LOANS & CREDIT

  • VEHICLE LOANS

    If it moves you, we can finance it with a great rate. Come to EPFCU for loans on cars, trucks, motorcycles, RVs, boats and more. We provide low rates, flexible terms, affordable payments and personalized service without the application fees or hidden charges.

    New & Used Autos, Boat, RV, Trailer, ATV & Motorcycle Loans

    • Finance as much as 100% of the purchase price of new vehicles.
    • Receive great low rates with terms up to 72 months.
    • Pay no hidden fees or pre-payment penalties.
    • Apply online or in person for a fast and easy loan approval process.
    • Make payments conveniently with payroll deduction or automatic payment.

    For the ultimate in convenience, be sure to get your loan pre-approved before you shop. You’ll enjoy stronger negotiating power with the dealer and save time and money.

    Apply for a vehicle loan today!
    View our loan rates.

  • CREDIT CARDS

    Enjoy convenient purchasing power along with outstanding service! You’ll open and manage your account right at the credit union, so the staff you know is here to help when you have questions or concerns. With an EPFCU Visa® Classic credit card, you’ll enjoy great benefits:


    • Enjoy low rates.
    • Pay no annual fees or balance transfer charges.
    • Receive convenient service in our branch, over the phone or online.

    You can even transfer your balance from other credit cards or lenders to EPFCU and save.

    Apply for your Visa credit card today!
    View our loan rates.

  • PERSONAL LOANS

    At EPFCU, we're ready to loan you the funds you need! Borrow money for new appliances or furniture, a vacation, bills, a personal computer or any expense life throws your way. We don't charge an application fee, and the approval process is quick and convenient.

    Signature Loan

    • Enjoy low interest rates and affordable payments.
    • Repay your loan with flexible terms ranging from 12 to 24 months.
    • Manage your loan in our office or with free online banking.
    • Set up payroll deduction or automatic payment for effortless payments.

    Share Secured Loan

    • Borrow at exceptional loan rates by using your savings as collateral.
    • Enjoy terms as long as 60 months.
    • A great way to establish or improve your credit score.

    Apply for your EPFCU personal loan now!
    View our loan rates.

  • REAL ESTATE LOANS

    Whether you’re purchasing or refinancing a home, get your mortgage from someone you know and trust. Our mortgage lending professionals will take you through every step and offer you competitive rates, affordable repayment terms and friendly, personal service. We offer a variety of mortgage options to fit your needs, and we will never sell your loan to another lender or servicer.

    Fixed-Rate Mortgage Loan

    • Make monthly principal and interest payments that don’t change.
    • Enjoy terms ranging from 10 to 30 years.
    • Finance up to 80% of your home’s value.
    • Pay no origination fee, lowering your closing costs significantly!

    Home Equity Line of Credit

    The equity in your home may be the key to financial freedom. Use your home equity line of credit from EPFCU to fund renovations, consolidate debt, cover tuition or pay for a getaway – all with great low rates! You can enjoy:

    • Credit limits up to 80% of your home’s value.
    • Enjoy low, variable interest rates with terms up to 15 years.
    • Significant tax advantages, since the interest you pay may be tax deductible.*
    • Interest rates lower than other loan or credit options, ensuring greater savings.
    • Convenient account access and local service from a lender you can trust.

    *Contact your tax advisor for complete details regarding tax deductibility.

    View our loan rates.

  • LOAN PROTECTION

    Financing from EPFCU helps you reach your goals, and we want to help you protect those interests. With loan protection services, you can be sure that your investments are covered and your finances are secure.

    The credit union offers Credit Life and Credit Disability Insurance through CUNA Mutual Group with most of our loan options. Credit Life Insurance will pay your remaining credit union loan debt in the event of your death, thus avoiding any financial burdens for your beneficiaries.* Credit Disability Insurance makes your credit union loan payments in the event you are unable to work due to a disability or injury that lasts more than 30 days. Premiums are incorporated into your monthly payment amount for hassle free payment.

    *Limits apply. See the credit union for complete details.

    GAP Coverage

    If your vehicle is declared a total loss due to collision or theft, you still have to pay the difference, or the “gap,” between the insurance settlement and your loan balance. Guaranteed Asset Protection is low-cost coverage that can pay the potentially high-cost difference. Ask about it when you apply for your next auto loan.

  • CALCULATORS

    Use these helpful financial tools to evaluate your total loan costs and potential savings.* EPFCU loan officers are waiting to assist you in every way possible. Please contact us today for assistance with your financial needs.

    Loan Calculators


    Savings Calculator


    Mortgage Calculator


    *The accuracy of these calculators and their applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. Using these calculators does not guarantee credit.


Phone: (217) 446-0777 | Fax: (217) 446-2522

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