Line of Credit Loans

Protect your checking account from overdraft by setting up an automatic line of credit
-loans may also be advanced at the credit union offices in increments of $500 at your discretion.

Specialty Loans

Periodically ECCU will offer special, lower rates on loans with certain terms and conditions as a bonus to credit union members. Ask your loan officer for more details.

Stock Secured Loans

ECCU offers members the ability to use stock certificates as collateral for a loan and receive an attractive loan rate. Acceptable stock under this category must, at the time of the loan, be listed and currently traded on the New York or American Stock Exchange, have a Standard and Poor's Corporation rating of at least "B+" and have a market price at the time of the loan of at least $25 per share.

Share Secured Loans

ECCU also offers members the ability to borrow up to 100% of the available shares in your savings account at a very competitive rate. The minimum loan amount is $500. The maximum loan term is 60 months.

CD Secured Loans

ECCU will allow members to borrow up to 100% of the Certificate of Deposit amount. The minimum loan amount is $500. The maximum loan term can not exceed the maturity date of the CD.