ECU Credit Union

Personal Loans

With a personal loan, you do not have to put up collateral to get the loan, but you may assume a higher interest rate and tougher approval guidelines. The paperwork involved with personal loans is normally less complicated than with regular loans.

Regular Personal Loan guidelines:

  • Borrow up to $300.00 after 90 days of employment.
  • Borrow up to 10% of your gross salary after one year of employment (Up to $10,000).
  • Repayment terms up to 3-years available.
  • Payment Protection - Have the security of your loan payments consistently designated in the case of disability or death.

Seasonal Loans

Also known as Specialty Personal loans to assist our members with celebrating life events such as vacation expenses, holiday expenses, or paying taxes.

Seasonal Loan guidelines:

  • One-year repayment term.
  • The maximum loan amount is based on the monthly payment you can afford.
  • Payment Protection - Have the security of your loan payments consistently designated in the case of disability or death.

$500 No Credit Check Personal Loans

Designed for individuals who wish to have a short-term loan without their credit report being pulled.

$500.00 No Credit Check Personal Loan guidelines:

  • Borrow $500.00
  • The term is six months
  • You must have at least $50.00 bi-weekly automatically deposited into your ECU account
  • Your payments will be auto deducted from your ECU direct deposit
  • Must be employed at least one year with your current employer

Share Secured Loans

Borrow from yourself and save!

Use your regular share account or share certificate as collateral and borrow up to the amount in your account. You will continue to earn dividends on your savings as you pay down your loan.

It's easy - no credit report or income verification is required. Apply online, call, or stop by any ECU Credit Union location for a share secured loan today.

How Much Can You Afford?

Personal Loan Rates

Loan Amount
# Monthly Payments
Up to $1,000
Up to 12
$1,001 to $2,000
Up to 24
$2,001 to $10,000
Up to 36
$2,001 to $10,000
Up to 48


Special Seasonal Signature Loans


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


$500 No Credit Check Signature Loans


Loan $500
6 Months
17.00% APR*

Share Secured Loan Rates

# Monthly Payments
Share Secured
Up to 36

*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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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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