Apply for your loan here! *APR = Annual Percentage Rate. Rates and terms are subject to change at any time without notice.  Loan includes the Annual Percentage Rate of 12% for a 12-month term, with a maximum amount of $12,000.  Minimum loan amount of $1,000 is required. Some restrictions and normal credit standards apply.  Offer subject to conditions of approval.  Ask us for further details.  E&A Credit Union is a Not-for-Profit, member-owned financial institution, which does business in accordance with the Equal Credit Opportunity Act.  This offering is valid from November 2, 2009 through December 31, 2009.