Loans

  • Auto
  • RV
  • Personal
  • Share
  • Visa
  • Home Equity
  • Mortgage

Auto Loans

Education First Credit Union has made it easy to purchase the new or used vehicle of your dreams. We take pride in helping you with your vehicle purchase by offering the same great rates on all vehicle loans, whether you're purchasing a new vehicle off the dealer's lot or a mroe experienced model.

Whether you're looking for a car, truck, or SUV, our financing can help you get what you want and need. Is money tight so a down-payment is not an option, or you don't have a trade-in? Don't worry, Education First provides up to 100% financing on approved credit. Would you like to know how much your payments would be? Try our helpful loan calculator.

Are you 99.7% sure you want to purchase a new vehicle? If so, we encourage you to take advantage of a pre-approved loan. By getting a pre-approval on a loan you will know your purchasing power when looking for your vehicle. You can get pre-approved for a loan by applying online right now! Or call 801-392-4877 or 1-800-292-1198.

Recreational Vehicle Loans

In addition to our other loan products, EFCU can assist you with special vehicle purchases. Listed below are a few types of vehicles you can purchase with an EFCU Recreational Vehicle Loan:

  • Boats
  • Snowmobiles
  • Motorcycles
  • Water Craft
  • ATV's
  • Motor Homes
  • Travel Trailers

Our RV loans are available at competitive rates. We also offer extended terms, so talk to one of our loan officers today at 801-392-4877 or 1-800-292-1198.

Personal or Signature Loans

Occasionally, you need a loan specifically tailored to your individual needs. Perhaps for special medical expenses or a needed vacation. We can help by designing a loan to meet your needs while offering you low competitive rates. Your loan can be processed quickly and conveniently by one of our loan officers.

The amount that we can lend you will vary on factors such as your credit history, income, debts, etc. The important thing to remember is that your credit union is here to help. That is why we consider ourselves a "family of members". So, come in to one of our branches and get a loan for your "Dream Vacation". Or apply online from the privacy of your own home.

Share Pledged Loans

Occasionally, you may have a specific purpose for which you will need extra funds. With an EFCU Share Pledged loan you can continue to earn dividends and not disturb your savings. You receive a special low rate on your loan since you are pledging your savings at the credit union to secure the loan. Extended terms are available to meet most any requirement. You can borrow up to 100% of the amount that you have in your EFCU account. (Sorry, IRA accounts are not eligible to pledge).

For more information on share pledged loans please call 801-392-4877 or 1-800-292-1198 and speak with a member account representative for more details.

Visa® Credit Cards

Education First offers a VISA® Reward card that gives you the convenience, safety, and acceptance of a VISA® Card. Our card is accepted in over six million establishments around the world. The Visa Reward card is tailored to individual needs so you can get the most from your purchasing power.

Why pack cash, your checkbook, and extra credit cards or department store cards, when all you need is the EFCU VISA® of your choice? Your EFCU VISA® gives you the ease, convenience, protection, and freedom you would expect from any competitive financial institution.

Visa® Reward Card

  • Minimum $5,000 credit line
  • Worldwide ATM access
  • No Annual Fee
  • Low Interest Rate
  • 25 day grace period on purchases.
  • Earn 1 point for every $1 spent

Visa® Check Card Features

  • Works like a "plastic check"
  • Accepted like a Credit Card
  • Money is withdrawn from your checking account
  • Over-draft credit line.
  • Earn 1 point for every $2 spent

Check Your Reward Points

Home Equity Loans

Are you growing out of your present house? Are you thinking of expanding? Does your house need a face-lift? Would you like to finish the basement but the credit card bills are piling up? Or has the kids’ idea of an underground pool finally sounded achievable? If so, Education First Credit Union has the right home equity loan for you. We offer 80% combined loan to value home equity lines of credit. Please come in to one of our branches and meet with our exceptional Real Estate staff. We look forward to seeing you. Would you like to know more? Call us at 801-392-4877.

Mortgage Loans

There's never better time to refinance than now! Interest rates have not been this low in 40 years. By refinancing you can lower your interest rate and lower your monthly payment at the same time. You can even pay off all of your bills.

Education First Credit Union offers a full-range of mortgage products to fit your individual needs.

Contact Chad for all your mortgage needs at (801) 392-4877.