Skip to main content

Some EECU members have reported receiving calls that appear to be from EECU about fraudulent account activity. Scammers spoof legitimate phone numbers in an attempt to obtain personal or account information. Do not respond. Click here to learn more.

Online Banking Login

Enroll (New User) | Forgot Login?

Resume/Check:

Membership Application | Loan Application

Share-Secured & Share Certificate-Secured Loans

A Share- or Certificate-Secured Loan differs from other types of loans because it uses the balance in your Savings Account or Share Certificate as collateral for the loan. This type of loan is beneficial if you don’t have much credit history, you’re rebuilding or repairing your credit history, or you simply prefer to use funds on deposit as collateral.

Features & Benefits
To Preserve Your Savings

Anchor: rates

Today's Loan Rates

Share-Secured & Share Certificate-Secured Loan FAQs

Find answers to frequently asked questions. Need additional information? Contact us!

You can apply by phone or at any EECU branch.

Yes, you will continue to earn interest on the certificate.

No, we will not pull credit for a Share-Secured or Share Certificate-Secured Loan.

<p>2026 Winner: The Fresno Bee BEST of Central California The People's Choice</p>
Voted:
BEST Credit Union - 20th Consecutive Year
Best Auto Loans - Gold Award
Best Home Mortgage - Gold Award

Thank you for voting for us!

What Members Say About Us

Every member has a story - see how our credit union has helped turn financial goals into reality.
I had a great experience today with excellent, professional and friendly service … the minute I walked in the door I was greeted and attended to. I’m proud to be a member of EECU!!
EECU Member
I’m so glad that whenever I go into EECU I get such wonderful customer care!!!!
EECU Member
EECU shows its excellence in providing customer service and expertise in explaining the complex world of online banking.
EECU Member
EECU is hands down the best credit union around! Thank you EECU for your hard work and dedicated service you provide your members!! We appreciate you!!
EECU Member

Financial Wellness

Helpful tips, updates, and insights to guide your financial journey.

EECU - A Wiser Way To Bank.

Get started today with the support and resources to achieve your financial goals.