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.
We offer special signature loans for summer vacation expenses from May through September.
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.
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.
| Term | APR* | Est. Monthly Payment per $1000 |
|---|---|---|
| Up to 24 Months | 9.00% | $45.70/24 Mos. |
| Up to 36 Months | 9.00% | $31.81/36 Mos.** |
| Up to 48 Months | 10.00% | $25.37/48 Mos. |
| Up to 60 Months | 11.25% | $21.88/60 Mos. |
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.
| Term | APR* | Est. Monthly Payment per $1000 |
|---|---|---|
| N/A | 11.00% | N/A |
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.
| 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 |
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.
†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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Main Office
13th & C Streets, SW
Room 215A
Washington, DC 20228
Fax: 202-602-6623
