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A Personal Loan from EPFCU may be your solution for home improvements, consolidating bills, or whatever you need right now.

Signature Loans

They're called signature loans because we don't ask for any collateral — just your signed promise to repay the loan. Choose a closed-end loan with a term of up to 60 months. (See sample monthly payment.) Borrow for any reasonable purpose and make repayment easy with payroll distribution or automated e-Transfer.

Vacation Loans

We offer special signature loans for summer vacation expenses from May through September. If you need help getting away from it all, check out our current vacation special:

  • Maximum loan: $2,500
  • 9.5% APR*
  • Term: 12 months ($87.60 monthly payment per $1,000 borrowed)


Holiday Loans

We offer special holiday signature loans during November and December to help you cover the costs of celebrations, travel and gifts. Check our website this holiday season to learn more about terms and special rates.

Signature Loan Rates

Effective Aug 1, 2018Print

Term APR* Est. Monthly Payment per $1000
Up to 24 Months 6.00% $44.32/24 Mos.
Up to 36 Months 6.50% $30.65/36 Mos.**
Up to 48 Months 7.00% $23.95/48 Mos.
Up to 60 Months 7.50% $20.04/60 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
** Monthly payment example: A loan of $10,000 financed for 36 months would be $30.65 x 10 = $306.50 per month; your loan will have a total cost of $11,034.00 ($306.50 x 36).

Personal Line of Credit

You can also get a line of credit using your signature as collateral. Use it for convenient access to funds or for overdraft protection on your checking account. As you repay the line of credit, the amount available to you replenishes.

Personal Line of Credit

Effective Aug 1, 2018Print

Term APR* Est. Monthly Payment per $1000
N/A 10.00% N/A
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
Personal Line of Credit is reviewed on a continuous basis. Rates may change after two years to the current stated rate based on credit review and credit score.

Share Secured Loans

You can use the money in your savings, money market or certificate accounts as collateral for a loan, too. Share secured loans are available at our lowest rates — just 2.5% APR over your dividend rate. You can extend your payments up to 60 months and use the funds for any purpose. 

Secured Loan Rates

Effective Aug 1, 2018Print

Loan Type Term APR* Est. Monthly Payment per $1000
Share Secured† Up to 60 Months Share Rate + 2.50% $17.79/60 Months based on .10% dividend
Share Certificate Secured Remaining Certificate Term Certificate Rate + 2.50% $17.79/60 Months based on .10% dividend
*APR = Annual Percentage Rate. Share secured loans are available at our lowest rates — just 2.5% APR over your dividend rate.
†Secured funds must remain in account for the term of the loan.

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