Energy Capital Credit Union

Jump to Top Navigation Jump to Main Navigation Jump to Online Banking Jump to Featured Content Jump to Content Jump to Footer

Online Banking Access

More OptionsFewer Options

Forgotten Username | Password Help
Online Banking Registration

Click to Experience the ECCU Difference

Apply for a Loan

Please choose one.

ATM & Branch Locator

You may also be interested in:

Personal Loans

Personal Loan

  • Fixed-rate, fixed-term
  • No annual fee
  • Secure, easy digital loan document delivery

 

Learn More

Whatever you need the cash for, we make it simple.

Sometimes you need a little extra money. This loan can be used for anything you like. From buying a new computer to taking that dream vacation. It’s completely up to you.

Must be 18 years old to apply for any of the loan types on this page.

 

Personal Line of Credit

  • Fixed rate
  • Fast, easy online application
  • Secure, easy digital loan document delivery
  • Often used for overdraft protection

 

Learn More

Don’t get caught in a financial jam. Money when you need it.

With a line of credit, you can write yourself a loan at anytime, anywhere simple by writing a check. Get pre-approved and you can access the money at any time via your checking account.

Must be 18 years old to apply for any of the loan types on this page.

 

Lightning Fast Loan

  • Fixed-rate, fixed-term
  • No early pre-payment penalty
  • Zero closing costs
  • Terms up to 60 months
  • Secure, easy digital loan document delivery

Learn More

Need cash fast? This loan is for you. 

Want to make some improvements to your home? Need to pay for college tuition? Ready to go on an exotic vacation? This loan can be used for most anything and it doesn't require all the usual red tape. 

See Current Rates
Apply Online

Must be a homeowner to qualify. Loan must be from $5,000 - $20,000. 

Must be 18 years old to apply for any of the loan types on this page.

Credit Rebuilder Loan

  • Fixed-rate, fixed-term
  • Term from 12 months - 60 months
  • Minimum loan amount of $500
  • Pledge can only be secured on a Savings account

Learn More

Our Credit Rebuilder Loans assist members who may be looking to repair or "rebuild" their credit. This loan allows a member to take out a loan and ultimately "pay themselves back" by making monthly payments towards the loan. If monthly payments are made on time each month for the duration of the loan term, it creates a positive trade line to report on the members' credit history and doubles as a savings plan for the member. 

Upon funding of the loan, all proceeds are deposited into the members' savings account where they are pledged for collateral. Once the loan is paid in full, the pledge is removed and funds become available to withdraw. 

Proceeds are not received until the loan is paid in full. 

 

Stock Secured Loan

  • Single payment loan terms available
  • Fast, easy online application
  • Secure, easy digital loan document delivery

 

Learn More

Need cash? Take stock in this offer.

You can use your stock to secure and back your loan for a term up to 12 months. You will not have access to the stock that secures the loan until the loan is paid in full. 75% of FMV and stock must be traded on the NYSE, NASDAQ or American Stock Exchange.

Must be 18 years old to apply for any of the loan types on this page.

 

 

Certificate Account or Share Secured Loan

  • Fixed-rate, fixed-term loan secured by your share certificate
  • Fast, easy online application
  • Secure, easy digital loan document delivery

Learn More

Let your share certificate account work harder for you.

With this loan, you use your certificate or share account as collateral to back your loan. You must be 18 years of age to apply for this loan and you will not have access to the share account or certificate account until the loan is paid in full.

Must be 18 years old to apply for any of the loan types on this page.