ECU Personal Loans

Fixed Monthly Payments for Purchases or Credit Card Payoff

Gain Financial Flexibility with an ECU Personal Loan

An ECU personal loan puts you into the position for success. Move on the purchase you want or pay down other high-rate credit cards with a personal loan from ECU. Get the convenience of a fixed monthly payment and a borrowing option designed to help you hit your financial goals faster. Smart rates, great terms, flexible payment options await you!

Why choose an ECU personal loan?

  • Make payments through online banking and the ECU mobile app

  • Fixed monthly payments allow for easier budgeting

  • Use funds for a major purchase or credit card consolidation

  • Choose from a variety of rates and terms to fit your needs

  • Enjoy quick service and straightforward guidance when you need it

Smart borrowing starts here with ECU.

Woman shopping to make a big purchase
Woman shopping to make a big purchase

Share Secured Loans and CD Secured Loans

(Deposit Secured Borrowing)

Solve Your Need. Get the Best Rate and Keep Your Deposits Earning Interest

Unlock a smarter borrowing option with ECU secured loans backed by your deposits. With a share secured loan or CD secured loan, your credit limit is based on the amount of your deposit collateral, giving you a straightforward way to access funds while leveraging what you already have on deposit.

ECU CD Secured loan Rates:

  • Are based on 2% over your CD interest rate

  • Credit limit is based on your deposit collateral amount

ECU Share Secured Loan Rates:

  • Are based on 3% above the highest share dividend rate

  • Credit limit is based on your deposit collateral amount

Reward Your Saving Efforts with a Loan Designed to Save You Money.

Couple on couch discussing finances

ECU Extra Credit Line of Credit

Cash Stash, Overdraft Protection, Anytime Access

Financial Flexibility When You Need It

Build a cash stash for unexpected expenses and buying opportunities with an ECU Extra Credit Line of Credit. Use it as overdraft protection for your ECU checking account or as a fast way to access funds when you need them.

How the ECU Extra Credit Line of Credit (LOC) works:

  • Set it up once, then access funds when you want

  • Use it as overdraft protection for your ECU checking account

  • Withdraw funds with an ECU teller

  • Access funds up to your credit limit day or night, 365 days a year

  • Manage transfers through the ECU mobile app or online banking

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

Smart Access to Extra Funds.

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*Subject to credit approval. Rates and terms may vary based on creditworthiness. Membership eligibility required.

Special purpose loans

Sometimes Life Needs Creativity

ECU is your financial expert and your source for creative solutions to meet your needs. ECU offers specialized loans designed to meet specific borrowing needs with flexible terms, rates and services. Ask an ECU staff member for complete details.

Use a special purpose loan when:

  • You have major surgeries scheduled, such as cosmetic changes and lasik eye repair, that aren’t fully covered by insurance.

  • You’re celebrating a major life event, such as a wedding, birth of a child, or taking a family vacation.

  • It’s back-to-school season, and you’re a student or the parent of a student, needing extra funds for school supplies, laptops, tuition, or other medical expenses. (Only offered July through September).

  • It’s back-to-school season, and you’re a new teacher hoping to start your new classroom off right. (Terms available for 24 and 36 months.)

  • It’s the holiday season, and you need a little extra cash to secure gifts for the special people in your life.

Solve it whatever it may be with ECU!

Young adult leaning against column structure

Your Personal Loan options at a glance.

Personal LoanOpen this loan to cover everyday expenses, major purchases, or unexpected costs with flexible repayment options.
Extra Credit Line of CreditOpen this line of credit for convenient access to funds when you need extra flexibility for planned or unexpected expenses.
Share Secured LoansOpen this loan using your savings account as collateral to build credit while keeping your savings intact.
CD Secured LoansOpen this loan using your certificate of deposit as collateral to access funds while continuing to earn dividends on your CD.
Special Purpose LoansOpen this loan to cover special expenses, such as back-to-school costs or holiday spending.
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