Types of Loans


New Auto Loans – We loan up to 100% of purchase price with financing up to 84 months depending on loan amounts and year of the vehicle.

Used Auto Loans – We finance the purchase of used autos or refinance an existing auto loan up to 100% of the purchase price or NADA retail value for members who qualify.


ERCU offers In-House Mortgage Loans and Secondary Market Mortgages and Refinances. See Types of Mortgages and decide what’s best for you!


Unsecured signature loans are available in amounts ranging from $500 to $7500 with approved credit.

Share Secured

Funds in your savings or certificate accounts may be used as security for a loan. Interest rates are 2% above the dividend rate you are earning on the share or certificate amount.


Loans for business account holders include real estate, new and used auto, equipment, and credit cards. Rates are subject to terms and approval. Call and speak with our business services representative for more information.


Financing is available for recreational vehicles, farm equipment, campers, and boats for up to 100% of purchase price or NADA retail value for qualified borrowers.

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Credit Cards

Credit card limits range from $500-$15,000. Interest rates range from 8.99%-15.99%. Special rates are available for active military personnel. There is no balance transfer fees, and the balance transfer rate is 4.99% for the first six billing cycles. Members also enjoy no annual fees.