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Wish List Loans

A Wish List Loan is a small, short-term personal loan - Borrow $1500 for 18 months at 13.99% APR.* An active direct deposit amount of at least $110 per month into your ECU Share Savings or Checking Account for the last six (6) months is a requirement to qualify. Please note that your credit score is not used to determine the interest rate, however we do rely on the repayment trends found in your credit report.

Wish List Loans may be used for just about anything:

  • Vehicle Repairs
  • Home Improvements, Maintenance, or Repairs
  • Medical Expenses
  • Vacation and Travel Expenses
  • Holiday Expenses
  • Veterinary Expenses
  • Wedding Expenses
  • Back to School Shopping
  • And More!
It's never been a better time to borrow a little extra cash, so make your dreams come true with a Wish List Loan!

Loans FAQs



Light Bulb Financial Wellness Tip: Weekly, bi-weekly, or semi-monthly payroll deduction payments will reduce the total amount of interest paid over the life of the loan. Contact a Loan Officer to learn more.

*A sample monthly payment for a $1500 loan at a rate of 13.99% (24.997% Annual Percentage Rate) for 18 months with full payment protection is approximately $107 per month. A minimum monthly Direct Deposit amount of $110 into your ECU account must be active for at least six (6) months to qualify. Interest rate is based on 0.50% discount for automatic repayment. A $125 processing fee will be assessed and added to the amount borrowed. Only one (1) Wish List Loan per member at any time. All rates and promotions are subject to change without notice. Other restrictions may apply.

Ready to Apply?

Simply submit your application online, and we'll take it from there! A Loan Officer will contact you if any additional information is needed. You may also apply over the phone or in-person at our branch, whichever is most convenient for you.

Emerald Payment Protection

Lessen the worry of repaying your loan during a time when your income may be reduced or lost due to death, disability from an injury or illness, family leave or involuntary unemployment.  Give yourself peace of mind knowing that your loved ones won’t be left with the burden of your debt.  Emerald Payment Protection may be added to any new or existing loan. 


Your purchase of Debt 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 your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.