A helpful tool when making home improvements:
the ELCA FCU Home Equity Line of Credit.

Renovating, restoring, repairing, or tackling any other big home project? Consider financing the work with our Home Equity Line of Credit, with member rates as low as 8.49% APR*.

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Earn 4.00% APY* with our 13-month CD Special.

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Now Available:
Mortgages for ELCA FCU Members.

Whether you’re in the market to buy a new home or remodel your existing one, the ELCA Federal Credit Union is here to help.

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Low rates start at 12.99% APR* for purchases and balance transfers with no annual fee.

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Turn to us for hassle-free home mortgages and more.

Get competitive rates and expert, personalized service when buying a home, refinancing an existing mortgage, or taking out a home equity line of credit.

Learn more about Home Loans

Ministry leaders—Share valuable, no-cost banking benefits with your employees and volunteers.

Become a partner of CU@Work, our workplace banking program, to provide employees and volunteers with free financial benefits, including early access to paychecks, free credit report analysis, and many others.

Learn more about CU@Work

A way to relieve the financial insecurity of our rostered leaders

With the joint support of the ELCA Federal Credit Union and the Mission Investment Fund, the Resourceful Servants program is showing ELCA ministries, seminarians and congregations a path to greater financial wellness.

View Resourceful Servants video

Free yourself from checking account fees.

No minimum balance requirement or monthly maintenance fees. Bill Pay and Overdraft Protection are free.

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Pay for major expenses or consolidate credit card debt.

Members can apply for personal loans of up to $25,000 starting at 8.49%.

Learn more about Personal Loans

Your destination for new and used car loans.

ELCA Federal Credit Union auto loans start at 4.99% for up to 36 months.

Learn more about Auto Loans

Put the brakes on excess finance charges.

Members who have used an ELCA FCU Auto Loan to refinance their vehicles have averaged over $1,500 in savings on finance charges.

Learn more about Auto Loans

Get your vehicle’s warranty to work overtime.

Whether or not you have an ELCA FCU auto loan, our Mechanical Breakdown Protection can help you avoid big repair bills.

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A hard-working debit card.

The ELCA FCU MasterCard debit card gives you access to 34,000 surcharge-free ATMs nationwide.

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The app that makes your money more mobile.

The ELCA FCU mobile app offers remote deposit capture and ATM locator, and lets you pay others by text or email.

Learn more about Checking

Don’t let unexpected expenses catch you unprepared.

Get a Personal Line of Credit for up to $25,000, starting at 12.99%.

Learn more about Personal Line of Credit

Why pay high credit card rates and fees?

Rates on the ELCA Federal Credit Union World MasterCard start at 12.99% fixed for purchases. Same low APR for balance transfers and cash advances, and no additional fees.

Learn more about the Credit Card

"It’s wonderful to be using a service that's connected to our church and is part of the church's ministry and mission."

vicki garber
Head Pastor (retired), Gloria Dei Lutheran Church, Crestview Hills, Kentucky