--- title: "Erie City Employees Credit Union Rates (Nov 2026): Personal 6.49%" description: "Erie City Employees Credit Union rates today: personal loans from 6.49% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Erie City Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/erie-city-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Erie City Employees Credit Union Rates (Nov 2026): Personal 6.49% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mortgage Loan** other | — APR | 6.500% | — | Standard | Erie City Employees Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 19 offers | Product | Published | Rate | Term / condition | Status | | **AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer) (0 - 24 Months)** motorcycle_any_24mo | — APR | 4.840% | 24 mo · any | Standard | | **AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer) (25 - 36 Months)** motorcycle_any_36mo | — APR | 4.990% | 36 mo · any | Standard | | **AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer) (37 - 48 Months)** motorcycle_any_48mo | — APR | 5.240% | 48 mo · any | Standard | | **AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer) (49 - 60 Months)** motorcycle_any_60mo | — APR | 5.490% | 60 mo · any | Standard | | **AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). (0 - 24 Months)** motorcycle_used_24mo | — APR | 5.490% | 24 mo · used | Standard | | **AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). (25 - 36 Months)** motorcycle_used_36mo | — APR | 5.740% | 36 mo · used | Standard | | **AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer) (61 - 72 Months)** motorcycle_any_72mo | — APR | 5.740% | 72 mo · any | Standard | | **AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). (37 - 48 Months)** motorcycle_used_48mo | — APR | 5.990% | 48 mo · used | Standard | | **AUTOMOBILE & MOTORCYCLE NEW & Used (2024 & Newer) (73 - 84 Months)** motorcycle_any_84mo | — APR | 5.990% | 84 mo · any | Standard | | **AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). (49 - 60 Months)** motorcycle_used_60mo | — APR | 6.240% | 60 mo · used | Standard | | **AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). (61 - 72 Months)** motorcycle_used_72mo | — APR | 6.490% | 72 mo · used | Standard | | **AUTOMOBILE & MOTORCYCLE Used (2020 - 2023). (73 - 84 Months)** motorcycle_used_84mo | — APR | 6.750% | 84 mo · used | Standard | | **New Boat & RV (0-24 Months)** boat_new_24mo | — APR | 8.250% | 24 mo · new | Standard | | **Auto Loan** auto | — APR | 8.250% | — | Standard | | **New Boat & RV (25-60 Months)** boat_new_60mo | — APR | 9.000% | 60 mo · new | Standard | | **New Boat & RV (61-84 Months)** boat_new_84mo | — APR | 9.750% | 84 mo · new | Standard | | **Used Boat & RV (0-60 Months)** boat_used_60mo | — APR | 10.500% | 60 mo · used | Standard | | **New Boat & RV (85-120 Months)** boat_new_120mo | — APR | 11.500% | 120 mo · new | Standard | | **Used Boat & RV (61-84 Months)** boat_used_84mo | — APR | 11.500% | 84 mo · used | Standard | Erie City Employees Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan - First Position Mortgage (Home Equity - First Position Mortgage (0-60 Months))** heloc_fixed | — APR | 5.250% | — | Context only | | **Home Equity - First Position Mortgage (0-60 Months)** heloc | — APR | 5.250% | — | Context only | | **Home Equity - First Position Mortgage (61-120 Months)** heloc | — APR | 6.000% | — | Context only | | **Home Equity Loan - First Position Mortgage (Home Equity - First Position Mortgage (61-120 Months))** heloc_fixed | — APR | 6.000% | — | Context only | | **Home Equity - Second Position Mortgage (0-60 Months)** heloc | — APR | 6.250% | — | Standard | | **Home Equity - First Position Mortgage (121-180 Months)** heloc | — APR | 6.250% | — | Context only | | **Home Equity Loan - Second Position Mortgage (Home Equity - Second Position Mortgage (0-60 Months))** heloc_fixed | — APR | 6.250% | — | Standard | | **Home Equity Loan - First Position Mortgage (Home Equity - First Position Mortgage (121-180 Months))** heloc_fixed | — APR | 6.250% | — | Context only | | **Home Equity Loan - Second Position Mortgage (Home Equity - Second Position Mortgage (61-120 Months))** heloc_fixed | — APR | 6.750% | — | Standard | | **Home Equity - Second Position Mortgage (61-120 Months)** heloc | — APR | 6.750% | — | Standard | | **Home Equity Loan - Second Position Mortgage (Home Equity - Second Position Mortgage (121-180 Months))** heloc_fixed | — APR | 7.000% | — | Standard | | **Home Equity - Second Position Mortgage (121-180 Months)** heloc | — APR | 7.000% | — | Standard | Erie City Employees Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | 6.490% APR | 6.490% | — | Standard | Erie City Employees Credit Union personal loan rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Limit less than $24,999.00 (Min $5,000.00)** other | — % | 0.750% | — | Standard | | **Credit Limit greater than $75,000.00 (Max $150,000.00)** other | — % | 0.750% | — | Standard | Erie City Employees Credit Union other rates as of November 12, 2026 Personal loan rates from 6.49% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/erie-city-employees) , verified from [Erie City Employees Credit Union's official website](https://www.eriefcu.org/) Best product position **Better than the Pennsylvania median** personal loan Gap to state best **450 bp** 450 bp from state best Vs. state median **251 bp better than median** personal loan Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 6.49% | Better than the Pennsylvania median | 450 bp from state best | 251 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Erie City Employees Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=erie-city-employees&state=pennsylvania&code=PA&name=Erie%20City%20Employees%20Credit%20Union) Loading branch locator… ## About Erie City Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 817 Assets $7.9M Founded 1953 Locations reported 1 NCUA charter 8913 Charter type Federal credit union ### Services and member support - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Erie** 38th Street · Erie · PA · 16504 About 0.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/erie) [**Locomotive & Control Employees** Main Office · Erie · PA · 16504-3039 About 0.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/locomotive-control-employees) [**Widget** 38th Street · Erie · PA · 16510-3409 About 1.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/widget) [**Saint Vincent Erie** SVHS · Erie · PA · 16544 About 1.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/saint-vincent-erie) [**Erie Firefighters** CU Office · Erie · PA · 16508-2611 About 1.9 miles away](https://rateapi.dev/credit-unions/pennsylvania/erie-firefighters) [**Tendto** 1129 State · Erie · PA · 16501-1911 About 2.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/tendto) 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 Erie City Employees Credit Union Membership eligibility from Erie City Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Erie City Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Location erie, crawford — PA Verified from [Erie City Employees Credit Union's membership page](https://www.eriefcu.org/bank/personal-banking/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Erie City Employees Credit Union Geography 2 counties · Family 9 published paths to membership, last verified August 22, 2026, quoted from Erie City Employees Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Crawford County, PA - Erie County, PA “If you live, work, worship or attend school in Erie or Crawford County, PA” > [source ↗](https://www.eriefcu.org/bank/personal-banking/become-a-member) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member child, grandchild, grandparent, parent, sibling, stepchild, stepparent, step sibling “or you are a child, grandchild, grandparent, parent, sibling, stepchild, stepparent or step sibling of an existing member of Erie Federal Credit Union, you can Belong to the Erie FCU!” > [source ↗](https://www.eriefcu.org/bank/personal-banking/become-a-member) - Family member (child, grandchild, grandparent, parent, sibling, stepchild, stepparent, step sibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Erie City Employees Credit Union? Yes No ## Work at Erie City Employees 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 Erie City Employees Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Erie City Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=erie-city-employees&state=pennsylvania&code=PA&name=Erie%20City%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Erie City Employees Credit Union offer? Erie City Employees Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Erie City Employees Credit Union rates updated? RateAPI verifies Erie City Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Erie City Employees Credit Union's rate data? Rate data is collected directly from Erie City Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Erie City Employees Credit Union's personal loan rate? As of November 12, 2026, Erie City Employees Credit Union offers personal loans from 6.49% APR. ### Who can join Erie City Employees Credit Union? Erie City Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 2 counties for Erie City Employees Credit Union, each quoted from Erie City Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Erie City Employees Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania mortgage rate leaders](https://rateapi.dev/mortgage-rates/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.eriefcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Erie City Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Erie City Employees Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /erie-city-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Erie City Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/erie-city-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp