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Loans

New & Used Auto Loans

Unlike "special financing" you may get from dealers, you can use your ECCU loan for almost any auto. ECCU offers pre-approved financing which lets you determine how much you have to spend, so you may shop around as a cash buyer. We offer highly competitive rates and terms for qualified borrowers. Plus, you can borrow up to 100% of the NADA retail value, plus the warranty, GAP and sales tax, based on credit.

If you have already purchased your vehicle, it's not too late! Refinance your existing loan from another financial institution at ECCU and enjoy our low rate.

Boat/RV Loans

We offer competitive rates on new and used boats and RVs with terms up to 120 months on model years 10 years old or newer.

First Mortgage Loans

Whether you are purchasing a home or looking to refinance your existing mortgage, we can help.

Visa® Credit Cards

We offer Classic and Platinum options with low rates, no annual fee and worldwide acceptance. With our Visa Platinum Credit Card, take advantage of a Bonus Rewards Program where each dollar spent is redeemable for merchandise, travel and rate discounts on a new, non-variable rate ECCU loan. Points earned are included in the monthly statement.

VISA

To report a lost or stolen Visa Credit Card, please call (800) 682-6075.

Home Equity Loans

Use your home’s equity to obtain a low-cost loan. You’ll enjoy an open-end, variable rate that can adjust quarterly, no closing costs and you can use the money for whatever you want - home improvements, college education, bill consolidation, medical expenses, etc. Best of all, the interest on the loan may be tax-deductible (consult your tax advisor).

Mobile Home Loan

We offer competitive rates and 100% financing with terms up to 120 months on both new and used models.

Personal

Signature Loan

If you are looking to pay off bills, make home improvements or any other special needs, a Signature Loan may be right for you. Your signature is all that’s needed to secure this loan!

Line of Credit - OOPS (Optional Overdraft Protection Service)

ECCU provides overdraft protection through a pre-established credit line for qualified members. If you write a check exceeding your checking balance, that amount will automatically be transferred from your line-of-credit, setting up an instant loan (up to your approved limit). OOPS protects you from costly overdraft and returned check fees.

Share-Secured Loans

Use your credit union shares as collateral. This is a great way to ensure that your account still earns dividends while you use funds from a share secured loan.

Ask About Protecting Your Loan Payments

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Debt Protection will cancel or waive your loan payment(s), up to the contract maximums—helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Ask us about protecting your loans today!

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