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

Complete our Online Loan 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 Email.

Remember at ESCU there are NO PREPAYMENT PENALTIES AND NO APPLICATION FEES. 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 let us set up payroll deduction. 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.  We also provide life insurance on your loan (excluding 1st Mortgages).  This valuable life coverage is at no cost to you.  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 Kelly Blue Book retail 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.

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.

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

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.

VISA – Low rate credit card with no annual fee. Visit www.myccinfo.com 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.

Real Estate Mortgage – First Mortgages Only

No Origination Fees or Discount Points

Minimum loan $50,000.00

Maximum loan $150,000.00

80% financing of Appraised Value

Up to 20 years financing *

Rates as low as 5.25% **

*30 years financing at a higher rate of interest (call for details)

The credit union has partnered with Greentree Mortgage  for loans that don't meet the credit union requirements -  Call for information

**R ate may vary - rate determined by credit history and credit score

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