ECU Credit Union
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Unsecured Loans

Current Rates
Apply Online
Calculate Pmt
Print and Fax a Paper App
**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.

$500 No Credit Check Signature Loans

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

$500.00 No Credit Check Signature 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 six months with your current employer 

 

Signature Loan Rates

Personal Signature Loans
(Effective as of June 20, 2017)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)
Up to $1,000
Up to 12
13.25%
Up to $2,000
Up to 24
13.25%
$3,000 and up
Up to 36
13.25%
Special Seasonal Signature Loans
(Effective as of June 20, 2017)
Loan Amount
# Monthly Payments
Annual Percentage Rate (APR)
Vacation Loans
Up to 12
12.65%
Tax Loans
Up to 12
12.65%
Christmas Loans
Up to 12
12.65%
$500 No Credit Check Signature Loans
(Effective as of January 1, 2018)
​Loan $500
6 Months
17% (APR)
* 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. ​

Links

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About ECU
Contact Us
Rates
Privacy Notice (This link will open a PDF document)
Privacy Policy (This link will open a PDF document)​

PRODUCTS & SERVICES​


​Online Banking
Mortgages
Auto Loans
Credit Cards
Member Benefits
Retirement (IRA)

​Lending Rates are quoted as Annual Percentage Rates (APR)
​Deposit Rates are quoted as Annual Percentage Yields (APY) - Fees May Reduce The Earnings on The Account.

Membership


​Become a Member
Membership Forms
Membership FAQ
ECU Routing Number 263177725

​Phone:
1-800-382-2400

​LEGAL 


NCUA logo with link to the NCUA website
This credit union is federally insured by the National Credit Union Administration. ​​

Equal Housing Opportunity logo
​Fair Housing & Equal Credit Opportunity Act:
We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act. 


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