Loan Rates

"KNOW YOUR CREDIT SCORE"

Rates are based on your credit!

Unsecured Loans

Credit Score

  APR (Annual Percentage Rate)

680+

  10%

640 - 679

  12%

550 - 599 

  16%

549 and below

  18%

Titled Vehicles

  APR (Annual Percentage Rate)

  6%

  8%

  10%

  12%

  14%

 

80% of retail on vehicles 5 years & older - Financing up to 60 Months

 Home Equity

6.5 % APR (Annual Percentage Rate)

 60 Months

 Home Equity 

   7 % APR

 120 Months

 Home Equity

 7.5% APR

 180 Months

 

*Changes to your employment status and/or your annual income will result in the reduction or elimination or your existing (line-of-credit) Signature Loan.  Income verification will be required every three years. 

 * Maximum - $ 10,000.00

 

Download The Eastpointe Community CU Loan Application!
Download this Adobe Acrobat file, print, fill out and return to the credit union.
 
 

Direct Deposit Means Added Convenience

Direct Deposit is the ultimate in check depositing convenience.  If you are not already taking advantage of this time-saving convenience, we'll make it worth your time to sign up for Direct deposit.

 

CPI -  COLLATERAL PROTECTION INSURANCE

As part of your contract with the Credit Union, it is a requirement that full automobile insurance coverage be maintained until the automobile loan is paid in full.  Failure to maintain full coverage may result in ECCU placing insurance on your vehicle at your expense.

Mortgages Now Available Through Mortgage Center

You've come to depend on your credit union to be the first-name in convenience and value.  Are you aware that this holds true with our Mortgage options, too?

Through Mortgage Center, we offer a line of Mortgage products with competitive rates, low fees, and great service.  And there are many choices - whether you're a first-time home buyer or looking to re-finance.

Best of all, you can apply online at www.mtg-ctr.com, by phone at (888) 562-6865, or by calling Eastpointe Community Credit Union.  Call the Mortgage Center or hop online to apply and get your formal approval today!

Credit Reporting Agencies:

Experian: 888-397-3742 www.experian.com

Equifax: 800-658-1111 www.equifax.com

TransUnion: 800-888-4213
www.transunion.com 

 Important Loan Notice

Due to the enactment of the Credit Card Act of 2009 the Credit Union will be changing the due date for certain types of loans.  The due date for loans affected by the legislation will be changed to the 28th of the month effective for your October payment.  Not all loans are affected by this change.  Your payment due date will be displayed on your account statement.  Please review your account statement to verify the due dates of your loans.

Please contact the Loan Department at 586-775-3160 for details on how your loan(s) will be affected by this change.  We apologize for any inconvenience this may cause.

 


Eastpointe Community Credit Union
22544 Gratiot Ave.
Eastpointe, Michigan 48021
586.775.3160
Fax: 586.775.2074
info@eastpointeccu.com