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A Personal Loan from EPFCU is 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. 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
  • Rates as low as 8.50% APR*
  • Term: 12 months

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.

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.

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.

Personal Lending Rates

Effective Oct 1, 2017Print

Loan Type Term APR* Est. Payment per $1000
Personal Line of Credit† Open-end 10.00%
Signature Loan Up to 60 months 8.50% $20.52/
60 mos.
Share Secured Up to 60 months Dividend Rate Plus 2.50% $17.79/
60 mos.
Based on .10% dividend
Share Certificate Secured†† Up to term of certificate Dividend Rate Plus 2.50% $17.79/
60 mos.
Based on .10% dividend
*APR=Annual Percentage Rate. Rates stated are as low as. Actual rate may vary and is based on applicant’s credit score.
†Personal Line of Credit Application reviewed every 2 years. Rate may change after two years to
the current stated rate based on credit review and credit score.
††Secured funds must remain in account for the term of the loan.

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