As a not-for-profit financial cooperative, the ELCA Federal Credit Union can offer lower loan rates than most other financial institutions. 

Benefits header

Loan accounts include the following FREE services:

Auto loans

Auto Loans


Auto Loans for the purchase or refinancing of a new or used car, motorcycle, power-sport and recreational vehicles.

Personal Loans

Personal Loans


Personal Loans to help pay for school expenses, home remodeling, unexpected car repairs, consolidate credit card debt or finance a special project. 

Personal Line of Credit

Personal Line of Credit

Handy Line

The Handy Line of Credit gives you access to cash when you need it. It's perfect for special purchases, managing credit card debt or to be prepared for unexpected expenses.

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"Marie has been wonderful! Extremely thorough and she has explained everything along the way. Customer service level: expert. She helped me consolidate loans and reduce my interest rates, saving me hundreds of dollars over the life of the loans. The whole process could not have been easier. Personal touch at every step along the way!"
Brooks Rankin | Member, Faith Lutheran Church Waconia, Minnesota

Mobile App: Account Access Whenever, Wherever


With our mobile app available for Android, Apple and Kindle devices, you can:

  • Deposit checks using Mobile Deposit Capture*
  • Search for a free ATM nearby
  • Pay bills
  • Transfer funds to/from internal and external (A2A) accounts
  • Send money to anyone by text or email using Person-to-Person payments (P2P)
  • Sign up for eAlerts and much more

*First-time mobile deposit users must complete a brief enrollment process. Launch our app, select Mobile Deposit and then click Sign Up to enroll.  New users are typically approved by the following business day.  Normal check-hold policies apply.


Download from Ap Store  Download from Google Play

Free Online Banking: Freedom to Bank from Wherever You Are


Every ELCA Federal Credit Union feature is at your fingertips, quickly, securely and completely free with It’s Me 247 online banking.

  • Access all of your account details online, including account balances, pending transactions and a complete transaction history with links to images of checks
  • Transfer funds between your savings and checking accounts, credit cards and loans
  • Open a checking account, secondary savings account or CD
  • Apply for a loan or credit card
  • Get your free monthly eStatement online as soon as it’s ready. No waiting for the mail. And because it’s paperless, it’s the green way to bank.
  • Set up free eAlerts to let you know if an account balance is low or high, when an automatic withdrawal or deposit is made or when a loan payment is due
  • Complete Member-to-Member (M2M) transfers, which allow you to transfer funds immediately and directly to other ELCA Federal Credit Union members
  • With Account-to-Account (A2A) Transfers you can link your ELCA FCU account with your accounts at other financial institutions and transfer funds to and from these accounts free of charge.
  • Quickly and easily transfer funds to anyone using Person-2-Person (P2P) payments. All you need is an email address or cell phone number. This service is free of charge and in most cases, the money arrives in just a couple of days. Must be enrolled in our free bill pay.

Free Bank by Phone with CU*Talk



Access your account information 24/7 with a simple phone call. It’s a quick and convenient way to access your credit union accounts and many credit union features.

Use CU*Talk to:

  • Check balances
  • Transfer funds between accounts
  • Hear recent account activity such as recently cleared checks

CU*Talk is available in English and Spanish and it’s completely free. 



Stay on top of your finances by enrolling for eAlerts.  Receive an email or text message to notify you of any of the following:

•    When your account balance is above or below a designated threshold
•    When an ACH deposit or withdrawal occurs
•    Loan payment due date  
•    General account notices for overdrafts, CD maturity and more


Free eStatements


Enroll online now to receive eStatements – the faster, greener, paperless way to track account activity. Your 12 most recent eStatements will always be available online and at the beginning of each month, you’ll be notified by email when your eStatement is ready to view or download. Download your account information into your choice of Microsoft Money, Intuit Quicken, or Intuit Quickbooks and CSV format. Also available is the legacy file version (QIF) for use in older programs.

Enroll now! 

Paper statements are available for $1 per month to cover printing and postage costs.