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Need more space at home?
Too many high-interest debts?

Apply for a Personal Loan!

Members Apply

Debt Consolidation

Debt Consolidation

Juggling payments on too many high-interest debts? Eliminate that frustration with one payment on a single low-interest loan.

House Repairs

Home Improvements

Need a viable home office or educational space for the kids? Create or recreate space in your home with a low-interest loan.

New Baby

Growing Family

Family growing? Whether it’s to help with adoption costs or add a room for the latest addition, a low interest loan may be the solution.


If you’re weighed down by high-interest debts or needing funds for an essential home improvement, an ECCU Personal Loan can help. It lets you consolidate your debts or expand your space with a fixed low interest rate. And, because the loan amount and term is set you know exactly when you’ll be out of debt. ECCU’s Personal Loan doesn’t require collateral, but if you’re rebuilding your credit or desire a lower rate, you can secure the loan with a certificate account.

  • Unsecured Personal Loans: Loan amounts from $2,500 to $30,000 and loan terms up to 60 months. Rates as low as 7.99% APR1.
  • Certificate Secured Loan: Loan amounts from $2,500 to certificate amount and loan terms up to the certificate maturity date. Rate is 2% above the dividend rate of your certificate.

Are you a Kasasa® account holder? We have rates starting as low as 6.99% APR on our unsecured personal loan for Kasasa account holders that sign up for autopay from their Kasasa Account.

Don't know what a Kasasa account is? Click here to learn more.


Personal Loan Calculator

Enter a total loan amount to estimate your monthly payment or determine your loan amount.

Your estimated monthly payment
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for a $ loan
Ready to apply for a personal loan?


ECCU Checking Account is required.

Personal loans may not be used for post-secondary educational expenses.

A $10,000 personal loan with a simple interest rate of 7.99% and a corresponding Annual Percentage Rate (APR) of 7.99% for 36 months equates to a monthly principal and interest payment of $313.32.

1Annual Percentage Rates (APR). Subject to credit approval. Rates start as low as the published rates. Your actual APR may differ based on your credit history, approved loan amount and term. Current APR listed are the rates as of July 31, 2020. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. For current rates, call Member Services 800.325.4652.

The personal loan payment calculator is provided to help you estimate your monthly payment. Results are estimates only and are not guaranteed. The terms and conditions offered by ECCU will differ and may affect the results of the calculator. If you have specific questions regarding your financial situation, please contact your financial advisor.

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