Unsecured Loans
**There is a $25.00 application fee for each applicant on all loan requests.
**Other terms may be available. Rates are subject to change. Please contact ECU at (800) 382-2400 for details**

Personal Signature Loan

Known as a personal or unsecured loan guaranteed by your signature. That means you do not have to put up collateral to get the loan, but may assume a higher interest rate and tougher approval guidelines.  
The paperwork involved with signature loans are normally less complicated than with regular loans. 

Regular Signature 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 (Limit $10,000).
  • Repayment terms up to 3-years.
  • ​Payment Protection-Have the security of your loan payments being made in the case of disability or death.

Seasonal Loans

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

Seasonal Loan guidelines:
  • Repayment terms is 1-year.
  • The maximum loan amount is based on the monthly payment you can afford.  
  • ​Payment Protection-Have the security of your loan payments being made in the case of disability or death.

Signature Loan Rates

Personal Signature Loans
(Effective as of July 1, 202020)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)
Up to $1,000
Up to 12
10.65%
Up to $2,000
Up to 24
11.75%
$3,000 and up
Up to 36
11.75%
Special Seasonal Signature Loans
(Effective as of July 01, 2020)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)
Vacation Loans
Up to 12
10.65%
Tax Loans
Up to 12
10.65%
Christmas Loans
Up to 12
10.65%
* All Rates are quoted as Annual Percentage Rates (APR) and are subject to change.  Other terms may be available, Please contact ECU at 800-382-2400 for current Rates and Terms. ​