ECU Credit Union

Loan Rates

Auto Loan Rates

Age of Auto
# Monthly Payments
APR*
New Auto
Up to 84
4.50% - 6.75%
Used Auto
Up to 84
5.75% - 11.00%

Rates shown reflect lowest rates available and are subject to change at any time. Rates are based on individual's creditworthiness, amount financed and the term of the loan.

Boat, ATV, Travel Trailer & RV Loan Rates

Loan Amount
# Monthly Payments
APR*
New to 2 Yrs Old
Financing up to
95% of Value
Up to $50,000
Up to 60
7.75%
$30,000 to $50,000
Up to 84
9.00%
$50,000 & up
Up to 120
9.50%
 
 
 
3 to 4 Years Old
Financing up to
85% of Value
Up to $50,000
Up to 48
7.75%
 
 
 
5 to 7 Years Old
Financing up to
75% of Value
Up to $50,000
Up to 36
9.00%
 
 
 
8 to 10 Years Old
Financing up to
75% of Value
Up to $50,000
Up to 24
9.50%

New & Used Motorcycle Loan Rates

Financing up to 95% of MSRP/NADA Value

Loan Amount
# Monthly Payments
APR*
Up to $50,000
Up to 60
9.00%

Personal Loan Rates

Loan Amount
# Monthly Payments
APR*
Up to $1,000
Up to 12
10.65%
$1,001 to $2,000
Up to 24
12.25%
$2,001 to $10,000
Up to 36
12.75%
$2,001 to $10,000
Up to 48
13.75%

 

Special Seasonal Signature Loans

 

Loan Amount
# Monthly Payments
APR*
Vacation Loans
(Jan 1st - Dec 31st)
Up to 12
10.65%
Tax Loans
(Feb 1st - Apr 30th)
Up to 12
10.65%
Christmas Loans
(Oct 1st January 31st)
Up to 12
9.99%

 

$500 No Credit Check Signature Loans

 

Loan $500
6 Months
17.00% APR*

Share Secured Loan Rates

 
# Monthly Payments
APR*
Share Secured
Up to 36
4.00%

*All Rates are quoted as Annual Percentage Rates (APR) and are subject to change. Other terms may be available. **Please contact ECU at 727-471-1330 for current Rates and Terms. There is a $25.00 application fee for each applicant on all loan requests and a $50.00 processing fee for all vehicle secured loans.

Rates Effective October 19, 2023

Convenience at your fingertips!

Your ECU Visa® Platinum card can be used to purchase that special outfit, to take that well-earned vacation or to manage your everyday expenses, and you can earn ScoreCard® Reward points with every transaction.  Whatever your needs are, our Visa Platinum card can help you achieve your financial goals.

Woman using credit card online
  • Low 2.99% APR* Introductory Rate
  • Fixed Rate
  • No Annual Fee
  • No Cash Advance Fee
  • Accepted anywhere with Visa logo

*Qualification is based on individual creditworthiness and our underwriting standards. Rates, terms and conditions are subject to change at any time without notice.

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Membership

Our members are part owners and have a say in how the credit union is run. Stop by one of our offices or apply online and join ECU today.

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Checking Accounts

We know everyone is different and that is why we are giving you options to select th e best fit for you. Open a checking account with benefits that protect you and goes beyond just banking.

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