Automatic Payments

Manage your payments the easy and convenient way.  You can have your loan payments deducted directly from your payroll, or other direct deposit, or from any of your accounts at ECFCU.  By matching your payment to your weekly, bi-weekly, semi-monthly, or monthly deposit(s), you never have to worry about missing a due date.

First-Time Buyers

Purchase your first car or truck with confidence!  ECFCU offers great first-time buyer rates and terms to get you into the vehicle you need.  This program is perfect for those with little or no credit that are ready to build their credit history.  We take the time to make sure you have a good understanding of the purchase and loan process before you buy.  Contact us first to get started.  (Some restrictions apply.  Not all applicants will qualify.)

Credit Life and Credit Disability Coverage

Protect your family from the unexpected with convenient and affordable coverage.  Credit life insurance pays the balance of your loan in the event of your death while credit disability insurance makes your loan payments if you become disabled.  Give your family the peace of mind when they may need it most.  (Eligibility requirements and policy maximums apply.)

Guaranteed Asset Protection (GAP)

Safeguard yourself from having to make loan payments in the event your vehicle is declared a total loss due to accident or theft.  GAP can pay the difference or “gap” between your insurance settlement and the amount you still owe for a low one-time fee at financing.  (Some restrictions apply.)

Mechanical Breakdown Protection (MBP)

Shield yourself from future vehicle repair costs when you finance with ECFCU.  MBP will reimburse you (or an authorized repair facility) the cost to repair or replace any covered component of your vehicle.  This economic alternative to an extended warranty can be purchased on new or pre-owned vehicles.  (Administered by American Mercury Insurance Company.  Some limits, conditions, and exclusions apply.)