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Just a reminder that we will begin the merging process tomorrow Friday, April 28th. We will continue to move data and information through the weekend and should be completed Monday May 1st.

We will have some interruptions in service and downtimes with some products. You may have limited or sporadic access to some products including debit cards.
** Virtual Branch – limited access the weekend of April 28th, 29th and 30th.
** Friday, April 28th thru Monday, May 1st – limited access when using your debit card. PLEASE PLAN ACCORDINGLY.
** Monday, May 1st – Delayed opening by one hour (office will open 9 a.m. central) ** Tuesday, May 2nd – Delayed opening by one hour (office will open 9 a.m. central)

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Whatever your borrowing needs, ESCU has loans for most any purpose.

Complete our LoanLiner Application (just complete on screen and print, then fax or mail to ESCU), or contact us at 615-741-2142, 1-800-624-9341 or by E-mail!

Remember at ESCU there are NO PREPAYMENT PENALTIES. Click RATES for a list of our current rates. All rates and terms are subject to change without notice.

You have different options for paying for your loan. The easiest method is to set up payments on payroll deduction through Edison. It’s easy and hassle free. Loan payments can also be made at the credit union office, by mail or automatic transfer from your share or share draft account.

Loan Protection

The credit union offers low cost disability insurance. This protects you in the event of disability through an illness or accident. Credit life (Loan Protection) insurance is also offered. Credit Disability and Loan Protection insurance are subject to policy limitations.

Loan Types

Vehicle Loans – New and used. We offer financing up to 100% of the purchase price on new vehicles or the NADA Guide retail value on used vehicles. You also can be pre-approved so you know how much car you can buy. If you have already financed a vehicle with someone else, call us and we can refinance.

We are excited to announce that we are now using NADA!! NADA Guides

Model Year Term
2017 > $30,000 84 months
2017 - 2015 72 months
2014 - 2013 60 months
2012 - 2010 36 months
2009 - 2007 24 months

Secured Loans

- Boats, campers, motorcycles, jet skis, furniture, appliances, computers, etc.

Share Secured

– Low rate loans secured by your shares. Shares still earn dividends. As the loan is paid down, funds become available for withdrawal.


– Unsecured loans available to a maximum amount of $7500.


– Vacation loans available from $300 - $2500. Download form here.

Line of Credit

– Approved amounts starting at $500 with a maximum amount of $7500 to provide overdraft protection.

Short Term Loans

– Travel loans to cover the cost of State authorized travel.

Longevity Loan

– 60% of the amount of the member’s authorized benefit 60 days prior to receipt.

IRS Loan

– members may apply for 70% of their IRS refund during the period of January 1st thru April 15th.


Sallie Mae Partner Program

    The Smart Option Student Loan offers these benefits:
  • A choice of competitive rates for undergraduate students
  • Rewards for paying on time
  • Lower your interest rate
  • Get the money you need
  • Choose the repayment option that's best for you
Applying online is easy!



– Low rate credit card with no annual fee. Visit EZ Card Info for online access to your Visa account information. You will need your 16-digit account number and the 3-digit code on the signature line.