Loan Types

Vehicle Loans - Refinances

If you currently have an auto loan with another financial institution, now is the time to refinance your loan with ESCU. Come see us and bring in your current statement. In most cases we can lower your current interest rate... That means lower payments to you! Call the credit union to find out more!*For qualified applicants, call the credit union for details.

Vehicle Loans - Purchases

Whether you are buying a new or used vehicle, we can help. Terms up to seven years are available, depending on the age of the vehicle. Rates and eligibility requirements are based upon your credit report. Use our Loan Calculator to determine your loan amount  or payment option that is best for you.

Also, ESCU offers you discount pricing on CARFAX reports (normally priced at $34.95):

$19.95 for ESCU members

$29.95 for non-members.

Don't buy that next used car without knowing all you can about its history!  Contact any ESCU loan officer to inquire about obtaining your CARFAX report.

 

 

Credit Cards: Visa Platinum, Gold and Classic

Do  you want a credit card with a low fixed rate?  Then you have come to the right place! We have a card to fit your needs. With no annual fee and low rates, our cards beat the competition hands down!  The Platinum card is a rewards card, earning you points that you can spend at your convenience. Our Visa Gold features a low 9.99% APR ifixed rate. Visa Classic cardholders enjoy a 13.96% APR fixed rate.  Are you interested? Call Us Today!

Please click here to see more details regarding ESCU's VISA credit card products.

Online Account Access

Get Added Safety When You Shop Online!

 

The Platinum card is a rewards card, earning you points that you can spend at your convenience. Click here and see what your Visa Platinum points can buy.

Signature Loans

If you have no collateral to offer, ESCU can assist you in obtaining an unsecured loan. Our 60 month loan term can help most members consolidate debt and lower their monthly payments.

Rates, eligibility and maximum loan amount are based upon your credit report, and income. Use our Loan Calculator to determine  loan amounts and payment options that are best for you.

Credit Life and Credit Disability payment protection is offered for a nominal fee to secure a loan in the unlikely event something happens to your health.

Share Secured Loans

If you have money in either a Share Account or a Certificate of Deposit you may pledge the amount you desire to borrow and receive a much lower rate than the rate on our Signature Loans. Since your loan is 100% secured you decide the term of the loan and the amount you desire to repay each month. Use our Loan Calculator to determine the loan financing amount and payment options that are best for you.

Home Loans: Purchase/Refinance

Whether you are buying a 20-acre farm, or a house in a subdivision, if you need a mortgage loan, then the credit union is the answer to your financing needs!

Home Loans can be used to purchase a new home, or refinance an existing loan. We may be able to reduce your monthly payments. The credit union offers a full range of fixed rate and variable rate conventional loan products. Many times, our closing costs are less than our competitors. Our experienced loan officers can assist you in determining the best loan for you. Use our Loan Calculator to determine the loan financing amount and payment options that are best for you. Rates do vary daily, so give our loan officers a call for the most recent rate quote.

Credit Life and Credit Disability payment protection is available for a nominal fee to secure a loan in the unlikely event something happens to your health.

Home Equity and Second Deeds of Trust Loans:

Are you ready to make those home improvements that you've been putting off? Or perhaps you are ready for that needed vacation? Call today to find out about our Home Equity Lines of Credit and our Second Mortgage loans.

Use our Loan Calculator to determine the loan financing amount and payment options that are best for you.

Education Loans

Educational loans are designed to assist ESCU members and/or their families. It is not a government guaranteed loan, and it will be made on the merits of the member. Funds may be disbursed for tuition, board and textbooks only. Registration and receipts will be required if funds are not disbursed directly to the school.

1. The applicant must meet all loan requirements.
2. All educational loans are subject to approval by the Loan Officer.
3. The annual amount will not exceed $5,000 per student, and the maximum loan balance will not exceed $25,000, nor will the loan exceed sixty (60) months.
4. A copy of the student's registration form is to be provided to the Credit Union verifying that the student is attending classes in an accredited institution for each semester attended.