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

Signature Loans

Personal Loans are also called Signature Loans because we don't ask for any collateral — just your signature promising 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 Funds Transfer.

Vacation Loans

We offer special signature loans for summer vacation expenses from May through September.

Back-to-School Loans

The beginning of a new school year is challenging, but it doesn't have to be challenging on your checkbook. Take advantage of our Signature Loans during August and September for your back-to-school expenses.

Holiday Loans

We offer special holiday signature loans during November and December to help you cover the costs of celebrations, travel and gifts.

Learn more and apply.

 

Signature Loan Rates

Effective Oct 1, 2023Print

Term APR* Est. Monthly Payment
per $1000
Up to 24 Months 9.25% $45.80/24 Mos.
Up to 36 Months 9.25% $31.92/36 Mos.**
Up to 48 Months 10.25% $25.49/48 Mos.
Up to 60 Months 11.25% $22.00/60 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Advertised APR includes 0.25% discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Not all applicants will qualify for the lowest rate. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $10,000 financed for 36 months would be $27.78 x 10 = $277.80 per month; your loan will have a total cost of $11,000.08 ($27.78 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 Oct 1, 2023Print

Term APR* Est. Monthly Payment
per $1000
N/A 11.00% 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 Oct 1, 2023Print

Loan Type Term APR* Est. Monthly Payment
per $1000
Share Secured† Up to 60 Months Share Rate + 2.50% $17.80/60 Months based on .10% dividend
Share Certificate Secured Remaining Certificate Term Certificate Rate + 2.50% $17.80/60 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.

Convenient Payment Options

Set up automatic payments through Online Bill Pay or make a payment with a card via phone at 202-318-1991 or at any branch location. We accept Mastercard credit cards, as well as Mastercard and Visa debit cards. Card payments offer same-day posting and there is no fee for the service.

Get started today:

 

†You must be eligible for membership in EP Federal Credit Union in order for your loan application to be considered. See https://www.epfcu.org/membership/how-to-join.aspx#whocanjoin for eligibility requirements.

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EP Federal Credit Union

As a not-for-profit financial cooperative, we are able to offer low-rate loans, competitive savings and conveniences with lower or no fees. You contribute directly to the well-being of the credit union simply by taking advantage of these beneficial services.

As a not-for-profit financial cooperative, we are able to offer low-rate loans, competitive savings and conveniences with lower or no fees. You contribute directly to the well-being of the credit union simply by taking advantage of these beneficial services.

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