Loans for a Life in Motion

Whether you’re looking for a loan to restore your checking balance, to help rebuild your credit, or another reason, we can help find the right loan for you.

Apply for select loans here
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Other Loans

We can help you determine the loan type that will fit your budget and help you meet your goals.

APR1 as low as Pmt Per $1000 Purpose Maximum Term
3.06% $18.00 Share Savings Secured 5 Years
3% over Share Certificate rate Share Certificate Secured

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Certificate term
as low as 3-month LIBOR +1.24% as low as $5.17 LendKey Consolidation Loan 20 Years
as low as 3 month LIBOR +3.39% as low as $7.59  LendKey In-School Loan  15 Years
Rates as low as 3.45% as low as $17.95 Other Secured Loan

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5 Years
Rates as low as 8.90% as low as $20.71 Personal Loan

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5 Years
19.90% $37.46 Credit Rebuilder Loan ($2,000 max.) 1-3 Years
19.90% $37.46 Fresh Start ($1,000 max.) 6 Mo.
19.90% $176.37 Rapid Relief 6 Mo.

1APR = Annual Percentage Rate. Share Secured Savings Rate is 3% above the current Savings Rate.

Rates and terms are subject to change and not guaranteed.

More Detailed Information

Fresh Start Loan

Need help with your negative checking account balance? We understand that everyone falls on hard times sometimes, which is why we offer a special Fresh Start Loan to cover the negative balance in your checking account for up to $1,000, for up to six months.

Your checking account can remain open with a Fresh Start Loan established, as long as you have direct deposit of your paycheck. Overdraft Privilege (ODP) is removed when a Fresh Start Loan is established. Once the balance is paid in full and after 90 days, you can request the checking account and/or ODP be reinstated on your account.

Specific payment and balance obligations are required to keep your accounts open and to retain your credit union privileges.

Credit Rebuilder Loan

If collections or past due debt have prevented you from obtaining a loan, Educators Credit Union’s Credit Rebuilder Loan can help. It’s not just a loan, but a program that gets you back on the right track toward meeting your long-term goals.

We start by looking at your credit score, then we find the root of your debt and show you the right ways to rebuild your credit so you can prosper in the future.

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