Loans & Credit Cards

To apply for any of our loan products, call us during normal business hours and ask to speak with a loan officer.  Or you can apply online!  You also have the ability to sign loan documents online without having to visit the branch!

Auto/RV Loans

Are you in the market to purchase a new or used vehicle? With some of the most competitive auto loan rates in Colorado, EFCU can help you with your purchase.  We also offer loans on various recreational vehicles, such as ATVs, UTVs and motorcycles! 

Young Driver

Overdraft/LOC

An overdraft line of credit is a loan attached to your checking account. If you run out of money the line of credit can cover expenses so that you don’t bounce checks, miss payments, or have your debit card denied.  

Image by Michael Dam

Visa Credit Cards

We offer our members a FIXED-rate Visa credit card with a low 11.90% APR. There is no annual fee and you can save money by transferring the balances from your higher interest credit cards!  EFCU also offers Samsung Pay, Android Pay and Apple Pay for use with your EFCU Visa Credit Card.

Father and Daughter with Grocery

Home Loans

EFCU has teamed up with Centennial Lending to provide you with outstanding home loan products.  You can submit an application online or contact Centennial Lending at 720.494.2740 to get started.

Image by HiveBoxx

Signature Loans

You can use our Signature Loan for a variety of purposes including debt consolidation, vacations, holidays, car repairs, weddings, birthdays and more.  Rates are currently as low as 8.49% APR!

Image by Patricia Prudente

Credit Builder Loans

A credit builder loan holds the amount borrowed in your savings account while you make payments, building credit. When the loan is paid off, the money is released to you.  We currently offer 6.00% on our Credit Builder Loan.

Image by Charlotte Karlsen

Home Equity Loans

If you have equity in your home, a home equity loan can be used for a variety of purposes such as home improvement, and debt consolidation.  We currently offer a variable rate home equity line of credit up to $100K or 80% LTV with low closing fees.

Image by Claus Grünstäudl

Relationship Pricing

EFCU values your membership and rewards our loyal members with discounted loan rates.  For using EFCU as your primary financial institution you may be eligible to receive a lower APR when you take out an Auto Loan or Signature Loan!

Image by Alex Iby

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.