Personal Loan Rates

Signature Loans

Annual Percentage Rate
Rates effective December 1, 2018

Loan TypeMax TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
Budget Balancer $100 - $30,00012.50%Based on balance
Educator Credential Loan $2,500-$15,00060 months6.50%Based on balance
ECOlogical Loan $100 - $40,00084 months6.50%$14.85 per $1,000
ECOlogical Loan $15,001 - $40,000120 months6.50%$11.35 per $1,000
ECOlogical Loan $25,001 - $40,000180 months6.50%$8.71 per $1,000
EZ Loan $0 - $5,00012 months9.50%$87.68 per $1,000
EZ Loan $2,501 - $5,00024 months10.50%$46.38 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 months3.00%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 checking account.

MyCash Personal Loan Rates

For student members ages 18-24

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. Must provide proof of GPA; must be enrolled for a minimum of six units. Student Overdraft Protection Loan applies to members ages 18-24. 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 18-24. These rates are not available for refinancing existing EECU loans.

Share/Certificate Secured Loans

Annual Percentage Rate
Rates effective December 1, 2018

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