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Automobile Loans 
We make your car buying experience a breeze! Finance your new or used car, truck, or van, at your Credit Union.
We offer flexible financing terms and competitive rates. Easy Loan Application ONLINE. Apply here.
Home Equity Line of Credit* Prime Rate** + 1% to 4%
Put Your Equity to Work
Your home may be your single biggest investment. Make it work harder for you with a Home Equity Line of Credit from your credit
union. We offer competitive rates, easy application process, and
the advice of our knowledgeable staff. 
Benefits of Home Equity Financing
Low interest rates and tax advantages make home equity financing a smart decision.
Flexibility Borrow for any purpose: debt consolidation, home improvement, college tuition, whatever you need.
Lower Rates Borrow at lower rates than with personal loans and credit cards.
Tax Benefits- The interest on Home Equity Loans is generally tax deductible, within certain limits. Chances are you're paying much more on other personal loans and credit cards without the tax benefits of a Home Equity Loan.
Contact your tax advisor to learn more. apply here.
*Minimum interest rate is 5.25% or 8%. The interest rate you receive depends on credit, debt ratio and appraisal. **Prime is the Prime Rate as listed in the Wall Street Journal and is subject to change quarterly. Home Equity Loans are available in the states of Tennessee and Kentucky only.
Mortgage Loans
 Your largest single life investment is the purchase of a home. We offer mortgage loans on primary residences as well as rental properties. Contact our office for mortgage loan information or a loan application.
Consumer Purchase Loans
 We provide loans for furniture, appliances, heating & air units, garden tractors, computers, and many other consumer purchases. Apply here.
Savings Accounts
 Savings Accounts are the cornerstone of Credit Union membership. By opening a Savings (Share) Account for $5, you become a credit union member. Use this account to grow a "nest egg", park money in for short term, or use for overdraft protection for you checking
(sharedraft) account. Use Direct Deposit or Payroll Deduction to make this account grow. Apply here.
Checking Accounts
Your credit union offers several checking account options with special benefits and incentives. Free online HomeBanking. Overdraft Protection available for all checking accounts. No charge for Overdraft Protection transfers from savings or established personal lines of credit. Free Debit Card with no transaction fee. Apply here.
Premier Checking 
No monthly service charge
Free checks (3 orders/year)
Unlimited checks writing
Free Visa Check Card/ATM
You must maintain a $2,500 relationship in loans and/or deposits for this account. Apply here.
Smart Checking
 No minimum daily balance
Free checks (3 orders/year
Unlimited check writing
Free Visa Debit Card
All for $13 per month Apply here.
Checking Plus
Unlimited check writing
$9 monthly fee if balance falls below $500 during the month.
No monthly fee for SENIORS age 55 or STUDENTS age 18-23.
Apply here
Direct Deposit Checking
 No monthly service fee with monthly direct deposit of at least $500.
Free Debit/ATM Card. Free online HomeBanking.
Apply here.
Online Statements - Free with HomeBanking
Click here for HomeBanking
Term Share Certificates
We offer high dividend rates on Term Share Certificates with terms from 3 months to 60 months. Certificates are automatically renewed for a like term at the dividend rate in effect a the time of the renewal, unless you instruct us otherwise or we notify you that it will not renew. No penalty for withdrawal anytime during the 10 days following certificate maturity. Contact us for more information.
Christmas Club and Vacation Club Accounts
 Need help for the biggest retail season or that vacation in the summer? We'll help you save throughout the year by setting up a Christmas Club Account that pays out the first week of November or a Vacation Club account that pays out on May 31. It's easy to build your club account cushion each payday through payroll deduction. You may start your Club Account at anytime of the year. Apply here.
Credit Life Insurance for Loans
For a low monthly fee added to your loan, credit life insurance pays the insured balance of your loan, up to the policy maximum, in the event of your death. This ensures your family will not be left with your loan debt. Ask your loan officer for details on your next visit. Contact us for more information.
Guaranteed Auto Protection Plus (GAP Plus)
GAP Plus is a nice financial security blanket if your car is declared a total loss after an accident by your insurance company or if it is stolen and not recovered. Your car can depreciate in value faster than the balance of a car loan after two to three years of ownership. If you have an accident and the insurance company determines your car is a total loss or if it is stolen, then you may still owe on your loan balance in spite of not having a car. GAP Plus helps recover the financial "gap" between what the insurance company will cover and the balance of your loan. GAP Plus will even provide $1,000 towards the replacement purchase of another vehicle if you finance your new vehicle at ECU. Contact one of our friendly Loan Officers for more information about protecting your next vehicle purchase.
PROGRAM Highlights
ALL RISK PROTECTION - Protects against financial loss in the event the vehicle is declared a total loss due to fire, theft, collision, or any insured peril.
Home Owners and Auto Insurance
Browse through the wealth of information available on the Members Financial Network. You'll find information on investments, insurance, home buying, retirement, and other topics that will help you take control of your financial life.
SERVICES
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AVAILABLE FOR NEW AND PRE-OWNED VEHICLES - There are no model or year limitations.VEHICLES VALUED UP TO $50,000.00 - Limited exclusions apply only to commercial, rare, exotic, unusual, limited production, one-of-kind, kit, customized, or vehicles over 10,000 GVW.
- AVAILABLE FOR NEW AND PRE-OWNED VEHICLES - There are no model or year limitations
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BENEFITS ARE PAID ON ALL ELIGIBLE CLAIMS
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DEDUCTIBLES UP TO $1,000.00 ARE COVERED -Underlying insurance deductibles up to $1,000.00 are automatically reimbursed in the coverage/benefit payment.
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PROTECTION FOR THE TERM OF THE LOAN
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PROGRAM HAS NO MSRP OR ACV RESTRICTIONS
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CANCELLATION PROVISIONS - All individual waivers are flat cancelable within the first sixty (60) days of coverage. After the first sixty (60) days, no refund will be made.
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SIMPLIFIED, SINGLE RATE STRUCTURE - This means same price for everyone no matter how much borrowed or what type of vehicle.
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INSURANCE REQUIREMENT - To be eligible for and to continue coverage, insurance on the covered vehicle must be maintained by the consumer at all times.
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FULL INSURANCE COVERAGE - Coverage is effective with purchase. Insurance carrier is "A+" rated by A.M. Best or "AAA" by Standard and Poors.
Contact a LOAN OFFICER for more details.
We offer many additional services that complement our financial product and service offerings. We hope you find that they add to the ECU difference.
Direct Deposit or Payroll Deduction enables you to have your entire paycheck, Social Security check or other recurring government check automatically deposited at your credit union account on payday. This eliminates standing in line to deposit your check or worrying about your check being lost or stolen if you're out of town.
Direct Deposit Application
Credit Life Insurance
Because we never know when death will occur, Credit Life Insurance is available for members loans. This Life Insurance Protection: Credit Disability Insurance
- Reduces or pays off your covered loan balance
- Protects survivor's credit rating
- No complicated enrollment forms or physical exam required
- No separate payment premium is added to your loan balance
- Helps protect collateral against repossession.
To protect your loan, Disability Insurance is available for our members.
The benefits of this coverage include:
- Makes your loan payments if you are disabled
- Protects your Credit Rating
- Reduces financial burden during emergency
- No complicated enrollment forms or physical exams required
- No separate payment premium is added to your loan payment.
Audio Response Unit - Easy Caller Access
With the credit union telephone response system (ARU), most of your credit union transactions may be conducted at your convenience, 24/7 from any Touch-Tone telephone. Check account balances, transfer between accounts, see what checks have cleared, and more. It is easy-to-use and confidential. You must have a pin number to access your account. Get yours today.
Members Financial Network 
Browse through the wealth of information available on the Members Financial Network.You'll find information on investments, insurance, home buying, retirement, and other topics that will help you take control of your financial life. Click here for more information.
Call ECU for more information at 1-800-298-8260 or 615-367-7227 or
Whatever home you decide to buy, your credit union can help you with a mortgage loan. We also do mortgage refinancing. Our rates are great, our closing costs are low, and we do not
charge any origination fees or discount points. In most cases, loans can close in 2-3 weeks. Mortgage loans are available only in the state of Tennessee. Loan available up to 30 years with 10 Year Balloon and a five year call. Remember, low closing costs and no origination fees or discounts points! Call ECU for more information at 1-800-298-8260 or 615-367-7227.
Personal Loans and Overdraft Protection Loans
 We provide personal loans and personal lines of credit with rates as low as Prime Rate Plus 3% to 18%. Use your personal line of credit for overdraft protection for you checking/share draft account. Set up your line of credit so that it is available when you need it. Apply here. APR=Annual Percentage
Rate. Prime Rate is the Prime Rate as published in the Wall Street Journal.
 VISA Platinum Credit Card
Whether your travels take you around the world or just around town, you'll have all of the purchasing power you need with a Visa Platinum Credit Card from the people you trust at your credit union.
Click here for VISA disclosure Information. Apply for credit card here.
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