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Other Loans

Enjoy the convenience of accessing your available line of credit when you need it. Lines of Credit provide a pre-approved loan limit, which can be drawn on at any time by phone, voice response or in person. ēCO also offers Overdraft Protection Loans to help protect you against miscalculations with your checking account.

Overdraft Protection Loans cannot be advanced by phone, online, voice response or in person.

The FORWARD Loan is designed just for our members between the ages of 19 and 29. The maximum loan amount is $1,000, and the rate is 10.75% APR with terms up to 12 months. Still need to establish credit? The FORWARD Loan is a great place to start!

This is also known as a personal loan because you can use it for whatever you want. Signature loans are used to pay bills, purchase gifts or a vacation, or to get you through a squeeze in your budget. ēCO can pre-approve your credit limit for easy access. Loan limits are based on your credit history, income and current obligations.

This type of loan allows you to borrow at ēCO’s lowest rates by using your credit union savings as collateral. You’ll also receive liberal repayment terms.

The Smart Option Student Loan® for ēCO Credit Union by Sallie Mae®
For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

 The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

Get Started

ēCO also offers a variety of other loans to meet your needs:

  • Boat Loans
  • Recreational Vehicle Loans
  • New Furniture Loans
  • Computer Loans
  • More!

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APR - Annual Percentage Rate