Auto Loans

Unlike "special financing" you may get from dealers, you can use your ECCU loan for almost any model auto. Plus, ECCU offers pre-approval financing which lets you determine how much you have to spend, so you may shop around as a cash buyer.

New Autos

We offer highly competitive new auto loan rates with terms up to 72 months for qualified borrowers. Plus, you can borrow up to 100% of the purchase price including the warranty.

Used Autos

Our used auto loan rates are also very competitive, with terms up to 72 months for qualified borrowers. You can borrow up to 100% of retail value on purchases. Plus, you can use the equity in your auto to pay off debts.

Auto Refinancing

If you have already purchased your vehicle, it's not too late! Refinance your existing loan from another financial institution at Educational Community Credit Union and enjoy our low, new or used auto loan rate.

Boat/RV Loans

We offer competitive rates on new and used boats and RVs with terms up to 60 months on 10 model years or newer.

Home Equity

Use your home’s equity to obtain a low-cost loan. You’ll enjoy an open-end, variable rate that adjusts quarterly, 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.

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.

Line of Credit - OOPS

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.

Educational Loans / Back-To-School

Helping members reach their educational goals has always been a priority for Educational Community Credit Union. We offer Federal Family Education Loans and other loans to aid in your pursuit of higher education. Whether you need help handling back-to-school expenses or if you’re looking to hit the books yourself, ECCU has a loan for you.

Share Secured

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

First Mortgage Loans

Whether you are purchasing a home or looking to refinance your existing mortgage we can help. All credit types are accepted with competitive financing, and terms to fit your needs. Contact the credit union for more information.

Visa Classic Credit Card

Visa Platinum Credit Card

Our card features rates as low as 9.40%APR, with no annual fee and worldwide acceptance. There are no cash advance fees; interest starts at the time you take the advance. Rates will vary depending on credit performance. You can receive a credit line up to $25,000 depending on your credit performance and income. Plus take advantage of a Bonus Rewards Program where each dollar spent is redeemable for merchandise, travel and interest rate reduction on a new non- variable rate ECCU loan. Points earned are included in the monthly statement. Travel Accident Insurance of $1,000,000 is available when using this card.

Mobile Home Loan

We offer competitive rates and 100% financing with terms up to 60 months on both new and used models.

Insurance Coverage

Credit Life Insurance

Credit Life Insurance will pay off your remaining credit union loan debt in the event of your death, thus avoiding any financial burdens for your beneficiaries. The cost is minimal and can be added into your loan payment.

Credit Disability Insurance

Credit Disability Insurance makes your credit union loan payments in the event you are unable to work. The cost is minimal and can be added into your loan payment.

Payroll Deduction

It’s the easiest and safest way to conduct your credit union business. Use payroll deduction to effortlessly repay your loan. You can choose the amount you want deducted from your paycheck and the credit union will automatically take care of the rest. Just click on online services below to fill out an application.