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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**
**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:
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:
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:
$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)
(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)
(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)
(Effective as of January 1, 2018)
Loan $500 |
6 Months |
15% (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.
