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Products
E-Central Credit Union offers a variety of loan programs to meet your needs. Whether you are a first-time homebuyer or someone looking to refinance, rely on E-Central. We offer:
 
First Trust Deeds (fixed)
FHA Home Loan
Second Trust Deed (fixed)
Home Equity Lines of Credit (HELOC)

First Trust Deeds (fixed)

Enjoy monthly payments that never change. Choose a 15- or 20-year term for faster payoff, or a 30-year term for a lower monthly payment.


FHA Home Loan

With down payments as little as 3.5% and less-than-perfect credit okay, it's easy to qualify for an FHA Home Loan and the benefits are big! FHA Home Loans are assumable and refinances are streamlined. A FHA Home Loan could be just the solution for you.


Second Trust Deed (fixed)

The equity in your home can be used for almost any purpose imaginable. It provides competitive rates, easy application, and low fees with terms up to 15 years. This loan is an excellent choice for debt consolidation, home improvements, purchase of a new car, RV, or whatever you choose. As an additional benefit the low interest paid on this loan may be tax deductible. Please consult your tax advisor.

Term: 15 years  

Home Equity Lines of Credit (HELOC)

Using the equity in your home as collateral for a loan can be the best choice you make as a homeowner. You get a much lower rate than unsecured loans and credit cards. Leveraging the equity in your home is a great way to fund your home improvement projects, pay for your dream vacation, or consolidate your debt. The interest you pay is generally tax deductible (consult your tax advisor), making a Home Equity Loan a smart choice over traditional loans.

  • Low rates
  • 5 year draw, 15 year repayment term
  • Free convenience checks
  • Free cash advance
  • Low minimum monthly payment (1% of balance owed)
  • No fees (requires an initial advance of $25,000)