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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.

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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
Rates as low as 8.90%


as low as $20.71
Personal Loan

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5 Years


Rates as low as 3.95%


as low as $17.95 Other Secured Loan

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5 Years
19.90% $37.46 Credit Rebuilder Loan ($2,000 max.) 1-3 Years
3.06% $18.00 Share Savings Secured  5 Years
3% over Share Certificate rate Share Certificate Secured

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Certificate term
19.90% $37.46 Fresh Start ($1,000 max.) 6 Mo.
19.90% $176.37 Rapid Relief 6 Mo.
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

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.

More 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:

A10-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 open your new account, please visit any Educators Credit Union branch with the following materials:

  • Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN)
  • A current U.S. government-issued photo ID (e.g., driver’s license, U.S. passport, state or military ID) with current address
  • Valid proof of address if it is different than your ID (e.g., statement from another financial, utility bill, etc.)
  • A $5 minimum deposit that represents your ownership share of the credit union (Prime Share Savings)
  • If you are under the age of 18, you will need a State-issued ID, passport or a current school ID with address verification from a parent or guardian

You can also open an account online.

If you are not an Educators member or if the primary member cannot sign on a loan, you may be required to establish a new account. Educators Credit Union membership is open to anyone who works or lives in our 11-county service area.

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