Get Pre-Qualified Today! Non-members Can Apply!

Auto Loans

For vehicle financing, make ECU your first stop! With competitive rates and flexible term, make sure you consult with an ECU associate prior to making financing and/or potential rebate decisions at a dealership. As an ECU member, the credit union will work with you to identify your best financing options and pre-approve you BEFORE you shop.

You may apply online or stop into any convenient ECU location.

  • Get pre-approved
  • Easy online application
  • Competitive rates
  • Best Value Guarantee

New & Used Car, Truck and Van Loans

Get a great rate on your ride. Finance your new or used vehicle with ECU and enjoy 100% financing and terms up to 84 months with competitive rates. You can also refinance your existing auto loan from another institution to potentially lower your rate and get better terms.

Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. Contact an Education Credit Union associate for complete details.

VISA Platinum Cash Rewards

“I want more rewards”

Get rewarded for spending! With our Cash Rewards program, you earn 1% cash back on your everyday purchases.

  • 1% cash back on all purchases
  • Variable rate on purchases and cash advances
  • 25-day payment grace period
  • VISA Checkout for safe, simple, and easier online purchases
  • Purchase security and extended protection
  • Cell phone protection
  • NO annual fee

Click Here to view product disclosure.

Extra Credit Line of Credit

Set up a “Cash Stash” for unexpected expenses and buying opportunities. An ECU Extra Credit Line of Credit serves as overdraft protection for your ECU checking account or an easy way to access money when you need it.

Once you establish your Extra Credit Line of Credit account, you do not need to see a loan officer. You “own” all the benefits. You can make a withdrawal from the account when you visit an ECU lobby teller, or you may designate your Extra Credit Line of Credit account as overdraft protection for your checking account. You can access your funds, up to your credit limit, day or night, 365 days a year, at home or away with your Extra Credit Special Loan Drafts (checks) or you can transfer from your Extra Credit account to your checking account through ECU’s touch-tone teller. (Be sure you have signed up for this FREE service.) Mobile app or home banking

Pay your Extra Credit account in full each month or repay according to the payment schedule based upon the amount you have accessed.