As a not-for-profit financial cooperative, we are able to offer loans for all your borrowing needs at rates to help you save. Plus, we have terms to fit your family’s budget!

Other Types of Loans: 

  • Bill Consolidation Loans
  • Credit Card – MasterCard Gold
  • Signature Loans
  • “Quick Cash” Revolving Line-of-Credit
  • Motorcycle Loans
  • Boat and RV Loans
  • Savings-Secured Loans

Please contact us at with any loan questions.

Finance your new/used auto or refinance your auto from another institution with rates as low as 4.90% APR* and terms up to 72 months!
Contact us for more details! Promotional offer valid through December 31, 2023.

Contact us to apply for your loan today!

Enjoy added peace of mind with Credit Life and Credit Disability Insurance.

*APR is annual percentage rate. (Existing ETCU auto loans are not eligible for refinancing.) Subject to credit approval. Terms, conditions, and restrictions apply. Rates are subject to change without prior notice.


ETCU will be closed on Wednesday, May 1, 2024


We are converting to a new computer system, effective May 1, 2024.  This new system will make it easier to serve you by improving our efficiency as well as offering you new and exciting tools for managing your accounts with us.

During this process we will need to close our doors and temporarily disconnect online banking. Please plan ahead for your financial needs during this time.  On Thursday May 2nd, Our office will open at normal hours.  Members will need to re-enroll on our NEW system’s home banking platform.  (Instructions and details to come.)

New Online Banking: Part of the conversion involves switching to the online banking platform offered by our new processing system.  All members will need to re-enroll in online banking and accept the user agreement after the conversion is complete.  (Account numbers and format will not be changing.)  We will have user guides for the new system available for you soon. Thank you for your patience and understanding.

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