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Loans

 Emerald Credit Union specializes in lending money to qualified members. Because ECU is owned by our members, the terms and rates are far better than other financing options including VISA, vehicle, real estate and personal loans. Loan approvals, amounts and terms are based on credit and employment histories.


**Skip-A-Pay on Your Loan this Month!**  Emerald  now offers you the option to skip any eligible loan payment up to twice per calendar year!  Click HERE for more information, and to get your application started!

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New and Used Auto Loans
ECU offers new and used auto loans with fixed-rates and terms up to 78 months on new autos and 60 months on used autos.

Visa Credit Cards
ECU offers Platinum Visa Credit Cards exclusively for our members. Qualified borrowers enjoy generous credit limits with low interest rates. Every Visa account includes free Fraud Monitoring and free 24-hour online access with the option of free eStatements. ScoreCard Reward Points are earned with every purchase, and are an added feature of our Platinum Credit Card.

Personal Loans
Our personal loans offer low fixed rates and member-friendly terms.

Recreational Vehicle Loans
For outdoor enthusiasts, ECU offers great fixed rates and generous terms on motorcycles and other recreational vehicles.

Share Secured Loans
ECU offers loans secured by the funds you have on deposit in your share account or share certificate. This is a good option for members trying to establish credit. It also allows members with funds on deposit to borrow against them instead of withdrawing or cashing in a share certificate. You continue to earn dividends on the funds you have deposited even though they are pledged as collateral on your loan.

Home Equity Loan
ECU's Second Mortgage program allows you to get money from your home to be used for any reason - college expense, boat or car purchase, debt consolidation, home improvements or your dream vacation. You may be eligible to borrow up to 80% of your home's appraised value, less your first mortgage balance. This is a fixed rate second mortgage with terms up to 10 years. Home Equity Lines of Credit are available with low rates tied to the current Wall Street Prime Rate. There are no fees on either product when terms last beyond 36 months.

Equity Saver Advantage at ECU - Members with bi-weekly payroll deposits may split a monthly payment in half and apply the half-payment to the loan balance on the day of their deposit. The more frequent principal reductions and the two extra half-payments (26 in all) cuts interest and reduces the term on loans. This service is provided at no extra charge and can save a member hundreds of dollars over the term of a loan.

*APR=Annual Percentage Rate.  All rates subject to change without notice.






 

 
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