Ellafi Auto Loan, HELOC & Personal Loan Rates & Who Can Join

Who Can Join Ellafi

Membership eligibility from Ellafi'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's membership page. Final membership determination is always made by the credit union.

Auto Loan Rates

Rates as of July 10, 2026

auto_new_60mo

4.740% APR

Rate4.740%

[PROMOTIONAL] New Auto Loan (Up to 60 months)

auto_new_72mo

4.850% APR

Rate4.850%

[PROMOTIONAL] New Auto Loan (61 to 72 months)

auto

4.990% APR

Rate4.990%

[PROMOTIONAL] EV Auto Loan

auto_used_60mo

5.240% APR

Rate5.240%

[PROMOTIONAL] Used Auto Loan (Up to 60 months)

auto_used_72mo

5.340% APR

Rate5.340%

[PROMOTIONAL] Used Auto Loan (61 to 72 months)

auto_new_84mo

5.490% APR

Rate5.490%

[PROMOTIONAL] New Auto Loan (73 to 84 months)

auto_used_84mo

6.240% APR

Rate6.240%

[PROMOTIONAL] Used Auto Loan (73 to 84 months)

auto_any_60mo

7.000% APR

Rate7.000%

[PROMOTIONAL] Boat & RV Loan (Up to 60 months)

auto_any_120mo

8.000% APR

Rate8.000%

[PROMOTIONAL] Boat & RV Loan (61 to 120 months)

auto

9.000% APR

Rate9.000%

[PROMOTIONAL] Boat & RV Loan (121 to 180 months)

credit_card_platinum

11.950% APR

Rate11.950%

Visa Platinum Card

credit_card_platinum

12.950% APR

Rate12.950%

Visa Signature Card

credit_card_rewards

13.950% APR

Rate13.950%

Visa Platinum Rewards Card

HELOC Rates

Rates as of July 10, 2026

heloc_fixed

5.250% APR

Rate5.250%

[PROMOTIONAL] Home Equity Loan (5 Year)

heloc_fixed

5.500% APR

Rate5.500%

[PROMOTIONAL] Home Equity Loan (10 Year)

heloc_fixed

5.750% APR

Rate5.750%

[PROMOTIONAL] Home Equity Loan (15 Year)

heloc_fixed

6.000% APR

Rate6.000%

[PROMOTIONAL] Home Equity Loan (20 Year)

heloc_variable

6.500% APR

Rate6.500%

[PROMOTIONAL] Home Equity Line of Credit

heloc_variable

6.500% APR

Rate6.500%

[PROMOTIONAL] Home Equity Line of Credit (HELOC)

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured_60mo

6.240% APR

Rate6.240%

[PROMOTIONAL] Student Loan (Up to 60 Months)

personal_unsecured_120mo

7.240% APR

Rate7.240%

[PROMOTIONAL] Student Loan (120 Months)

personal

8.240% APR

Rate8.240%

[PROMOTIONAL] Student Loan (180 Months)

personal_unsecured_60mo

8.990% APR

Rate8.990%

[PROMOTIONAL] Home Improvement Loan (5 years)

ploc_variable

9.740% APR

Rate9.740%

[PROMOTIONAL] Personal Line of Credit

personal_unsecured_120mo

9.990% APR

Rate9.990%

[PROMOTIONAL] Home Improvement Loan (10 years)

personal_unsecured_36mo

10.990% APR

Rate10.990%

[PROMOTIONAL] Personal Loan (1 to 36 Months)

personal_unsecured_60mo

11.990% APR

Rate11.990%

[PROMOTIONAL] Personal Loan (37 to 60 Months)

Frequently Asked Questions

What rates does Ellafi offer?

Ellafi currently offers auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Ellafi rates updated?

RateAPI verifies Ellafi's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Ellafi's rate data?

Rate data is collected directly from Ellafi's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Ellafi's auto loan rate?

As of July 10, 2026, Ellafi offers auto loans from 4.74% APR.

Related Rate Data

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

More Connecticut credit unions Auto loan rate benchmark HELOC rates Personal loan rates How we verify rates

Source Information

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

View Original Source

Methodology

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

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

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

Explore API Documentation Use with Claude