Loans & Credit Cards
Exciting news! To jump on board with any of our fantastic loan products, just give us a call during business hours and chat with one of our friendly loan officers. Or, for your convenience you can apply online through your Digital or Mobile Banking account! Plus, you can even sign your loan documents online without the hassle of visiting branch! Let's get started today!
Auto/RV Loans
Looking to snag a fantastic deal on a new or used vehicle? You're in luck! EFCU is here help you drive home with some of the most competitive auto loan rates in Colorado. Plus, we’ve got you covered for all your adventure needs with for ATVs, UTVs, and motorcycles! Let's get you on the road!
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Overdraft/LOC
An overdraft line of credit is like having a financial safety net right in your checking account! If you ever find yourself short on funds, this line of credit swoops in to cover your expenses, ensuring you never have to worry about bouncing checks, missing payments, or facing a denied debit card. It's peace of at your fingertips!
Credit Builder Loans
Excited about building your credit with our credit builder loan! This amazing opportunity allows you to borrow money while it sits safely in your savings account, helping you establish a strong credit history. Once paid off the loan, the funds are yours to enjoy! Don't miss out!
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Home Equity Loans
Unlock the potential of your home! With equity in your property, you can take advantage of a home loan for exciting home improvement projects or to consolidate debt. We're thrilled to offer you a variable rate home equity line of credit of up to $100K or 80% LTV, all with low closing fees. Let's make your dreams a reality!​​​
Relationship Pricing
At EFCU, we truly appreciate your membership and are excited to reward our loyal members with amazing discounted loan rates! choosing EFCU as your primary financial partner, you could unlock a fantastic opportunity to a lower APR on your Auto Loan or Signature Loan! Don't miss out on great benefits!
All loans are subject to credit approval, and final rate may vary based on several factors, including personal credit history, term of loan and year of vehicle. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan. Membership at Electrical Credit Union is required to participate with a minimum share/savings balance of $25.00. APR = Annual Percentage Rate.