Tools you can use at every step of your
home ownership journey. No hardhat required.

Buying a new home. Planning a home improvement project. Refinancing. We offer products for all of your home loan needs.

The ELCA Federal Credit Union is federally insured by the NCUA. This advertisement is brought to you by the ELCA Federal Credit Union. Click “Get Home Loan Info” for full disclosures.

New: Youth Checking and Savings Accounts

A great way to teach teens, ages 13-17, to become skillful and responsible managers of their money.

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ELCA FEDERAL CREDIT UNION
WORLD MASTERCARD^©

Low rates start at 14.99% APR* for purchases and balance transfers with no annual fee.^†

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Click “learn more” for disclosures.

A responsible choice.
Environmentally and financially.

As we all work to lessen our environmental footprint, the recently enacted Inflation Reduction Act offers an added incentive to ELCA congregations and ministries: a Direct Pay Program providing rebates for clean energy investments.

The ELCA Federal Credit Union in partnership with the Mission Investment Fund can help with all clean energy projects.

Learn More

Building a credit history? Let's work on it together.

Whether you need to establish or reestablish a credit history, we offer a variety of loan products and other tools to help you do so, with more favorable rates and terms than those offered by traditional financial institutions.

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Auto & Personal Loans

Access & Manage Money

Ministry Solutions

Vehicle Protection

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

Start growing financial confidence and positive banking habits today.

Opening a Youth Checking or Savings Account builds good, lifelong financial habits. Parents or guardians can oversee account activity and add funds, while teens have the opportunity to grow their financial literacy.

Learn more about Youth Accounts

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

Become a partner of 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 Workplace Banking

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.

Learn more about Checking

Pay for major expenses or consolidate credit card debt.

Members can apply for personal loans of up to $25,000 starting at 7.99%.

Learn more about Personal Loans

Your destination for new and used car loans.

ELCA Federal Credit Union auto loans start at 3.99% 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.

Get Free Quote Learn More About Vehicle Protection

A hard-working debit card.

The ELCA FCU MasterCard debit card gives you access to 30,000 surcharge-free ATMs nationwide.

Learn more about Checking

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 12.49%.

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 14.99% 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

Tools you can use at every step of your home ownership journey. No hardhat required.

New: Youth Checking and Savings Accounts

ELCA FEDERAL CREDIT UNION WORLD MASTERCARD©

A responsible choice. Environmentally and financially.

Building a credit history? Let's work on it together.

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

Start growing financial confidence and positive banking habits today.

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

A way to relieve the financial insecurity of our rostered leaders

Free yourself from checking account fees.

Pay for major expenses or consolidate credit card debt.

Your destination for new and used car loans.

Put the brakes on excess finance charges.

Get your vehicle’s warranty to work overtime.

A hard-working debit card.

The app that makes your money more mobile.

Don’t let unexpected expenses catch you unprepared.

Why pay high credit card rates and fees?

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

Tools you can use at every step of your
home ownership journey. No hardhat required.

ELCA FEDERAL CREDIT UNION
WORLD MASTERCARD^©

A responsible choice.
Environmentally and financially.