Savings & Certificate Secured Loans
Borrow against your savings without spending your savings.
An EPBECU Savings Secured Loan allows you to use funds in your EPBECU savings account as collateral for a loan. You can borrow against your available savings while your money remains on deposit. You may also be able to borrow against funds held in an EPBECU Certificate. The loan rate is based on the applicable certificate-secured loan rate, while your certificate continues under its existing terms.
Why Consider a Savings Secured Loan?
Keep your savings on deposit while borrowing against it
Competitive loan rates
Flexible repayment options
Savings or eligible certificate funds may be used as collateral
A simple borrowing option when you already have funds on deposit with EPBECU
Want to see if a Savings- or Certificate-Secured Loan is right for you? Give us a call or stop by any EPBECU location, and we'll be happy to go over your options
Personal Loans
A little extra flexibility when life calls for it.
Whether you're planning a special purchase, consolidating debt, covering an unexpected expense, or simply need a little extra financial flexibility, an EPBECU Personal Loan may be able to help. Our Personal Loans are unsecured, which means you don't have to pledge your vehicle, savings, or other property as collateral.
Simple, Flexible Financing
EPBECU Personal Loans offer competitive rates and flexible repayment terms based on your individual qualifications. Your approved loan amount, rate, and term will depend on factors such as your credit history, income, existing debt obligations, and other applicable lending guidelines.
What Can a Personal Loan Be Used For?
Personal Loans can be used for a variety of personal needs, including:
Debt consolidation
Unexpected expenses
Home projects or repairs
Major purchases
Vacations and travel
Weddings and special occasions
Other personal expenses
Ready to Get Started?
Applying is easy. Contact EPBECU, stop by one of our locations, or complete a loan application to see what options may be available to you.
All loans are subject to credit approval and EPBECU lending guidelines. Rates, terms, and loan amounts may vary based on individual qualifications.