Rates effective July 1, 2026
APR = Annual Percentage Rate
Mortgage Rates in CT
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Home Equity Loans
Home Equity Loan Rates in CT (5 Year)
| Term | Rate | Payment Amount Per $1,000 Borrowed |
|---|---|---|
| 5 Year (< = 80% LTV) | rates as low as 5.25% | $18.98 |
Home Equity Loan Rates (10 Year)
| Term | Rate | Payment Amount Per $1,000 Borrowed |
|---|---|---|
| 10 Year (< = 80% LTV) | rates as low as 5.50% | $10.85 |
Home Equity Loan Rates (15 Year)
| Term | Rate | Payment Amount Per $1,000 Borrowed |
|---|---|---|
| 15 Year (< = 80% LTV) | rates as low as 5.75% | $8.30 |
Home Equity Loan Rates (20 Year)
| Term | Rate | Payment Amount Per $1,000 Borrowed |
|---|---|---|
| 20 Year (< = 80% LTV) | rates as low as 6.00% | $7.16 |
- Your rate will be determined by your credit report.
- Home Equity loan rates will be increased by 0.50% if loan amount is less than $25,000.00
- Property and/or flood insurance required.
Home Equity Lines of Credit (HELOC)
Home Equity Line of Credit Rates in CT
| Term | APR | Assumptions |
|---|---|---|
| Up to 80% (LTV | as low as 6.50% | Platinum credit and loan amount for $25,000 |
- Your rate will be determined by your credit report.
- Rates on Home Equity Line of Credits will be increased by 0.50% if line amount is less than $25,000.00
- Variable Rate is based on The Wall Street Journal Prime Rate as of the last business day of the previous billing cycle. Prime Rate is currently 6.75%. (Prime minus 0.25% = 6.50% APR).
- Minimum APR 6.50%, Maximum APR 18.00%
- Property and/or flood insurance required.
Home Improvement Loans
Home Improvement Loan Rates in CT
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| 5 years | as low as 8.99% | $20.75 |
| 10 years | as low as 9.99% |
$13.21 |
Auto Loans
New Auto Loan Rates in CT (2025 & 2026)
| Term | Rate* | Payment Amount Per $1,000.00 Borrowed | Assumptions |
|---|---|---|---|
| Up to 60 months | as low as 4.74% | $18.72 | Platinum credit and loan amount of $25,000 |
| 61 to 72 months | as low as 4.85% | $16.09 | |
| 73 to 84 months (Min $25k loan amount) |
as low as 5.49% | $14.37 |
Used Auto Loan Rates CT
| Term | Rate* | Payment Amount Per $1,000.00 Borrowed | Assumptions |
|---|---|---|---|
| Up to 60 months | as low as 5.24% | $18.96 | Platinum credit and loan amount of $25,000 |
| 61 to 72 months | as low as 5.34% | $16.25 | |
| 73 to 84 months (Min $25k loan amount) |
as low as 6.24% | $14.63 |
*Rate determined by your credit history and term and subject to change without notice. Annual Percentage Rate (APR) includes a 0.25% rate discount with Auto Pay from a Ellafi FCU checking account.
Recreational Vehicle Loans
Boat & Recreational Vehicle Loan Rates
| Term | APR* | Payment Amount Per $1,000.00 Borrowed | Assumptions |
|---|---|---|---|
| Up to 60 months | as low as 7.00% | $19.80 | Platinum credit and a loan amount of $15,000 |
| 61 to 120 months | as low as 8.00% | $12.13 | |
| 121 to 180 months | as low as 9.00% | $10.14 |
*Rate determined by your credit history and term and subject to change without notice.
Credit Cards
Credit Card Rates
| Card Type | APR for Purchases | APR for Balance Transfers | APR for Cash Advances |
|---|---|---|---|
| Visa® Platinum | 11.95% to 17.95% based on your credit history | 11.95% to 17.95% based on your credit history | 11.95% to 17.95% based on your credit history |
| Visa® Platinum Rewards | 13.95% to 17.95% based on your credit history | 13.95% to 17.95% based on your credit history | 13.95% to 17.95% based on your credit history |
| Visa® Signature | 12.95% to 17.95% based on your credit history | 12.95% to 17.95% based on your credit history | 12.95% to 17.95% based on your credit history |
Student Loans
Student Loan Rates
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| Up to 60 Months | as low as 6.24% | $19.44 |
| 120 Months | as low as 7.24% | $11.73 |
| 180 Months | as low as 8.24% | $9.70 |
Personal Loans
Personal Loan Rates
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| 1 to 36 Months | as low as 10.99% | $32.73 |
| 37 to 60 Months | as low as 11.99% | $22.24 |
Personal Line of Credit Rates
| Term | APR |
|---|---|
| Revolving | as low as 9.74% |
Certificate Secured Loan Rates
| Term | APR |
|---|---|
| 60 months | 3% over current certificate rate |
Share Secured Loan Rates
| Term | APR |
|---|---|
| 120 months | 3% over current share rate |
Your rate will be determined by your credit report and term selected.
Energy Efficient Loans
Equifi Energy Loans
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| 1 to 60 Months | as low as 5.99% | $19.33 |
EV Auto Loans
| Term | Rate* | Payment Amount Per $1,000.00 Borrowed | Assumptions |
|---|---|---|---|
| Up to 60 months | as low as 4.99% | $18.87 | Platinum credit and loan amount of $25,000 |
E-Bike Loans
| Term | APR | Payment Amount Per $1,000.00 Borrowed |
|---|---|---|
| 1 to 24 Months | as low as 6.99% | $44.77 |
Ellafi Federal Credit Union NMLS ID# 441485
Ellafi Federal Credit Union Loan Officer's NMLS ID Information (PDF)