Electel Cooperative

raleigh, North Carolina
Last verified: July 10, 2026

As of July 10, 2026, Electel Cooperative offers a savings mortgage at 2.273% APR (2.25% rate, 0 points). Auto loans available from 3.65% APR. HELOC rates from 6% APR. Personal loan rates from 6.75% APR.

Source: RateAPI.dev, verified from Electel Cooperative's official website

Mortgage Rates

Rates as of July 10, 2026

savings
2.273% APR
Rate2.250%
Points0
HSA
ira
2.273% APR
Rate2.250%
Points0
IRA Money Market
money_market
2.273% APR
Rate2.250%
Points0
Money Market
share_certificate
3.700% APR
Rate3.639%
Points0
Share Certificate (180 Day)
share_certificate_30mo
3.800% APR
Rate3.735%
Points0
Share Certificate (30 Month)
share_certificate_36mo
3.800% APR
Rate3.734%
Points0
Share Certificate (36 Month)
share_certificate_12mo
3.850% APR
Rate3.784%
Points0
Share Certificate (12 Month)
share_certificate_18mo
3.900% APR
Rate3.832%
Points0
Share Certificate (18 Month)
share_certificate_24mo
3.900% APR
Rate3.832%
Points0
Share Certificate (24 Month)

Auto Loan Rates

Rates as of July 10, 2026

auto_new
3.650% APR
Rate3.650%
[PROMOTIONAL] New Auto Loan
auto_used
4.400% APR
Rate4.400%
[PROMOTIONAL] Used Auto Loan
auto
8.950% APR
Rate8.950%
[PROMOTIONAL] RV, Watercraft & Motorcycle
auto
9.900% APR
Rate9.900%
[PROMOTIONAL] Lawn, Garden & Farm Equipment
credit_card
9.900% APR
Rate9.900%
[PROMOTIONAL] VISA® Credit Card

HELOC Rates

Rates as of July 10, 2026

heloc_variable
6.000% APR
Rate6.000%
HELOC Line of Credit

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured
6.750% APR
Rate6.750%
[PROMOTIONAL] Signature Loan
personal
6.900% APR
Rate6.900%
[PROMOTIONAL] Energy Efficient Loan
personal_secured
10.900% APR
Rate10.900%
[PROMOTIONAL] Other Collateral

Frequently Asked Questions

What rates does Electel Cooperative offer?

Electel Cooperative currently offers mortgage, 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 Electel Cooperative rates updated?

RateAPI verifies Electel Cooperative'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 Electel Cooperative's rate data?

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

What is Electel Cooperative's mortgage rate?

As of July 10, 2026, Electel Cooperative offers a savings mortgage at 2.273% APR.

What is Electel Cooperative's auto loan rate?

As of July 10, 2026, Electel Cooperative offers auto loans from 3.65% APR.

Related Rate Data

Compare Electel Cooperative's rates against national credit-union benchmarks.

More North Carolina credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan 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.

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 Electel Cooperative
curl "https://api.rateapi.dev/credit-unions/north-carolina/electel-cooperative" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude