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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.

Craft the Personal Loan that Fits Your Needs

Signature Loans

  • No collateral needed
  • Terms up to 60 months*
  • Fixed rate
  • Seasonal specials for vacation, back-to-school, and holidays

Personal Line of Credit

  • No collateral needed
  • Revolving credit line
  • Variable rate
  • Great for checking account overdraft protection

Share Secured Loans

  • Your savings, money market, or certificates are collateral 
  • Terms up to 60 months
  • Fixed rate is 2.5% APR* over your collateral dividend rate

Enjoy convenient automatic payments through Online Bill Pay, eTransfer, or Payroll Distribution.
You can also make payments 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.

Summer Plans Start Here

Travel, projects, or the unexpected—our Personal Loan helps you move forward now and pay later, with 60 days no payments and rates as low as 9.50% APR*

*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes 0.25% discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply. Monthly payment example: A loan of $10,000 financed for 36 months would be $32.38 x 10 = $323.80 per month; your loan will have a total cost of $11,656.80 ($323.80 x 36). First payment deferred up to 60 days; interest accrues during deferral.

Get Started Today!

Apply for a Personal Loan
Questions? Call 202-318-1991

Personal Lending Rates

Signature Loans

No collateral is needed — just your signature promising to repay the loan. Choose a closed-end, fixed-rate loan with a term of up to 60 months. Borrow for any purpose!

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.

Personal Line of Credit

You can also get a line of credit without any collateral. Use it for convenient access to funds when you need them, 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.

†Loans are subject to credit approval. You must be eligible for membership in EP Federal Credit Union in order for your loan application to be considered. See eligibility requirements.

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