*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.
*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.
*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.
*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.
*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.

Rates

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

2023 & Newer
As Low As*
4.99%
APR
New Auto Loan Calculator
Apply Now For A New Auto Loan
As Low As*
5.99%
APR
New Auto Loan Calculator
Apply Now For A New Auto Loan
As Low As*
6.24%
APR
New Auto Loan Calculator
Apply Now For A New Auto Loan
As Low As*
6.99%
APR
New Auto Loan Calculator
Apply Now For A New Auto Loan
Learn More >>

Used Auto Loan

2022 - 2016 Models
As Low As*
6.49%
APR
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
As Low As*
6.99%
APR
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
As Low As*
6.99%
APR
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
As Low As*
7.74%
APR
Used Auto Loan Calculator
Apply Now For A Used Auto Loan
Learn More >>

Personal Line of Credit


Unsecured Loans

Personal Loan
As Low As*
8.49%
APR
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
As Low As*
9.49%
APR
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
As Low As*
10.49%
APR
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
As Low As*
11.49%
APR
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
As Low As*
12.49%
APR
Unsecured Loan Calculator
Apply Now For An Unsecured Loan
Learn More >>

Credit Card Rates

The ELCA Federal Credit Union's World Mastercard® comes with a great low rate and no annual fee.

World Mastercard® Credit Card

The Alternative to Big Bank Card Fees

Checking Rates

Completely free checking is yours through the ELCA Federal Credit Union. No maintenance fees. No minimum balance requirement.

Checking Account

AVG Daily Balances of $2,500 + Direct Deposit Earn

Savings and CD Rates

Make the most of your savings with an ELCA Federal Credit Union savings account, Christmas Club Savings Account or CD.

Savings Accounts

Regular and Secondary
Regular Share
0.25%
APY
Regular Share
0.25%
APY
Regular Share
0.25%
APY
Regular Share
0.25%
APY
Regular Share
0.25%
APY
Regular Share
0.25%
APY
Open A Savings AccountLearn More >>

Christmas Club Savings Account

A Debt-free Christmas

Certificates of Deposit

Stash Cash for Bigger Earnings
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
Open A Certificate Of DepositLearn More >>

Certificates of Deposit Special

Limited-Time Offer

Ministry Solutions

Savings, CDs, checking accounts, and church and ministry loans—we offer a variety of financial tools for managing ministry finances.

Ministry Savings Account

Prepare For Your Ministry's Future
Regular Share
0.25%
APY
Regular Share
0.25%
APY
Open A Ministry Savings Account Or CD
Regular Share
0.25%
APY
Regular Share
0.25%
APY
Open A Ministry Savings Account Or CD
Regular Share
0.25%
APY
Regular Share
0.25%
APY
Open A Ministry Savings Account Or CD
Learn More >>

Ministry Certificates of Deposit

A Greater Return, Flexible Terms
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
Open A Ministry Certificate Of Deposit
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
Open A Ministry Certificate Of Deposit
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
Open A Ministry Certificate Of Deposit
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
Open A Ministry Certificate Of Deposit
$1,000 to $4,999.99
3.00%
APY
$5,000 and above
3.00%
APY
Open A Ministry Certificate Of Deposit
Learn More >>

Ministry Certificates of Deposit Special

Limited-Time Offer
Learn More >>

Ministry Checking Account

No Minimum Balance. No Maintenance Fees.

Small Ministry Loan - Fixed Rate

Unsecured up to $100k; up to 120 Months

Small Ministry Loan - Adjustable Rate

Unsecured up to $100k; up to 120 months

Ministry New Auto Loan

2023 & Newer

Ministry Used Auto Loan

2022 - 2016 Models

Ministry World Mastercard Credit Card

Deposit Secured

*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. Advertised auto loan rates include automatic payment option. Rates are 0.25% higher without automatic payment option. Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.

APR = Annual Percentage Rate. APY = Annual Percentage Yield.

Home Loan Rates

Have access to extra cash with a home equity line of credit from the ELCA Federal Credit Union. Buying a home or refinancing? Get a mortgage quote here.

Home Equity Line of Credit

5-Year Draw & 10-Year Repayment
As Low As
7.49%
APR
Contact Us
Annual Percentage Rage
4.99%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Annual Percentage Rage
5.49%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Annual Percentage Rage
5.74%
New Auto Loan Calculator
Apply Now For A New Auto Loan
Learn More >>
Already a Member?
Log in to your account in online banking and select “New Accounts” to open a checking account.
Login
New Member
Apply now to become a member of the ELCA Federal Credit Union and gain access to checking accounts and more.
Apply Now
Already a Member?
Log in to your account in online banking and select “New Accounts” to open a secondary savings account.
Login
New Member
Apply now to become a member of the ELCA Federal Credit Union.
Apply Now
Already a Member?
Log in to your account in online banking and select "New Accounts" to open a Christmas Club savings account.
Login
New Member?
Apply now to become a member of the ELCA Federal Credit Union.
Apply Now
Already a Member?
Log in to your account in online banking and select" New Accounts" to open a Certificate of Deposit.
Login
New Member?
Apply now to become a member of the ELCA Federal Credit Union.
Apply Now