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From consolidating high-interest debt to funding major projects, our lending options help you move forward with structure and confidence.
HOME EQUITY LOANS
Access Your Home’s Equity with a Fixed-Rate Loan
Home Equity Loan Rates as low as
7.05% APR*
A Home Equity Loan allows homeowners to borrow against the value they’ve built in their property. With competitive fixed rates and predictable monthly payments, it’s ideal for structured financing needs.
Homeowners use home equity loans to:
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Fund renovations and home improvements
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Consolidate high-interest credit card or personal loan balances
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Cover tuition or major expenses
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Strengthen overall financial structure
By leveraging your home equity, you can secure financing designed for long-term stability.
AUTO LOANS
Refinance or Finance Your Auto Loan with Confidence
Auto Loan Rates as low as
4.25% APR*
An ECCU Auto Loan can help you secure a competitive rate, lower your monthly payment, or restructure your current financing. Whether you're purchasing a vehicle or refinancing an existing auto loan, fixed terms and flexible options give you greater control over your cash flow.
Members choose ECCU Auto Loans to:
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Refinance for a better interest rate
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Lower monthly auto loan payments
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Improve loan terms
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Take advantage of 90 days before the first payment (if applicable to campaign)
If your current auto loan no longer fits your financial goals, refinancing could be a smart next step.
No Commitment, Just Clarity
Checking your estimated payment or available equity won’t impact your credit.
It’s simply a smarter way to explore your options before making a decision.
WHY ECCU LOANS ?
Fixed Rates. Structured Terms. Smarter Financing.
Whether refinancing an auto loan or borrowing against home equity, ECCU provides:
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Competitive fixed interest rates
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Predictable monthly payments
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Clear terms and transparent process
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Local support and personalized guidance
Our goal is simple: help you improve your financial structure, not complicate it.
FAQ
IS THIS RIGHT FOR YOU?
This May Make Sense If:
✔ You’re paying a higher interest rate than current market options
✔ You want to simplify multiple balances
✔ You’re planning a renovation or large expense
✔ You want more structured monthly payments
If any of these sound familiar, it’s worth exploring your options.
Check Your Home Equity Loan Options
Why Members Start with the Calculator
✔ Quick estimate in minutes
✔ No paperwork required to preview
✔ Helps you compare your current loan
✔ See potential savings before applying
MEMBER STORIES
Debt Consolidation, Personal Loans, and Home Equity: Your Complete Guide on the ECCU Blog
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Ready to Take the Next Step?
Refinance your auto loan
Access your home’s equity
Apply online in minutes
Access your home’s equity
Apply online in minutes
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APR* : Annual Percentage Rates. Rates are subject to change without notice. APR is accurate as of the last declaration date. Not an offer to lend. Subject to credit and underwriting guidelines. Lowest rate of 4.75% APR for up to 36 months is $29.90 per $1,000 borrowed. Actual rate and term may vary based on credit qualifications and other factors. We do business in accordance with the Equal Housing Lender.
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*Rate Discounts: Rate discounts are available when members choose certain products and services. Eligible discounts include: 0.25% for Vehicle Service Contract (VSC); 0.25% for Omni Protect; 0.15% for automatic payments or an ECCU checking account; 0.25% for Credit Protection; and 0.10% for GAP coverage. Discounts may be combined up to a maximum total of 1.00%. Maximum term extension is 9 months.
