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Auto Loans

Educators Credit Union makes it easy for you to get the vehicle you want. Our low rates, affordable payment options and terms mean you can find the right loan to fit your needs. Whether it’s a new or used vehicle, stop in and get pre-approved today!



  • Financing options up to 100% of dealer cost on new vehicles or NADA wholesale values on used vehicles
  • Terms up to 84 months
  • Automatic payment deduction options
  • Easy pre-approval process
  • Optional GAP (Guaranteed Asset Protection) Insurance available for a fee – ask your loan officer for more details
  • Optional Extended warranty available for a fee – ask your loan officer for more details

REFINANCING OPTIONS Are you looking for a lower rate or term? With our competitive rates and multiple term options, we could lower your monthly payment. Contact one of our loan officers today!

RESEARCH & COMPARE N.A.D.A. Online Find out if it is a fair price .


ECU offers financing options on many recreational vehicles including boats, jet skis, motorcycles, travel trailers, motor homes and many more.


protect your investment

Ensure Your New Vehicle is Fully Protected with GAP

Even the best auto insurance may not cover the entire amount you owe on an auto loan. In fact, if the average new car owner has his or her vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after the insurance settlement.

To fully protect the investment you’ve made in your new vehicle, you need Guaranteed Asset Protection (GAP*). GAP makes up the difference between what insurance covers and the amount you still owe in most cases. So, instead of paying off a substantial loan balance for a vehicle you can no longer drive, you could be free and clear.

With this valuable product, you can rest easy knowing that your auto loan won’t be a burden if an unexpected accident or theft occurs.

To learn more, call your loan officer or service representative today!

*Guaranteed Asset Protection is considered insurance coverage in some states.

Your purchase of GAP is optional. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP. You should carefully read the contract for a full explanation of the terms.

car repairs


With MMP, You Can Get the Most Out of Your Mileage!

As time goes on, the likelihood of mechanical failure on your vehicle is inevitable. Advanced electronics, complex systems, and rising labor costs mean that a repair that might have cost hundreds of dollars a few years ago may now cost you thousands.

With Major Mechanical Protection (MMP) from Educators Credit Union, you can protect yourself against the expense of future costly repairs.

The total cost of MMP is often far less than the cost of a single repair! Pay for this protection once, and in most cases you will not have to pay anything more than a small deductible should a breakdown occur.

To learn more about MMP, call your loan officer or service representative today!


Exclusive member savings on car insurance. Get a quote.

AUTO INSURANCE OPTION – ECU has partnered with CUNA Mutual Group to offer members competitive rates on auto insurance through the
TruStage Auto Insurance Program . Click the TruStage link if you are interested in viewing the products they have to offer.

COLLATERAL PROTECTION INSURANCE (CPI) If you have an auto or recreational vehicle financed at Educators Credit Union, we must have proof of insurance. Your failure to supply insurance information will result in ECU purchasing CPI insurance on the vehicle; the cost of this insurance will be added to your loan balance. You can verify/supply proof of insurance by clicking this link www.imcovered.com/edcu ; our credit union number is 7017.