Loan Products

EPCU has switched Credit Life & Disability carriers and are now partnered with Minnesota Life. Members who were previously covered by Pekin are still covered under the Securian Plan. For more information see our Credit Life & Disability Consolidation Certificate.

Secured Loans

New/Used Vehicle Loan

If thinking about visiting a car dealership makes you break out in a cold sweat, you are not alone. Give us a call before you shop to get pre-approved for an auto loan. Our loan officers will help find the right product to fit your budget. And with our current loan promotion enjoy no payments for the first 60 days!*

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New/Used Motorcycle Loan

We offer financing on more than just cars and trucks. We can also help out with motorcycle loans. From Harley to Honda, we can help fulfill your need for speed. So if two wheels sound better than four, give us a call to get started with your purchase or refinance today!

Home Equity Line of Credit

Make your home work for you with an EPCU Home Equity Line of Credit (HELOC). A HELOC can be a great way to finance major expenses such as home improvements, adding a swimming pool, purchasing new appliances or paying for higher education expenses. It can also be a great way to consolidate high interest debt and lower your monthly payments. Amount borrowed will vary from home to home based on available equity and is only available on your primary residence.

*Interest will continue to accrue during this 60 day period. Promotion may end at any time.

Power Sports Loans

RV & Campers

Keep the good times rolling and hit the road with a new RV, Travel Trailer or Camper. EPCU offers financing for all types of recreational equipment and can finance up to 100% of the value depending on the year of the vehicle. We offer a variety of terms and options for mechanical breakdown.

Boat & ATV Loans

By land or by sea, we can keep you in the driver’s seat! EPCU offers loans for boats (with or without the trailer included) and ATV’s, with a variety of terms available for both new and used Terms vary based on year and mileage. For vehicles without a title, a Uniform Commercial Code (UCC1) filing will be required.

Lawn & Garden

Looking for a way to finance your lawn and garden equipment? Look no further than EPCU. We can do that too! Build your dream garden, turn your backyard into an oasis, or get your farm up to speed with a loan from EPCU. John Deere Green or any other color for that matter, call us, we can help.

Personal Loans

VISA Credit Card

Don’t settle for a high interest rate! Transfer over balances or complete cash advances without added fees and get an EPCU Visa Credit Card at a low introductory rate.

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Personal Loans

Need extra cash but don’t want to mess with another card in your wallet? No problem. We’re here to help you with our low interest Personal Loan that can be used for all of your borrowing needs. This is a great option for consolidating debt with one low monthly payment.

Share Secured Loans

Let your money work for you. You can borrow against your deposits at the credit union for a great low rate. This loan must be totally secured by a Share account or Share Certificate at Energy Plus CU. Funds can be deposited directly into your checking or savings account for easy access.

Overdraft Protection Loans

Loans are available to qualified members with a Share Draft Checking Account to help with overdraft items. Fees may apply and you must have Direct Deposit at the credit union to apply for this loan.