Personal Loans

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When you need a loan, call or visit us and one of our friendly representatives will help you select the loan that's right for you.

Classroom Supplies Loan

If you’re a teacher, our no-interest loan can help make purchasing supplies for your classroom a little easier on your budget!

  • Borrow from $250 - $1,000
  • 0% APR
  • Finance up to 10 months
  • Must be a teacher and have direct deposit into an EECU account

ECOlogical Loan

ECOlogical loan as low as 7.50% APR.  Borrow up to $60,000. No equity, property lean or appraisal required.

An Energy Smart lifestyle begins with an ECOlogical Loan! If you're looking to purchase energy smart products and services, this is the loan for you.

  • Borrow from $100 to $60,000
  • Low, competitive interest rate
  • No application fee

Eligible Products

  • Install solar panels to convert sunshine to electricity
  • Seal energy leaks and add insulation
  • Replace old windows, doors, skylights, furnaces, air conditioners, heat pumps and attic fans with energy-efficient/Energy Star products
  • Purchase energy-efficient/Energy Star appliances - refrigerator, freezer, washer/dryer, dishwasher, stove, oven, and microwave
  • Install a solar water system for your pool or spa
  • Increase energy efficiency with a fireplace insert
  • Install drought-tolerant/synthetic lawns
  • Purchase rubber mulch/bark
  • Install a recirculating hot water pump
  • Install rain gutters and rainwater harvesting products (e.g. rain barrels)
  • Purchase a sump pump
  • Add drip irrigation and irrigation controls
  • Purchase a swimming pool cover
  • Purchase an instant water heater
  • Upgrade landscape to drought tolerant/xeriscape
  • Tree trimming
  • Install a grey water reuse system
  • Replace pipes, drains, and fences
  • Install a deck
  • Remove turf
  • Purchase high efficiency toilets

Products and services purchased with the ECOlogical Loan proceeds must meet EECU Energy Efficiency Standards. No home equity, property lien or appraisal required.

Educator Credential Loan

This loan is for educators who are enrolled in completing a credentialing program, are currently employed with a school district, and are enrolled in an accredited credential program.

Overdraft Protection Loan / Student Overdraft Protection Loan

Perfect for when your Checking account is running "a little short." If there isn't enough money in your account to cover an item presented for payment, we'll automatically transfer money from your Overdraft Protection Loan to your Checking account. Overdraft protection is not available on the Right Start Checking account.

Technology Loan / MyCash Technology Loan

Keeping up with the latest technology can get expensive. It's a good thing EECU offers such a great rate on technology purchases! Finance computers, tablets, printers, cell phones, home theaters and more.

  • Borrow from $500 to $7,500
    • Up to $1,000 for MyCash Technology Loan
  • Low interest rate
    • As low as 3% APR for MyCash Technology Loan
  • 100% financing
  • Discounts on select Dell computer purchases

E-Z Loan

As the name implies, this loan makes it easy on you to borrow the cash you need for virtually any reason!

Budget Balancer Loan

Also known as a bill consolidation loan, we'll help you get your budget in balance by consolidating your bills into one loan.

  • Borrow from $100 to $30,000
  • Consolidate payments
  • Competitive interest rate

Signature Line of Credit

This line of credit works like a credit card, except you don't need to carry or use a plastic card.

Share-Secured Loan

This loan is perfect for people who want to establish credit. Because the loan is secured by your share deposits it requires little or no additional qualifications.

Personal Loan Rates

Annual Percentage Rate
Rates effective June 1, 2024

rates_personal_signature table
Loan TypeMax TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
Budget Balancer $100 - $30,00012.50%Based on balance
Classroom Supplies Loan $250 - $1,0000.00%Based on balance
ECOlogical Loan $100 - $60,00084 months7.50%$15.34 per $1,000
ECOlogical Loan $15,001 - $60,000120 months7.50%$11.87 per $1,000
ECOlogical Loan $25,001 - $60,000180 months7.50%$9.27 per $1,000
Educator Credential Loan $2,500-$15,00060 months7.50%Based on balance
E-Z Loan $100 - $20,00012 months7.50%$86.76 per $1,000
E-Z Loan $2,500 - $20,00024 months7.50%$45.00 per $1,000
E-Z Loan $7,500 - $20,00036 months7.50%$31.11 per $1,000
Overdraft Protection $100 - $5,00010.00%Based on balance
Signature Line of Credit $100 - $30,00012.00%Based on balance
Technology Loan $500 to $7,50060 months7.00%Based on balance

"From" rate on Budget Balancer, E-Z Loan, Educator Credential Loan, and ECOlogical Loan includes a .50% discount for automatic payment from EECU checking account.

For student members ages 18 and older

rates_personal_mycash_loan table
Loan TypeAPR
Student Overdraft Protection Loan up to $1,000
GPA less than 2.4915.00%
GPA 2.50 - 2.9914.00%
GPA 3.00 - 3.4912.00%
GPA 3.50 or higher10.00%
MyCash Technology Loan $500 to $1,0003.00%

Student Overdraft Protection Loan rate shown are based on student GPA. Maximum loan amount $1,000. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old. These rates are not available for refinancing existing EECU loans.

MyCash Technology Loan rate shown includes a 1.00% discount for required automatic payment. Minimum loan amount $500; maximum loan amount $1,000. MyCash Technology Loan applies to members ages 18 and older. These rates are not available for refinancing existing EECU loans.

rates_personal_share_cert_secured_loans table
Loan TypeAPR
Share Secured4.00% above rate paid on savings
Share Certificate Secured3.00% above rate paid on Share Certificate
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