PERSONAL LOAN RATES
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ECOLOGICAL LOAN
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When you need a loan, call or visit us and one of our friendly representatives will help you select the loan that's right for you.
Préstamo para útiles escolares
Si eres empleado escolar, nuestro préstamo sin intereses puede facilitar un poco la compra de materiales y/o otros equipos escolares para tu presupuesto.
- Borrow from $250 - $1,000
- 0% APR
- Finance up to 10 months
- Must be a school employee and have direct deposit into an EECU account
ECOlogical Loan
An Energy Smart lifestyle begins with an ECOlogical Loan! If you're looking to purchase energy smart products and services, this is the loan for you.
- Pide prestado entre 100 y 60,000 dólares
- Low, competitive interest rate
- No application fee
Eligible Products
- Install solar panels to convert sunshine to electricity
- Seal energy leaks and add insulation
- Replace old windows, doors, skylights, furnaces, air conditioners, heat pumps and attic fans with energy-efficient/Energy Star products
- Purchase energy-efficient/Energy Star appliances - refrigerator, freezer, washer/dryer, dishwasher, stove, oven, and microwave
- Install a solar water system for your pool or spa
- Increase energy efficiency with a fireplace insert
- Install drought-tolerant/synthetic lawns
- Purchase rubber mulch/bark
- Install a recirculating hot water pump
- Install rain gutters and rainwater harvesting products (e.g. rain barrels)
- Purchase a sump pump
- Add drip irrigation and irrigation controls
- Purchase a swimming pool cover
- Purchase an instant water heater
- Upgrade landscape to drought tolerant/xeriscape
- Tree trimming
- Install a grey water reuse system
- Replace pipes, drains, and fences
- Install a deck
- Remove turf
- Purchase high efficiency toilets
Products and services purchased with the ECOlogical Loan proceeds must meet EECU Energy Efficiency Standards. No home equity, property lien or appraisal required.
Préstamo para acreditación académica
This loan is for educators who are enrolled in completing a credentialing program, are currently employed with a school district, and are enrolled in an accredited credential program.
- Borrow between $2,500 - $15,000
- Low, competitive interest rate
Overdraft Protection Loan / Student Overdraft Protection Loan
Perfect for when your Checking account is running "a little short." If there isn't enough money in your account to cover an item presented for payment, we'll automatically transfer money from your Overdraft Protection Loan to your Checking account. Overdraft protection is not available on the Right Start Checking account.
- Loan amounts from $100 to $5,000
- Up to $1,000 for Student Overdraft Protection Loan
- Access the money at any EECU ATM, Personal Telephone Access, Online Banking, or by contacting us
- No fee per transfer
- Competitive interest rate
- Student Overdraft Protection Loan rates based on GPA
Préstamo para tecnología / Préstamo para tecnología MyCash
Keeping up with the latest technology can get expensive. It's a good thing EECU offers such a great rate on technology purchases! Finance computers, tablets, printers, cell phones, home theaters and more.
- Pide prestado entre 500 y 7,500 dólares
- Up to $1,000 for MyCash Technology Loan
- Low interest rate
- As low as 3% APR for MyCash Technology Loan
- 100% financing
- Descuentos en compras seleccionadas de ordenadores Dell
Préstamo E-Z
As the name implies, this loan makes it easy on you to borrow the cash you need for virtually any reason!
- Borrow up to $20,000
- Low interest rate
Préstamo Budget Balancer
Also known as a bill consolidation loan, we'll help you get your budget in balance by consolidating your bills into one loan.
- Pide prestado entre 100 y 30,000 dólares
- Consolidate payments
- Competitive interest rate
Línea de crédito Signature
This line of credit works like a credit card, except you don't need to carry or use a plastic card.
- Instant access to your money
- Competitive interest rate
- Take an advance up to your approved credit limit whenever you need it
- Access the money at any EECU ATM, Personal Telephone Access, Online Banking, or by contacting us
Share-Secured Loan
This loan is perfect for people who want to establish credit. Because the loan is secured by your share deposits it requires little or no additional qualifications.
- Low interest rate
- Affordable payments
Personal Loan Rates
Tasa de porcentaje anual
Rates effective April 1, 2026
| Tipo de préstamo | Plazo máximo | APR As Low As | Estimated Monthly Payment based on 'As low As' Rate |
|---|---|---|---|
| Budget Balancer $100 - $30,000 | 12.50% | Basado en el saldo | |
| Classroom Supplies Loan $250 - $1,000 | 0.00% | Basado en el saldo | |
| ECOlogical Loan $100 - $60,000 | 84 meses | 7.50% | $15.34 por cada $1,000 |
| ECOlogical Loan $15,001 - $60,000 | 120 meses | 7.50% | $11.87 por cada $1,000 |
| ECOlogical Loan $25,001 - $60,000 | 180 meses | 7.50% | $9.27 por cada $1,000 |
| Educator Credential Loan $2,500-$15,000 | 60 meses | 7.50% | Basado en el saldo |
| E-Z Loan $100 - $20,000 | 12 meses | 7.50% | $86.76 por cada $1,000 |
| E-Z Loan $2,500 - $20,000 | 24 meses | 7.50% | $45.00 por cada $1,000 |
| E-Z Loan $7,500 - $20,000 | 36 meses | 7.50% | $31.11 por cada $1,000 |
| Overdraft Protection $100 - $5,000 | 10.00% | Basado en el saldo | |
| Signature Line of Credit $100 - $30,000 | 12.00% | Basado en el saldo | |
| Technology Loan $500 to $7,500 | 60 meses | 7.00% | Basado en el saldo |
"From" rate on Budget Balancer, E-Z Loan, Educator Credential Loan, and ECOlogical Loan includes a .50% discount for automatic payment from EECU checking account.
| Tipo de préstamo | APR |
|---|---|
| Student Overdraft Protection Loan up to $1,000 | |
| GPA less than 2.49 | 15.00% |
| GPA 2.50 - 2.99 | 14.00% |
| GPA 3.00 - 3.49 | 12.00% |
| GPA 3.50 o superior | 10.00% |
| MyCash Technology Loan $500 to $1,000 | 3.00% |
La tasa de protección contra descubiertos estudiantiles mostrada se basa en el GPA estudiantil. Importe máximo del préstamo: $1,000. El estudiante debe tener 18 años o más, estar matriculado en un mínimo de seis (6) unidades y proporcionar un expediente académico o un certificado de calificaciones con una antigüedad máxima de seis meses. Estas tasas no están disponibles para refinanciar préstamos de EECU existentes.
MyCash Technology Loan rate shown includes a 1.00% discount for required automatic payment. Cantidad mínima del préstamo: $500; cantidad máxima del préstamo: $1,000. El préstamo para tecnología MyCash se aplica a miembros de 18 años o más. Estas tasas no están disponibles para refinanciar préstamos de EECU existentes.
| Tipo de préstamo | APR |
|---|---|
| Acción asegurada | 4.00% above rate paid on savings |
| Certificado de acciones garantizado | 3,00% por encima del tipo pagado en el certificado de acciones |
