Our Current Rates

We offer competitive loan rates on a variety of products. If you would like to open an account with us, you can apply online or by phone.

Vehicle Loans

Loan Product
APR* as low as
 Payment Example Per $1,000 Borrowed* Terms Available  (Months)
New Autos
(Model year 2023 or newer)
 4.85 % $18.65 60 - 84
Used Autos
(Model year 2022 or older)
 4.85 % $18.65

60 - 84
New Boats
(Current model year only)
 8.95 % $19.55

120 - 144
Used Boats 9.20 % $19.66 120 - 144
New Motorhomes/Travel Trailers
(Current model year only)
 8.95 % $19.92

120 - 144
Used Motorhomes/Travel Trailers 9.20 %
 $20.04 120 - 144
New Motorcycle, ATV, or Jet-Ski (Current model year only)
8.95 %
 $19.55 72 - 84
Used Motorcycle, ATV, or Jet-Ski 9.20 %
 $19.68 72

Personal Loans

Loan Product
APR* as low as
 Payment Example Per $1,000 Borrowed Terms Available Up To (Months)*
Signature/Personal 11.55 % $20.73 60
Unsecured Line of Credit 8.30 % N/A N/A
Lightning-Fast Home Improvement Loan 9.55 % $19.86 60
Share-Secured Loan 4.79 %
 $18.90 60

Credit Cards

Credit Card
APR* as low as
 Annual Fee Rewards Earning Rate
MasterCard Platinum 13.24 % $0 N/A
MasterCard Platinum Rewards 14.24 % $0 Up to 2X Rewards for Qualifying Purchases1
MasterCard WorldCard 15.24 % $0 Up to 3X Rewards for Qualifying Purchases1
 Rates effective as of 7/1/2025 and subject to change without notice. 
 

Home Loans

For rates on our Home Equity Loan or Mortgages, please call us at (832) 604-4848.

*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. We do business in accordance with the Equal Housing Lender.

*Loan Discounts: Members who elect VSC and Multishield will receive a rate discount (discounted at .20% each). Members who set up automatic payments are eligible for a .10% rate discount. Members who currently have an ECCU Checking Account will be eligible for a .10% discount. Maximum discount will now be .60% and a maximum term extension of 6 months. Credit Card Offer: See our Credit Card Agreement and Disclosures.(.pdf, 331 KB)

1Qualifying Purchases: Gas, groceries and restaurant purchases are considered qualifying. You will automatically earn cash back on qualifying purchases (less any credits, returns and adjustments). Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards.

NCUA: Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government agency.

*Payment Examples: Payment calculations are based on the lowest available rate (with maximum discounts) over a 60-month term.