR6.500%—Standard
Platinum credit and loan amount for $25,000heloc6.500% APR6.500%—Standard

Personal loan rates

4 offers
Ellafi Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Improvement Loan Rates in CT (5 years)personal_unsecured_60mo8.990% APR8.990%60 moStandard
Home Improvement Loan Rates in CT (10 years)personal_unsecured_120mo9.990% APR9.990%120 moStandard
Personal Loan Rates CT (1 to 36 Months)personal_unsecured_36mo10.990% APR10.990%36 moStandard
Personal Loan Rates CT (37 to 60 Months)personal_unsecured_60mo11.990% APR11.990%60 moStandard

Student loan rates

3 offers
Ellafi Credit Union student loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Student Loan Rates (Up to 60 Months)student6.240% APR6.240%—Standard
Student Loan Rates (120 Months)student7.240% APR7.240%—Standard
Student Loan Rates (180 Months)student8.240% APR8.240%—Standard

Credit card rates

3 offers
Ellafi Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum11.950% APR11.950%—Standard
Visa Signaturecredit_card_platinum12.950% APR12.950%—Standard
Visa Platinum Rewardscredit_card_rewards13.950% APR13.950%—Standard

Savings & CD rates

47 offers
Ellafi Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Premium Money Market Accounts ($25,000 minimum opening deposit) ($100,000.00 - $149,999.99)money_market0.05% APY0.05%—Standard
IRAira0.05% APY0.05%—Standard
$1,500 - $9,999.99savings0.05% APY0.05%—Standard
$1,500 - $24,999.99savings0.05% APY0.05%—Standard
$100,000.00 - $149,999.99savings0.05% APY0.05%—Standard
$10,000 - $24,999.99savings0.05% APY0.05%—Standard
Holiday / Vacation Club Accountsavings0.05% APY0.05%—Specialty offer
Featured Money Market Account ($1,500 minimum opening deposit) ($1,500 - $24,999.99)money_market0.05% APY0.05%—Standard
Premium Money Market Accounts ($25,000 minimum opening deposit) ($25,000.00 - $49,999.99)money_market0.05% APY0.05%—Standard
Premium Money Market Accounts ($25,000 minimum opening deposit) ($50,000.00 - $99,999.99)money_market0.05% APY0.05%—Standard
$50,000.00 - $99,999.99savings0.05% APY0.05%—Standard
Premium Money Market Accounts ($25,000 minimum opening deposit) ($150,000.00 and up)money_market0.05% APY0.05%—Standard
$25,000.00 - $49,999.99savings0.05% APY0.05%—Standard
$500.00 - $10,000 (If Qualifiers Are Not Met)savings0.10% APY0.10%—Standard
Health Savings Accountsavings0.25% APY0.25%—Standard
Amplifi Money Market Accounts ($1,000 minimum opening deposit) ($1,000 - $9,999.99)money_market0.40% APY0.40%—Standard
$1,000 - $9,999.99savings0.40% APY0.40%—Standard
$10,000 - $49,999.99savings0.50% APY0.50%—Standard
10-Month Certificatecd_10mo0.50% APY0.50%10 moStandard
Amplifi Money Market Accounts ($1,000 minimum opening deposit) ($10,000 - $49,999.99)money_market0.50% APY0.50%—Standard
Amplifi Money Market Accounts ($1,000 minimum opening deposit) ($50,000 - $149,999.99)money_market0.75% APY0.75%—Standard
$50,000 - $149,999.99savings0.75% APY0.75%—Standard
$150,000 - $249,999.99savings1.00% APY1.00%—Standard
Amplifi Money Market Accounts ($1,000 minimum opening deposit) ($150,000 - $249,999.99)money_market1.00% APY1.00%—Standard
$500.00 - $10,000 (If Qualifiers Are Met)savings1.50% APY1.50%—Standard
36-Month Certificatecd_36mo1.99% APY1.99%36 moStandard
36-Month Certificatecd_36mo2.00% APY1.99%36 moStandard
Amplifi Money Market Accounts ($1,000 minimum opening deposit) ($250,000 and up)money_market2.00% APY2.00%—Standard
$250,000 And Upsavings2.00% APY2.00%—Standard
18-Month Certificatecd_18mo2.23% APY2.23%18 moStandard
24-Month Certificatecd_24mo2.23% APY2.23%24 moStandard
18-Month Certificatecd_18mo2.25% APY2.23%18 moStandard
24-Month Certificatecd_24mo2.25% APY2.23%24 moStandard
12-Month Certificatecd_12mo2.48% APY2.48%12 moStandard
48-Month Certificatecd_48mo2.48% APY2.48%48 moStandard
12-Month Certificatecd_12mo2.50% APY2.48%12 moStandard
48-Month Certificatecd_48mo2.50% APY2.48%48 moStandard
3-Month Certificatecd_3mo2.72% APY2.72%3 moStandard
60-Month Certificatecd_60mo2.72% APY2.72%60 moStandard
60-Month Certificatecd_60mo2.75% APY2.72%60 moStandard
3-Month Certificatecd_3mo2.75% APY2.72%3 moStandard
14-Month Certificatecd_14mo3.21% APY3.21%14 moStandard
14-Month Certificatecd_14mo3.25% APY3.21%14 moStandard
Current Certificate Rates (6 Month Featured)cd_6mo3.44% APY3.44%6 moStandard
6-Month Certificatecd_6mo3.50% APY3.44%6 moStandard
9-Month Certificatecd_9mo3.79% APY3.79%9 moStandard
9-Month Certificatecd_9mo3.85% APY3.79%9 moStandard

Other rates

3 offers
Ellafi Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Equifi Energy Loans (1 to 60 Months)other5.990% %5.990%—Standard
E-Bike Loans (1 to 24 Months)other6.990% %6.990%—Standard
Revolvingother9.740% %9.740%—Standard

Vehicle loans available from 4.74% APR for 60 months. HELOC rates from 5.25% APR. Personal loan rates from 8.99% APR. Credit card rates from 11.95% APR. Savings and certificate yields up to 3.85% APY.

Source: RateAPI.dev, verified from Ellafi Credit Union's official website

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About Ellafi Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
9.9K
Assets
$177.8M
Founded
1935
Locations reported
3
NCUA charter
854
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

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.

Connecticut State EmployeesConnecticut State Employees Credit Union · Middletown · CT · 06457-4159Branch in the same ZIPDutch PointMiddletown · Middletown · CT · 06457-3367Branch in the same ZIPState Police Credit Union Inc.Department Public Safety Branch · Middletown · CT · 06457-2389Branch in the same ZIPAmerican Eagle FinancialCromwell · CROMWELL · CT · 06416-1805About 5.0 miles awaySelfrelianceCromwell Branch · Cromwell · CT · 06416About 5.0 miles awayAchieve FinancialMeriden · Meriden · CT · 06450-6019About 6.1 miles away

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 Ellafi Credit Union

Membership eligibility from Ellafi Credit Union's own published criteria. How we verify this.

Community charter: live/work in Branford, Cheshire, Chester +21 more

Cost to join: About $5.

Verified from Ellafi Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Ellafi Credit Union?

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Frequently Asked Questions

What rates does Ellafi Credit Union offer?

Ellafi Credit Union currently offers vehicle loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Ellafi Credit Union rates updated?

RateAPI verifies Ellafi 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 Ellafi Credit Union's rate data?

Rate data is collected directly from Ellafi 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 Ellafi Credit Union's auto & boat loan rates?

As of August 4, 2026, Ellafi Credit Union offers vehicle loans from 4.74% APR.

What is Ellafi Credit Union's HELOC rate?

As of August 4, 2026, Ellafi Credit Union offers home equity lines of credit from 5.25% APR.

What is Ellafi Credit Union's personal loan rate?

As of August 4, 2026, Ellafi Credit Union offers personal loans from 8.99% APR.

What is Ellafi Credit Union's best CD rate?

As of August 4, 2026, Ellafi Credit Union offers savings and certificate (CD) yields up to 3.85% APY.

Related Rate Data

Compare Ellafi Credit Union's rates against national credit-union benchmarks.

More Connecticut credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Ellafi Credit Union
curl "https://api.rateapi.dev/credit-unions/connecticut/ellafi" \
  -H "Authorization: Bearer YOUR_API_KEY"
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