We like to say “YES!”
When you need to borrow for any worthwhile reason, we treat you like you own the place – because you do. We approve loans based on your credit-worthiness and ability to repay, but we take pride in knowing our members personally. It’s not just about a credit score that pops out of the computer. You are able to talk personally to a decision-maker.
Loan rates vary with marketplace interest rates so please check our Loan Rate Sheet or contact us for current rates and terms.
Types of Loans we offer
Emerald Empire FCU is pleased to offer a wide range of loan products to meet your financial needs.
Credit Builder Loans
If you’ve had credit problems and are having trouble obtaining a loan, we can help you rebuild your credit. Borrow up to $1,000 for 12 months. The funds are deposited in your savings account and held there as collateral while you make payments at a very low rate. When you are done making payments, the money is there in your savings account for you – and best of all, you just strengthened your credit.
Whether you’re buying a new car, a used car, a motorcycle, talk to us before you buy! We will meet or beat any car dealer rate you show us** Better yet, come in before you go car shopping. We can pre-approve you for a loan and help you figure out how much you can reasonably spend before you hit the car lot. New vehicles can be financed up to seven years, used vehicles for five years. We can also refinance existing auto loans.
** Subject to credit and loan-to-value qualifications. Contact us for current rates and terms available on our Auto Rate Matching program.
Need some cash to help with unexpected costs? A car repair, a broken tooth, worn out clothes washer. Personal loans are just the ticket: You can borrow up to $10,000, and pay it off over as much as four years.
PAL (Short-Term Loan)
Be careful of those high-cost pay-day loans. If you get in a pinch, see us about our alternative pay day loan: Borrow up to $500 with up to a 60-day repayment period. Your paycheck won’t be eaten up by high fees. We charge only a $20 processing fee.
We’re not talking winter, spring, summer or fall. We’re talking about the expensive “seasons”: back-to-school season, holiday season, tax season. If you fall short, we can lend up to $2,500 with a repayment term of 11 months, a low interest rate.
Personal RV loans
If you are thinking of a boat, RV, snowmobile or watercraft, come talk with us. We can offer repayment over as much as 10 years on new purchases and five years on used.
Home Equity Line of Credit
Years of making house payments counts for a lot. We can loan up to 85 percent of the value of your home for any purchase: a new car, a trip to Australia, college expenses or whatever else comes up. You can also use a home equity loan to consolidate other existing loans, and often end up with a lower rate and more manageable payments.