Loans

Whatever your borrowing needs, Education Plus Credit Union can help....

  • Car Loans -- Visit our Loan Rates page for rate information.
  • Pre-Approved Loans -- So you can focus on the deal, not the financing. Before you shop, come to EPCU and get your loan pre-approved. It’s like shopping with cash!
  • Home Equity Loans - No application fee, appraisal fees may apply, easy application process.
  • Overdraft Protection for your checking account
  • Plus Signature Loans
  • Motor Homes
  • Motorcycles
  • Travel Trailers
  • Boats
  • RV's
  • Off-Road Vehicles
  • Share Secured Loans
"We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act".

All loans are subject to qualification of the borrower. Some fees and restrictions may apply. Top ↑

SHARE/CD/IRA Rates

Click Here For Rates

Annual Percentage Yield (APY) is the total amount of dividends paid on an account based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for an early withdrawal of a fixed term certificate or IRA. Rates are subject to change without notice. Top ↑

Loan Rates and Applications

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New & Used Vehicle Loans - Effective March 20, 2017

  • New Autos (purchases only) as low as 2.60% a.p.r. up to 60 months
  • Used Autos as low as 2.73% a.p.r. up to 60 months
  • New Recreational Vehicle Loans as low as 3.00% a.p.r.
  • Used Recreational Vehicle Loans as low as 5.00% a.p.r.
  • New Boat Loans as low as 4.99% a.p.r.
  • Other Boat Loans as low as 6.25% a.p.r.
  • New Motorcycle Loans as low as 5.50% a.p.r.
  • Used Motorcycle Loans as low as 6.50% a.p.r.

Some restrictions and fees may apply. Rates subject to change. Ask for details. 

Rates are determined by an evaluation of applicant credit. Your rate may vary from the rate shown

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Home Equity Loans

 

 

We offer a full line of open and closed end home equity loans.

Contact your friendly loan officer for details!

We are an Equal Housing Lender.

We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We also Offer:

Revolving Credit Loans, Boat Loans, Travel Trailer Loans, Motorcycle Loans, and much, much more!!! Call for rates!

Credit Scoring:

We now base loan approval and interest rate on credit score. The rates shown here are our standard rates that could be adjusted per applicant based on qualifying criteria. Please contact the credit union for details.

APR = Annual Percentage Rate - All rates accurate at time of posting and are subject to change. Some restrictions may apply to loan rates and terms. Loan application fee may apply. Top ↑