--- title: "York Educational Credit Union Rates - Pennsylvania" description: "Current vehicle loan, heloc, and personal loan rates from York Educational Credit Union in Pennsylvania. Updated daily with source verification. See who can join York Educational Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/york-educational" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # York Educational Credit Union Rates - Pennsylvania ### Auto & vehicle rates 14 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 5.990% | new | Standard | | **Used Auto Loan** auto_used | — APR | 6.150% | used | Standard | | **36-Month Used Auto Loan** auto_used_36mo | — APR | 6.190% | 36 mo · used | Context only | | **60-Month New Auto Loan** auto_new_60mo | — APR | 6.250% | 60 mo · new | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 6.500% | 72 mo · new | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 6.590% | 48 mo · used | Context only | | **New and Used RV Loan** rv_any_60mo | — APR | 7.000% | 60 mo · any | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 7.290% | 60 mo · used | Context only | | **New and Used RV Loan** rv_any_72mo | — APR | 7.500% | 72 mo · any | Context only | | **New and Used RV Loan** rv_any_84mo | — APR | 7.840% | 84 mo · any | Context only | | **84-Month New Auto Loan** auto_new_84mo | — APR | 7.990% | 84 mo · new | Standard | | **New and Used RV Loan** rv_any_120mo | — APR | 8.240% | 120 mo · any | Context only | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 8.290% | 72 mo · used | Context only | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 8.590% | 84 mo · used | Context only | York Educational Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable rate, adjusted quarterly)** heloc_variable | — APR | 5.050% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.690% | — | Standard | York Educational Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 8 offers | Product | Published | Rate | Term / condition | Status | | **18-Month Share-Secured Loan** personal_secured_18mo | — APR | 1.990% | 18 mo | Context only | | **Credit Builder/Rebuilder**** personal_unsecured_36mo | — APR | 5.000% | 36 mo | Context only | | **36-Month Personal Line of Credit** ploc_variable | — APR | 6.500% | 36 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 6.500% | — | Standard | | **Holiday Loan** personal_unsecured_18mo | — APR | 8.990% | 18 mo | Context only | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 9.100% | 36 mo | Context only | | **60-Month Signature Loan** personal_unsecured_60mo | — APR | 9.350% | 60 mo | Context only | | **Signature**** other | — APR | 9.100% | — | Standard | York Educational Credit Union personal loan rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Purchases APR*** other | — % | 9.990% | — | Standard | | **Cash Advances APR*** other | — % | 9.990% | — | Standard | York Educational Credit Union other rates as of November 12, 2026 York Educational Credit Union is a credit union in Pennsylvania. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/york-educational) , verified from [York Educational Credit Union's official website](https://yefcu.org/) Loading branch locator… ## About York Educational Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.8K Assets $46M Founded 1969 Locations reported 3 NCUA charter 19429 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - 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. [**Americhoice** Leader Heights · York · PA · 17403-5205 About 0.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/americhoice) [**Members 1st** South Queen Street Branch · York · PA · 17403 About 1.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/members-1st) [**First Capital** South York · York · PA · 17402 About 1.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/first-capital) [**White Rose** Downtown · York · PA · 17401 About 3.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/white-rose) [**Pace Resources** YORK - MAIN OFFICE · YORK · PA · 17401 About 3.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/pace-resources) [**Heritage Valley** Cape Horn Road Office · York · PA · 17402-7900 About 3.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/heritage-valley) 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 York Educational Credit Union Membership eligibility from York Educational Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on York Educational Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Beck & Ness Woodworking, Lincoln Charter School - Association Asian Indian Americans of Central Pennsylvania, St. John’s Blymire United Church of Christ, York Suburban School Board of Directors - Place of worship Tidings of Peace Mennonite Church, Zion United Church of Christ - School Red Lion Area School District, William Penn Senior High School, York College of Pennsylvania, York Suburban School District Verified from [York Educational Credit Union's membership page](https://yefcu.org/join-us/) . Final membership determination is always made by the credit union. ## Membership rules for York Educational Credit Union Employers 2 · Associations 3 · Schools 4 · Places of worship 2 · Family 2 13 published paths to membership, last verified August 27, 2026, quoted from York Educational Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Beck & Ness Woodworking “Employees of the following schools and businesses Beck & Ness Woodworking” > [source ↗](https://yefcu.org/join-us/) - Employee of Beck & Ness Woodworking - Employee of school “Lincoln Charter School” > [source ↗](https://yefcu.org/join-us/) - Employee of school ### Associations 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Asian Indian Americans of Central Pennsylvania “Members of the following organizations Asian Indian Americans of Central Pennsylvania” > [source ↗](https://yefcu.org/join-us/) - Member of Asian Indian Americans of Central Pennsylvania - Member of United Church of Christ “St. John’s Blymire United Church of Christ” > [source ↗](https://yefcu.org/join-us/) - Member of United Church of Christ - Member of Board of Directors “York Suburban School Board of Directors” > [source ↗](https://yefcu.org/join-us/) - Member of Board of Directors ### Schools 4 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Red Lion Area School District “Students of Red Lion Area School District” > [source ↗](https://yefcu.org/join-us/) - Student at Red Lion Area School District - Student of William Penn Senior High School “Students of William Penn Senior High School” > [source ↗](https://yefcu.org/join-us/) - Student at William Penn Senior High School - Student of York College of Pennsylvania “Students of York College of Pennsylvania” > [source ↗](https://yefcu.org/join-us/) - Student at York College of Pennsylvania - Student of York Suburban School District “Students of York Suburban School District” > [source ↗](https://yefcu.org/join-us/) - Student at York Suburban School District ### Places of worship 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Tidings of Peace Mennonite Church “Tidings of Peace Mennonite Church” > [source ↗](https://yefcu.org/join-us/) - Member of Tidings of Peace Mennonite Church - Member of Zion United Church of Christ “Zion United Church of Christ” > [source ↗](https://yefcu.org/join-us/) - Member of Zion United Church of Christ ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “By becoming a YEFCU member through a coworker, family member or participating organization, you have access to our financial services for a lifetime.” > [source ↗](https://yefcu.org/join-us/) - Family member of a member - Family of a member family “Our membership is open to a large number of businesses, organizations, institutions and school districts and their family members local to York, PA.” > [source ↗](https://yefcu.org/join-us/) - Family member (family) 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 York Educational Credit Union? Yes No ## Work at York Educational 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 York Educational Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched York Educational 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=york-educational&state=pennsylvania&code=PA&name=York%20Educational%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does York Educational Credit Union offer? York Educational Credit Union currently offers 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 York Educational Credit Union rates updated? RateAPI verifies York Educational 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 York Educational Credit Union's rate data? Rate data is collected directly from York Educational Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join York Educational Credit Union? York Educational Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 2 employers, 3 associations, 4 schools and 2 places of worship for York Educational Credit Union, each quoted from York Educational Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare York Educational Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/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) [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://yefcu.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 York Educational 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 York Educational Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /york-educational " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## York Educational Credit Union locations Search, filter, and browse all 3 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/york-educational Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp