Personal Loans

An ECU personal loan is an unsecured signature loan that can be used for those unexpected expenses, major purchases, home improvements or special occasions.

  • Low Fixed Rates
  • Terms up to 60 Months
  • Financing up to $7,000
  • Debt Protection Available
**Skip-A-Pay 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!

Loan App

Protect Your Loan with Emerald Payment Protection*

No matter the reason for taking out a loan, it can be a financial gamble because things happen…life happens.  You’re betting you can pay back your loan and not lose your job (through no fault of your own), become disabled (due to injury or illness), take family leave, or pass away.  All of which could leave your family responsible for your loan balance.  Get the payment protection you need to lessen the worries about repaying loans during a time when your income may be reduced or lost.  Protected events include: 

Loss of life


Involuntary Unemployment

Family Leave

Calculate your estimated protected loan payment amount HERE.* 


*Your purchase of Emerald Payment Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact a loan officer for a full explanation of the terms of Emerald Payment Protection.  You may cancel protection at any time.  The Loan Calculators are intended to provide approximate information about your loan payment and do not constitute an offer to extend credit. Your actual payment information may vary.


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