Home Loans

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. As a not-for-profit financial cooperative, we offer highly competitive rates coupled with personalized service you can trust.
Home Loan accounts include the following FREE services:

Mobile App: Account Access Whenever, Wherever

With our mobile app available for Android, Apple and Kindle devices, you can:
  • Deposit checks using Remote 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 remote deposit users must complete a brief enrollment process. Launch our app, select Remote Deposit and then click Sign Up to enroll.  New users are typically approved by the following business day.  Normal check-hold policies apply.

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 savings 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

844.231.8043
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.

eAlerts

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.

Loan Rates

If you’re looking for an auto loan, personal loan, or personal line of credit, look to the ELCA Federal Credit Union.

New Auto Loan With Autopay

2022 & Newer
Annual Percentage Rate
3.49%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Annual Percentage Rage
3.99%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Annual Percentage Rage
4.49%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Annual Percentage Rage
4.99%
New Auto Loan Calculator
Apply Now For A New Auto Loan

New Auto Loan Without Autopay

2022 & Newer
Annual Percentage Rate
3.74%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Annual Percentage Rage
4.24%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Annual Percentage Rage
4.74%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Annual Percentage Rage
5.24%
New Auto Loan Calculator
Apply Now For A New Auto Loan

Used Auto Loan With Autopay

2021 - 2015 Models
Annual Percentage Rate
4.74%
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
Annual Percentage Rage
4.74%
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
Annual Percentage Rage
4.99%
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
Annual Percentage Rage
5.49%
Used Auto Loan Calculator
Apply Now For A Used Auto Loan

Used Auto Loan Without Autopay

2021 - 2015 Models
Annual Percentage Rage
4.99%
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
Annual Percentage Rage
4.99%
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
Annual Percentage Rage
5.24%
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
Annual Percentage Rage
5.74%
Used Auto Loan Calculator
Apply Now For A Used Auto Loan

Personal Line of Credit


Annual Percentage Rage
9.99%
Apply Now For A Personal LOC

Unsecured Loans With Autopay

Personal Loan
Annual Percentage Rage
6.99%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Annual Percentage Rage
7.99%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Annual Percentage Rage
8.99%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Annual Percentage Rage
9.99%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Annual Percentage Rage
10.99%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan

Unsecured Loans Without Autopay

Personal Loan
Annual Percentage Rate
7.49%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Annual Percentage Rage
8.49%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Annual Percentage Rage
9.49%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Annual Percentage Rage
10.49%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Annual Percentage Rage
11.49%
Unsecured Loan Calculator
Apply Now For An Unsecured Loan

Secured Loans

Share Secured / Share Rate + 2.50% ($1,000 min.)
Annual Percentage Rate
2.70%
Apply Now For A Secured Loan
Annual Percentage Rage
2.70%
Apply Now For A Secured Loan
Annual Percentage Rage
2.70%
Apply Now For A Secured Loan
Annual Percentage Rage
2.70%
Apply Now For A Secured Loan
Annual Percentage Rage
2.70%
Apply Now For A Secured Loan
** Rates include an automatic payment discount of 0.25% for auto loans and .50% for personal loans. Original owners of an untitled 2018 model year vehicle may qualify for the New Auto Loan rates.
*Rates Subject to Change Without Notice
*All Loan and Credit Card rates start as low as published rates, subject to credit score and overall credit worthiness.
*Payment and interest calculations are estimates only. Final rates and terms are subject to change.
*Payment and interest calculations are estimates only. Final rates and terms are subject to change.
*Payment and interest calculations are estimates only. Final rates and terms are subject to change.
*Payment and interest calculations are estimates only. Final rates and terms are subject to change.
*Payment and interest calculations are estimates only. Final rates and terms are subject to change.
*Payment and interest calculations are estimates only. Final rates and terms are subject to change.