Unsecured Loans

Signature Loan

• This personal loan is secured by your promise to repay the loan. The loan can be used for whatever purpose you have a need for such as: vacation, education, home improvement, taxes or medical purposes. The amount and rate are determined by your length of employment and credit score. After the loan is established, add-ons can be done over the phone, if your loan is current and you have a good paying record. 

12/12/12 Loan

• For first time borrowers without established credit history. Members may borrow up to $1,200 for 12 months at a 12% interest rate without a co-signer to help establish their credit. If there is too little credit, the same loan can be offered, but the stated beacon will run the rate as usual. Debt-to-income ratios will be used to qualify the loan also.

"Any Time " Loan

• If you are looking for a short term loan with a low interest rate, this is for you. Borrow up to $2500 for 12 months at 7.50%. This loan can be renewed when 10% of the borrowed balance is paid down.

OverDraft Protection

• This loan works in conjunction with your Ecusta Credit Union checking account. This line of credit loan is approved for a present amount in advance. When funds are needed to cover items in excess of your checking account balance, funds are transferred from your overdraft loan. The items are paid and a notice is mailed to you. Your overdraft loan can be paid off immediately or with monthly payments not to exceed $50 a month.   

                                           * Loans have up to $30,000 FREE life insurance.