Electel Cooperative Credit Union
Verified rate book
Current Electel Cooperative Credit Union rates
24 published offers verified as of August 4, 2026.
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto Loanauto_new | 3.650% APR | 3.650% | new | Standard |
| Used Auto Loanauto_used | 4.400% APR | 4.400% | used | Standard |
| RV, Watercraft & Motorcyclerv | 8.950% APR | 8.950% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.000% APR | 6.000% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Signature Loanpersonal_unsecured | 6.750% APR | 6.750% | — | Standard |
| Energy Efficient Loanpersonal | 6.900% APR | 6.900% | — | Standard |
| Other Collateralpersonal_secured | 10.900% APR | 10.900% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 9.900% APR | 9.900% | — | Standard |
Savings & CD rates
15 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Checkingsavings | 0.05% APY | 0.05% | — | Standard |
| Regular Savingssavings | 0.50% APY | 0.50% | — | Standard |
| IRAira | 0.50% APY | 0.50% | — | Standard |
| HSAsavings | 2.25% APY | 2.25% | — | Standard |
| IRA Money Marketira | 2.25% APY | 2.25% | — | Standard |
| IRA Certificate (180 Day)ira_cd | 3.70% APY | 3.64% | — | Standard |
| Certificate (180 Day)share_certificate | 3.70% APY | 3.64% | — | Standard |
| 36-Month Certificateshare_certificate_36mo | 3.80% APY | 3.73% | 36 mo | Standard |
| 30-Month IRA Certificateira_cd_30mo | 3.80% APY | 3.73% | 30 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.80% APY | 3.73% | 36 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.85% APY | 3.78% | 12 mo | Standard |
| 18-Month IRA Certificateira_cd_18mo | 3.90% APY | 3.83% | 18 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.90% APY | 3.83% | 24 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 3.90% APY | 3.83% | 24 mo | Standard |
| 18-Month Certificateshare_certificate_18mo | 3.90% APY | 3.83% | 18 mo | Standard |
Equipment loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Lawn, Garden & Farm Equipmentequipment | 9.900% APR | 9.900% | — | Standard |
Vehicle loans available from 3.65% APR. HELOC rates from 6% APR. Personal loan rates from 6.75% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 3.90% APY. Equipment loans from 9.9% APR.
Source: RateAPI.dev, verified from Electel Cooperative Credit Union's official website
Latest available market position · Snapshot August 1, 2026
Electel Cooperative Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other NC credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| New Auto Loan (best offer, cars) | 3.65% APR | #1 of 21 · top 5% | 3.65% | 4.49% | 84 bp better than state median |
| Used Auto Loan (best offer, cars) | 4.40% APR | #2 of 21 · top 10% | 3.99% | 4.99% | 59 bp better than state median |
| HELOC (best offer) | 6.00% APR | #4 of 17 · top 24% | 3.50% | 6.65% | 65 bp better than state median |
| Personal Loan (unsecured, best offer) | 6.75% APR | #5 of 35 · top 15% | 4.85% | 9.74% | 299 bp better than state median |
| 12-Month CD (best APY) | 3.85% APY | #3 of 8 · top 38% | 4.00% | 3.50% | 35 bp better than state median |
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About Electel Cooperative Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 7.4K
- Assets
- $66.5M
- Founded
- 1969
- Locations reported
- 5
- NCUA charter
- 24819
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- 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.
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 Electel Cooperative Credit Union
Membership eligibility from Electel Cooperative Credit Union's own published criteria. How we verify this.
Membership via the A &N Electric +49 more
- LocationNC, VA
- AssociationA &N Electric, Albemarle EMC, ATMC (Atlantic), BIT Communications, Blue Ridge Energy, Brunswick EMC, Buggs Island Telephone, Cape Hatteras EMC, Carteret-Craven EMC, Central EMC, Central Va. Electric, Community Electric, Craig-Botetourt Electric, Edgecombe-Martin EMC, Energy United, Four County EMC, French Broad EMC, Halifax EMC, Haywood EMC, Jones-Onslow EMC, Lumbee River EMC, Mecklenburg Electric, Northern Neck EC, Northern Va. Electric, Old Dominion Electric, Pee Dee EMC, Piedmont EMC, Pitt-Greene EMC, Prince George Electric, Randolph EMC, Randolph TMC, Rappahannock Electric, Roanoke Electric Cooperative, Rutherford EMC, Sandhills Utility, Scott County Telephon, Shenandoah Valley Electric, Skyline Telephone, South River EMC, Southside Electric, Star TMC, Surry TMC, Surry-Yadkin EMC, Tideland EMC, Tri-County EMC, Union Power Cooperative, Va., Md. & Del. Association, Wilkes Telephone Communications, Wake EMC, Yadkin Valley Telephone
Verified from Electel Cooperative Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Electel Cooperative Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Electel Cooperative Credit Union ranks against North Carolina peers.
Frequently Asked Questions
What rates does Electel Cooperative Credit Union offer?
Electel Cooperative Credit Union currently offers vehicle loan, HELOC, personal 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 Electel Cooperative Credit Union rates updated?
RateAPI verifies Electel Cooperative 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 Electel Cooperative Credit Union's rate data?
Rate data is collected directly from Electel Cooperative 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 Electel Cooperative Credit Union's auto & rv loan rates?
As of August 4, 2026, Electel Cooperative Credit Union offers vehicle loans from 3.65% APR.
What is Electel Cooperative Credit Union's HELOC rate?
As of August 4, 2026, Electel Cooperative Credit Union offers home equity lines of credit from 6% APR.
What is Electel Cooperative Credit Union's personal loan rate?
As of August 4, 2026, Electel Cooperative Credit Union offers personal loans from 6.75% APR.
What is Electel Cooperative Credit Union's best CD rate?
As of August 4, 2026, Electel Cooperative Credit Union offers savings and certificate (CD) yields up to 3.90% APY.
Related Rate Data
Compare Electel Cooperative 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 Electel Cooperative Credit Union
curl "https://api.rateapi.dev/credit-unions/north-carolina/electel-cooperative" \
-H "Authorization: Bearer YOUR_API_KEY"