Personal Loan | Shared-Secure Loan

Loans for Life's Moments

Personal loans can be used for any purpose. They can be used to pay for major purchases or repairs, to cover once-in-a-lifetime events like weddings, or debt consolidation. Flexibility is the keyword, and you can borrow a wide range of money for a wide range of reasons.

Benefits of a personal loan with EFFCU:

Low Fixed Rates: Enjoy consistent, affordable monthly payments
Flexible Borrowing Options: Access up to $50,000*
No Pre-Payment Penalties: Pay off your loan faster with no extra fees
Simple Online Application: Quick, convenient, and hassle-free

Apply Now

Share-Secured Loan

What is a share-secured loan? It's a loan you secure with a savings account that helps you build or establish credit while paying yourself back with interest. Approval is easy when you use your savings as collateral. You can build your credit and have the money you need when you need it.

Low, fixed interest rate.
Lower interest rate than an unsecured loan.
Earn dividends on your secured funds.
No annual fees

Apply Now

Personal Loans

* APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Terms	Fees	APR*
Unsecured Personal	No annual fees	11.75%
Share Secured	No annual fees	3.0% + Regular Savings Dividend Rate
Share Certificate Secured for 6 – 36 months	No annual fees	2.0% + Share Certificate Dividend Rate
Share Certificate Secured for 37 – 60 months	No annual fees	3.0% + Share Certificate Dividend Rate