Personal Loans

Together, let's find the right loan for you.

A young couple kayaks and smiles

For members looking for the right loan.

Whether you’re looking for a loan to consolidate debt, rebuild credit or another reason, we can help you determine the loan type that will fit your budget and help you meet your goals.

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  • APR1

    APR1

  • Pmt Per $1,000

    Pmt Per $1,000

  • Maximum Term

    Maximum Term

Personal Loan

  • APR1

    Rates as low as 8.90%

  • Pmt Per $1,000

    As low as $20.71

  • Maximum Term

    5 Years

Boat and RV (Other Secured Loan)

  • APR1

    Rates as low as 3.95%

  • Pmt Per $1,000

    As low as $17.95

  • Maximum Term

    5 Years

Other Secured Loan

  • APR1

    Rates as low as 3.95%

  • Pmt Per $1,000

    As low as $17.95

  • Maximum Term

    5 Years

Share Savings Secured2

  • APR1

    3.06%

  • Pmt Per $1,000

    $18.00

  • Maximum Term

    5 Years

Share Certificate Secured

  • APR1

    3% Over Share Certificate Rate

  • Pmt Per $1,000

    N/A

  • Maximum Term

    Certificate Term

For members wanting to gain control over their personal finances.

Credit Rebuilder loans are used to pay-off collections, judgments, or past due accounts on your credit report.

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  • APR1

    APR1

  • Pmt Per $1,000

    Pmt Per $1,000

  • Maximum Term

    Maximum Term

Credit Rebuilder Loan ($2,000 max.)

  • APR1

    19.90%

  • Pmt Per $1,000

    $37.10

  • Maximum Term

    1-3 Years

Find the right loan amount.

Tools to help you find the loan amount that’s right for you.

Calculate your payments

Calculate your earnings with a Share Certificate Secured

More Detailed Information

If you are using your new Educators personal loan for consolidation purposes, we will need the following:

Information required if paying off a credit card:

Your most recent statement with the following information:

  • Creditor name
  • Account number
  • Balance/payoff amount
  • Address of where to mail the payoff check

Information required if paying off an INSTALLMENT LOAN:

A 10-day payoff letter with the following information:

  • Name of the financial
  • Account number
  • 10-day payoff amount
  • Per diem (One day’s worth of interest)
  • Address of where to mail the payoff check

To verify your income, please provide us with one month worth of your most recent pay stubs from your current employer. This can be:

  • Two pay stubs if you are paid bi-weekly.
  • Four official pay stubs if you are paid weekly.
  • One pay stub if you are paid monthly.

If you are self-employed, please provide us with your two most recent annual tax documents.

If you have rental income, please provide us with your two most recent annual tax documents.

Additional documents may be required.

To join through Educators Video Banking  you will need:

  • Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
  • A digital photo of your current, unexpired state-issued driver’s license, state-issued ID or passport with your current address.
  • Proof of address is needed if it’s different than the address listed on your ID. Proof of address can be on a statement from another financial, utility bill, government document, etc.
  • A $5 minimum deposit to open your Prime Share Savings, and/or a $20 minimum deposit to open your checking account.

If one of these situations apply to you, please visit any Educators Credit Union branch to apply for membership:

  • You are under the age of 18.
  • You are opening a fiduciary account. (Fiduciary accounts include trust accounts, custodial accounts, guardianship accounts, representative payee accounts, funeral trust accounts, estate accounts and Coverdell Educational Savings (ESA) Accounts.)
  • You want to open a business account.
  • When verification/proof of address is requested, please provide one of the following to your loan officer: recent paystub, recent tax documents, recent utility bill, valid driver’s license, or mortgage documents.
  • When verification/proof of social security number is requested, please provide one of the following to your loan officer: valid social security card, recent tax documents, recent W2, or recent paystub.

Rebuild, restore or meet your goals

With a personal loan

Apply for a loan

Get the personal loan that meets your needs

Text a loan officer.
Apply for an Educators personal loan using our online application.
APPLY TODAY

Disclosures

1APR = Annual Percentage Rate.

2Share Secured Savings Rate is 3% above the current Savings Rate.

Rates and terms are subject to change and not guaranteed.