CLOSE SMART SEARCH LOCATIONS CONTACT ECU ONLINE UPDATE PERSONAL INFO CLOSE MENU AUTOMORTGAGECREDIT CARDSRV & POWERSPORTSPERSONALSTUDENTEQUIPMENT Loans ECU's loans offer competitive rates and flexible options to meet your needs. ECU's affordable loans and mortgages offer flexible options to fit your lifestyle. If you have an auto, boat, RV, or farm equipment loan or mortgage with another institution, chances are ECU can save you money. We save members money every day! It's what we do. Competitive rates Flexible terms Personalized, friendly service Online application 24/7 Electronic Signature Technology Not a member? It's easy! JOIN TODAY DID YOU KNOW? ECU Loan Guardian Do you worry about unexpected life events that could leave you struggling to pay your bills? ECU Loan Guardian is a voluntary service that helps relieve the financial burden of your consumer loan or credit card at a time when income may be reduced or lost to due events such as death, disability, illness and involuntary unemployment. READ MORE Auto Loans Are you in the market for a new or used auto loan? ECU knows choosing the right financing option for your new purchase is an important decision and that’s why we have auto loans to fit most budgets and lifestyles. With our competitive rates, easy process, and selection of financing options, you can’t go wrong with an ECU auto loan. Low rates and affordable payments No application fees or pre-payment penalties Up to 125% financing* Defer your payments for 90 days* Apply and complete your loan completely online – even on your mobile device! Extended term up to 120 months* GAP plans and vehicle service plans available *Certain restrictions apply. Subject to approval. EXPLORE AUTO LOANS LEARN MORE Vehicle Service Programs Dealer Direct Program - RV Discover the convenience of receiving ECU financing right at the dealership! GAP Plans Apply Now Mortgage & Home Equity Loans ECU offers mortgages that feel like home, with a variety of options customized for you. Our team of experienced professionals will be right by your side to walk you through the loan process and make the transaction as smooth as possible. You can also take comfort in knowing your mortgage never leaves our hands. From the time you apply for your ECU mortgage until the day you make your final payment, your loan remains right here with ECU. Competitive rates & flexible features Apply in 20 minutes or less, 24 hours a day, 7 days a week Lock your interest rate online for a period of 60 days while you shop Local servicing ensures your payments, questions, and day-to-day managing of your loan is handled locally by ECU Low payment, low rate, and low or no down payment options available Extraordinary Dividend paid on dividends earned or interest paid on mortgage loans and is based on the approval of the ECU Board and member eligibility. SEE ALL MORTGAGE PRODUCTS LEARN MORE Get Expert Advice Wishing you had free housing counseling advice? Speak with an expert today! Mortgage Rates Thinking about purchasing a home? Get current mortgage rates now. Apply for a Mortgage Completing our online application is as easy as 1-2-3. Get started today! Get Pre-qualified Before you start shopping for a home, it's a great idea to get pre-qualified for a loan. Credit Cards ECU Visa® makes your life more manageable with credit card options that give you competitive rates and great benefits. No annual or balance transfer fee Free 24/7 fraud monitoring service Zero Liability Fraud Protection Great Rates, Affordable Payments & Flexible Terms Loan Consolidations Single Payment Loans Personal Lines of Credit Apply 24/7 online or over the phone It’s so easy. Apply for your ECU Visa® credit card today! VIEW CREDIT CARDS For information on the terms and agreements, please view the Cardholder Agreement. LEARN MORE EMV Chip Benefits Transfer Balances ECU Cards App Contactless RV & Powersports Loans Is it time to relax and play in style? Whatever your idea of outdoor fun, ECU can get you there with an RV and Powersports loan for the purchase of a new or used boat, motorcycle, ATV, jetski or camper with most of the same great features as our auto loans. With our competitive rates, easy process and selection of financing options, you can’t go wrong with a RV & Powersports Loan from ECU. What can I finance with an RV & Powersports Loan? Boat, Motor & Trailer Travel Trailer, Motor Home, 5th Wheel or Pop-up camper Truck Camper Motorcycle, ATV or 4 Wheeled Utility Cart And more – just ask your loan officer if your item is eligible for financing. LEARN MORE LEARN MORE Apply Now Personal Loans ECU knows it’s important to be financially flexible, because life is filled with surprises and unexpected expenses. Whether your child needs braces or your car needs repairs, you have the opportunity to take the vacation of a lifetime or just want to consolidate your existing bills, ECU has an option for you with competitive rates and affordable payments. We’ll even do loan consolidations! LEARN MORE LEARN MORE Apply Now Student Loans ECU knows that your college education is one of the most important investments of your life. ECU offers a student loan that is hassle free and has no application fees. ECU’s revolving line-of-credit allows the student to set up the loan one time then make advances each semester to cover costs. Whether you are just out of high school or working on your second career, ECU is here to help with great fixed rates and interest-only payments until graduation. Extended terms up to 25 Years* Great, Fixed Rates No fees or pre-payment penalties No lengthy forms or annual renewal Interest-only payments until graduation Consolidations available *Certain restrictions apply. Subject to approval. FEDERAL LOAN CONSOLIDATION: Federal student loans are funded by the federal government. Private student loans are nonfederal loans, made by a lender such as a bank, Credit Union, state agency, or a school. Federal student loan programs offer various benefits and repayment options, such as income-driven repayment plans or loan forgiveness programs. If You consolidate or refinance Your federal loans with a private lender, such as ECU, You will lose benefits available to federal student loan borrowers. For more information, visit www.ed.gov. LEARN MORE LEARN MORE Consolidate Your Student Loans Request an Advance Apply Now Equipment Loans Whether you need a tractor, bulldozer or golf cart, ECU can help! ECU finances Equipment Loans for up to 15 years*. Used equipment may be financed up to 100% of the wholesale value in the NADA Farm Equipment Guide. What can I finance with an ECU Equipment Loan? Tractor, Hay Baler, Combine, Rototiller Backhoe, Loader, Trackhoe, Forklift, Trencher Cattle & Horse Trailers Cargo Trailer Lawn Mower & Landscaping Equipment Golf Cart Box Truck, Dump Truck, Two Truck, Flatbed Truck Delivery or Work Van And more – ask your loan officer if your item is eligible for financing. *Minimum loan amount of $1,000. Certain restrictions apply. Monthly payment would be $29 per $1,000. for 36 months at 3.35% Annual Percentage Rate. LEARN MORE Resources for Life SEE ALL RESOURCES Shop Safe Online MORE What's a Rainy Day Fund? Being prepared for unexpected expenses is vital to financial freedom! MORE GreenPath Resource: Money Matters for Kids Ways to teach financial responsibility, no matter what age your children are. MORE Eastman Credit Union 2021 Meadowview Lane Kingsport, Tennessee 37660 Phone: 800.999.2328 JOIN TODAY ABOUT About ECU ATMs & Branches Careers News & Events Newsletter SERVICES Loans Personal Banking Investments & Retirement Business Banking ECU Title & Escrow RESOURCES Rates Educational Resources Calculators Report Lost/Stolen Card Routing/Transit Number: 264279350 © 2021 Eastman Credit Union. All rights reserved. Privacy Policy | Online Privacy Notice | CA Privacy Policy | Other ECU Policies | Web Accessibility Statement This Credit Union is federally insured by NCUA.