Products & Services







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.   All loans subject to credit, underwriting, and debt ratio.


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 hereAll loans subject to credit, underwriting, and debt ratio.

*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.

 Consumer Purchase Loans
We provide loans for furniture, appliances, heating & air units, garden tractors, computers, and many other consumer purchases.   Apply hereAll loans subject to credit, underwriting, and debt ratio.
 


  Visa Credit Card - Experience the unique rewards and special benefits that come with card membership. Whether you're planning your dream vacation, managing your household finances, or building strong credit for the future, we offer a credit card to meet your needs. It won't take long to find the one that's right for you.  Apply here All loans subject to credit, underwriting, and debt ratio.

 
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

HomeBanking
If you haven’t yet taken advantage of online banking, there’s no better time to begin. The flexibility, improved security and increased functionality of the new online banking platform give you the power to control your banking experience – right at your fingertips. Click here to sign up 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.


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.

GAP 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.

SERVICES

  • 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
  • BENEFITS ARE PAID ON ALL ELIGIBLE CLAIMS
  • DEDUCTIBLES UP TO $1,000.00 ARE COVERED -Underlying insurance deductibles up to $1,000.00 are automatically reimbursed in the coverage/benefit payment. 
  • PROTECTION FOR THE TERM OF THE LOAN
  • PROGRAM HAS NO MSRP OR ACV RESTRICTIONS
  • 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.
  • SIMPLIFIED, SINGLE RATE STRUCTURE - This means same price for everyone no matter how much borrowed or what type of vehicle.
  • INSURANCE REQUIREMENT - To be eligible for and to continue coverage, insurance on the covered vehicle must be maintained by the consumer at all times.
  • FULL INSURANCE COVERAGE - Coverage is effective with purchase.  Insurance carrier is "A+" rated by A.M. Best or "AAA" by Standard and Poors.

 
TruStage Auto & Homeowners Insurance Program
You trust Employees Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Homeowners Insurance Program.
 The TruStage Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred  by credit unions and their members.
Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
Receive fast, easy access to claims service 24 hours a day.
Obtain a free, no-obligation quoteClick here to start saving!

The TruStage Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.  

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

Other Services

Credit Life Insurance and Credit Disability    

 

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.


 
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.  All loans subject to credit, underwriting, and debt ratio.

 

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