*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.
Already a Member?
Log in to your account in online banking and select “New Accounts” to open a checking account.
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New Member
Apply now to become a member of the ELCA Federal Credit Union and gain access to checking accounts and more.
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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 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 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

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 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
Learn More >>

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
Learn More >>

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
Learn More >>

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
Learn More >>

Personal Line of Credit


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
Learn More >>

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
Learn More >>

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
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
0.20%
Regular Share
0.20%
Regular Share
0.20%
Regular Share
0.20%
Regular Share
0.20%
Regular Share
0.20%
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, APY of
1.00%
$5,000 and above, APY of
1.00%
$1,000 to $4,999.99, APY of
1.00%
$5,000 and above, APY of
1.00%
$1,000 to $4,999.99, APY of
1.00%
$5,000 and above, APY of
1.00%
$1,000 to $4,999.99, APY of
1.25%
$5,000 and above, APY of
1.25%
$1,000 to $4,999.99, APY of
1.25%
$5,000 and above, APY of
1.25%
Open A Certificate Of DepositLearn More >>

APY: Annual Percentage Yield

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
0.20%
Regular Share
0.20%
Open A Ministry Savings Account Or CD
Regular Share
0.20%
Regular Share
0.20%
Open A Ministry Savings Account Or CD
Regular Share
0.20%
Regular Share
0.20%
Open A Ministry Savings Account Or CD
Learn More >>

Ministry Certificates of Deposit

A Greater Return, Flexible Terms
$1,000 to $4,999.99, APY of
1.00%
$5,000 and above, APY of
1.00%
Open A Ministry Certificate Of Deposit
$1,000 to $4,999.99, APY of
1.00%
$5,000 and above, APY of
1.00%
Open A Ministry Certificate Of Deposit
$1,000 to $4,999.99, APY of
1.00%
$5,000 and above, APY of
1.00%
Open A Ministry Certificate Of Deposit
$1,000 to $4,999.99, APY of
1.25%
$5,000 and above, APY of
1.25%
Open A Ministry Certificate Of Deposit
$1,000 to $4,999.99, APY of
1.25%
$5,000 and above, APY of
1.25%
Open A Ministry Certificate Of Deposit
Learn More >>

Ministry Checking Account

No Minimum Balance. No Maintenance Fees.

Small Ministry Loan - Fixed Rate

Unsecured up to $100k; up to 120 Months
Annual Percentage Rate
6.750%
Begin Loan Application
Learn More >>

Small Ministry Loan - Adjustable Rate

Unsecured up to $100k; up to 60 months
Annual Percentage Rate
6.625%
Begin Loan Application
Learn More >>

Ministry New Auto Loan

2022 & Newer
Annual Percentage Rate
4.49%
Begin Loan Application
Annual Percentage Rate
4.99%
Begin Loan Application
Annual Percentage Rate
5.49%
Begin Loan Application
Annual Percentage Rate
5.99%
Begin Loan Application
Annual Percentage Rate
6.74%
Begin Loan Application
Learn More >>

Ministry Used Auto Loan

2020 - 2015 Models
Annual Percentage Rate
5.74%
Begin Loan Application
Annual Percentage Rate
5.74%
Begin Loan Application
Annual Percentage Rate
5.99%
Begin Loan Application
Annual Percentage Rate
6.49%
Begin Loan Application
Annual Percentage Rate
7.49%
Begin Loan Application
Learn More >>

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.