Types of Loans
vehicle refinances 
vehicle purchases
credit cards
signature
share secured
home loans
education
Vehicle Loans - Refinances
If you currently have an auto loan with another financial institution, now is the time to refinance with ESCU. Come in and 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, or you have decided to pay off your existing loan from another financial institution with a loan from the credit union, we can help. Terms are up to seven years are available; depending on the age of the vehicle. Rates and eligibility are based upon your credit report. Use our Loan Calculator to determine the loan financing amount and payment options that are best for you.Is your car financed with another financial institution? Let ESCU refinance your car. Call any loan officer for details!
Credit Cards: Visa Platinum, Gold and Classic
We have a card to fit your needs. With no annual fee and low rates, our cards beat the competition hands down! Our new Visa Platinum offers a 6 month special introductory rate of 7.99%, then a low fixed rate of 9.99%. The Platinum card is also a rewards card, earning you points that you can spend at your convenience. Our Visa Gold features a low 11.99% fixed rate. Visa Classic cardholders enjoy a 13.96% fixed rate. Are you interested? Call Us Today!
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Signature Loans
If a member has no collateral to offer, ESCU can assist a member in obtaining an unsecured loan. Our 60 month loan term can help most members consolidate debt and lower monthly payments.Rates, eligibility and maximum loan amount are based upon your credit report, and income. Use our Loan Calculator to determine the loan financing amount 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 the member.
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 through CUNA Mutual Mortgage. 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 a 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 the member.
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.- The applicant must meet all loan requirements.
- All educational loans are subject to approval by the Loan Officer.
- 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.
- 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.