Loan Rates | Loan Application

Share/Certificate Loans

• Fixed rate*
• No loan origination fees

• Members pledge their own shares/certificates as collateral

Members who prefer to borrow instead of withdrawing share or certificate funds, and members who wish to establish or re-establish credit find E&A Share/Certificate Secured Loans beneficial. These fixed-rate, secured loans offer members the opportunity to borrow money using their own funds as security at a lower rate of interest than other loans.

Home Improvement Loans

• Fixed rate*
• Interest only charged on unpaid balance
• Terms of up to 60 months available
• No application fee
• No down payment required

Whether the purpose for home improvements or repairs, additional space or just sprucing up the home, E&A members find our loans affordable and fast. Why?  Because we simply utilize our signature loans, with a special interest rate, so there are no appraisals or liens to process.

*Annual Percentage Rate is based on creditworthiness.