Current Promotions

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*APR = Annual Percentage Rate. Rates are based on credit rating and are subject to normal credit approval. Rates effective 11/7/25 and are subject to change without notice. As low as rates are based on a credit score of 740+, a loan-to-value less than 80% and include discounts for at least two of the following services: ECU direct deposit, GAP insurance, Mechanical breakdown insurance, credit life/disability insurance or an insurance policy through Educators Insurance Services.  Rate stated is for a 25-month term, 2019 model or newer. PAYMENT EXAMPLE: $41.75 per $1,000 financed at 3.99% for 25 months. Other rates and terms available.   Excludes existing ECU loans and Indirect loans. Certain restrictions apply. ECU membership required. Federally Insured by NCUA.

*APY = Annual Percentage Yield. Rates effective 1/22/25 and are subject to change without notice.  Minimum opening deposit is $5,000.  A penalty may be imposed for early withdrawal.  ECU membership is required. Federally Insured by NCUA.

*By signing this form, I authorize the skip-a-payment on the loan(s) indicated and understand that interest will continue to accrue on the balance of the loan(s) and extend the term of the loan(s). Offer expires 1/31/26.  All faxed or mailed forms must be received by 1/31/26.  Subject to normal credit approval.  Only one payment may be skipped in a 12-month period.  Loans advanced after June 1, 2025 are not eligible.  Delinquent loans are not eligible.  Loans excluded from this offer include: MasterCard, home improvement, home equity, real estate related, balloon notes and overdraft protection.  The $30 processing fee must be paid prior to payment date and cannot be rolled into the loan balance. I understand that skipped payments may affect GAP insurance claims and payments. Other restrictions may apply.  Form must be signed to be valid.