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    Membership is open to anyone who lives near our locations! Join the ECU family now.

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    ECU's loans offer competitive rates and flexible options to meet your needs.

    ECU's affordable loans and mortgages offer flexible options to fit your lifestyle.

    If you have an auto, boat, RV, or farm equipment loan or mortgage with another institution, chances are ECU can save you money. We save members money every day! It's what we do.

    • Competitive rates
    • Flexible terms
    • Personalized, friendly service
    • Online application 24/7
    • Electronic Signature Technology


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    Did You Know?

    ECU Loan Guardian

    Do you worry about unexpected life events that could leave you struggling to pay your bills? ECU Loan Guardian is a voluntary service that helps relieve the financial burden of your consumer loan or credit card at a time when income may be reduced or lost to due events such as death, disability, illness and involuntary unemployment.

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    Did You Know?

    Skip a Payment Program

    Need a break from your monthly payment? We know there are certain times in life when making your monthly payment might be difficult. Our Skip A Payment program provides a way to skip your monthly payment and use those funds for other unexpected needs.

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    Auto Loans

    Are you in the market for a new or used auto loan?

    ECU knows choosing the right financing option for your new purchase is an important decision and that’s why we have auto loans to fit most budgets and lifestyles. With our competitive rates, easy process, and selection of financing options, you can’t go wrong with an ECU auto loan.

    • Low rates
    • No application fees or pre-payment penalties
    • Up to 125% financing*
    • Defer your payments for 60 days*
    • Apply and complete your loan completely online – even on your mobile device!
    • Extended term up to 120 months*
    • GAP plans and vehicle service plans available

    *Certain restrictions apply.  Subject to approval.

    Explore Auto Loans

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    Mortgage & Home Equity Loans

    ECU offers mortgages that feel like home, with a variety of options customized for you.

    Our team of experienced professionals will be right by your side to walk you through the loan process and make the transaction as smooth as possible. You can also take comfort in knowing your mortgage never leaves our hands. From the time you apply for your ECU mortgage until the day you make your final payment, your loan remains right here with ECU.

    • Competitive rates & flexible features
    • Apply in 20 minutes or less, 24 hours a day, 7 days a week
    • Lock your interest rate online for a period of 60 days while you shop
    • Local servicing ensures your payments, questions, and day-to-day managing of your loan is handled locally by ECU
    • Low payment, low rate, and low or no down payment options available
    • Extraordinary Dividend paid on dividends earned or interest paid on mortgage loans and is based on the approval of the ECU Board and member eligibility.

    See All Mortgage Products

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    • Get Expert Advice

      Wishing you had free housing counseling advice? Speak with an expert today!

    • Mortgage Rates

      Thinking about purchasing a home? Get current mortgage rates now.

    • Apply for a Mortgage

      Completing our online application is as easy as 1-2-3. Get started today!

    • Get Pre-qualified

      Before you start shopping for a home, it's a great idea to get pre-qualified for a loan.

    Credit Cards

    ECU Visa® makes your life more manageable with credit card options that give you competitive rates and great benefits.

    • No annual or balance transfer fee
    • Free 24/7 fraud monitoring service
    • Zero Liability Fraud Protection
    • Great Rates & Flexible Terms
    • Loan Consolidations
    • Personal Lines of Credit
    • Apply 24/7 online or over the phone

    It’s so easy. Apply for your ECU Visa® credit card today!

    View Credit Cards

    For information on the terms and agreements, please view the Cardholder Agreement.

    RV & Powersports Loans

    Is it time to relax and play in style?

    Whatever your idea of outdoor fun, ECU can get you there with an RV and Powersports loan for the purchase of a new or used boat, motorcycle, ATV, jetski or camper with most of the same great features as our auto loans. With our competitive rates, easy process and selection of financing options, you can’t go wrong with a RV & Powersports Loan from ECU.

    What can I finance with an RV & Powersports Loan?

    • Boat, Motor & Trailer
    • Travel Trailer, Motor Home, 5th Wheel or Pop-up camper
    • Truck Camper
    • Motorcycle, ATV or 4 Wheeled Utility Cart
    • And more – just ask your loan officer if your item is eligible for financing.

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    Personal Loans

    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!

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    Student Loans

    ECU knows that your college education is one of the most important investments of your life.

    ECU offers a student loan that is hassle free and has no application fees. ECU’s revolving line-of-credit allows the student to set up the loan one time then make advances each semester to cover costs. Whether you are just out of high school or working on your second career, ECU is here to help with great fixed rates and interest-only payments until graduation.

    • Extended terms up to 25 Years*
    • Great, Fixed Rates
    • No fees or pre-payment penalties
    • No lengthy forms or annual renewal
    • Interest-only payments until graduation
    • Consolidations available

    *Certain restrictions apply. Subject to approval.

    FEDERAL LOAN CONSOLIDATION: Federal student loans are funded by the federal government. Private student loans are nonfederal loans, made by a lender such as a bank, Credit Union, state agency, or a school. Federal student loan programs offer various benefits and repayment options, such as income-driven repayment plans or loan forgiveness programs. If You consolidate or refinance Your federal loans with a private lender, such as ECU, You will lose benefits available to federal student loan borrowers. For more information, visit www.ed.gov.

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    Equipment Loans

    Whether you need a tractor, bulldozer or golf cart, ECU can help!

    ECU finances Equipment Loans for up to 15 years*. Used equipment may be financed up to 100% of the wholesale value in the NADA Farm Equipment Guide.

    What can I finance with an ECU Equipment Loan?

    • Tractor, Hay Baler, Combine, Rototiller
    • Backhoe, Loader, Trackhoe, Forklift, Trencher
    • Cattle & Horse Trailers
    • Cargo Trailer
    • Lawn Mower & Landscaping Equipment
    • Golf Cart
    • Box Truck, Dump Truck, Two Truck, Flatbed Truck
    • Delivery or Work Van
    • And more – ask your loan officer if your item is eligible for financing.

    *Minimum loan amount of $1,000. Certain restrictions apply. Monthly payment would be $29 per $1,000. for 36 months at 3.35% Annual Percentage Rate.

    Learn More

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