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    Personal Loans

    Loans tailored to your unique needs.

    ECU knows it’s important to be financially flexible, because life is filled with surprises and unexpected expenses.

    Whether your child needs braces or your car needs repairs…you have the opportunity to take the vacation of a lifetime or just want to consolidate your existing bills, ECU has an option for you with competitive rates. We’ll even do loan consolidations!


    • Great rates
    • Flexible terms
    • Loan consolidations
    • Personal lines of credit
    • Apply 24/7 online or via phone

    Members may have any combination of the following loans, but the total amount borrowed can’t exceed $25,000.

    Not a member? It's easy!

    Join Today

    "It’s Your Money"® Loan

    Designed to help with the important events of your life, you can finance your daughter’s wedding, moving expenses, that dream vacation, car repairs and much more!

    • Great rates
    • Flexible terms

    Can’t be used for debt consolidation or to refinance other ECU loans.

    Signature Loan

    Consolidate your bills into one easy to manage monthly payment! Unlike credit cards, when you consolidate your debt with an ECU signature loan, you know exactly when your loan will be paid off.

    • Great rates
    • Flexible terms
    • One easy to manage monthly payment

    Personal Line of Credit

    Get approved for a pre-determined credit limit and make advances right on the teller line, over the telephone or via ECU Online®! Great for last minute cash needs or unexpected expenses.

    • Get approved for a pre-determined credit limit
    • Make advances on the teller line, over the telephone or via ECU Online®

    Share/Certificate Secured Loan

    Got the money on deposit, but don’t want to lose the interest you are earning? With a share or certificate secured loan, use deposited funds as collateral and receive a discounted interest rate.

    • Use deposited funds as collateral
    • Discounted interest rate

    To apply for a Share/Certificates Secured Loan, please visit a branch or contact 800.999.2328.

    Salary Advance Loan

    Pay day still a week away?

    ECU can help with a Salary Advance line-of-credit that offers a great rate with a payment calculated on a 90-day term, a $500 maximum advance amount (with a $100 minimum) and annual fee of only $25. Members must have a direct deposit into an ECU account to apply for a Salary Advance Loan.

    • Great rate with a payment calculated on a 90-day term
    • $500 maximum advance amount (with a $100 minimum)
    • Annual fee of only $25


    Seasonal Loan

    Our seasonal loan offers a very competitive rate due to a low maximum loan amount and a short repayment term.

    • Competitive rate
    • Short repayment term

    Accessibility Loan

    When you need to purchase medical equipment or accessible transportation, ECU has the loan to help meet your needs!

    An ECU Accessibility Loan can be used for any product, device, or building modification designed to assist someone with a disability. Qualified items include accessible vehicles, powered/manual transportation, adaptive equipment, accessible building modifications, and more! Simply apply for an Auto or It's Your Money Loan and let your loan officer know the purpose.

    Please apply online at ecu.org or through our Member Contact Center at 800.999.2328.

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