Want to lower your monthly car payment? Let EECU refinance your current auto loan, and you could save $125 or more per month**, plus hundreds—or even thousands of dollars—on interest charges over the loan’s lifespan. Plus make no payments for 90 days!

Please note: refinancing is not available for autos already financed with EECU!


Key features:

  • No application fee
  • No payments for 90 days*
  • 100% financing available
  • Fast & Easy: Apply in 5 minutes or less
    Fast & Easy: Apply in 5 minutes or less

* This offer is to refinance an auto loan from another lender and is subject to credit approval and lending policies. Minimum refinanced auto loan amount is $15,000 to qualify for cash bonus. If the refinance is approved, cash bonus will be deposited to member share account 30 days after booking. The value of the cash bonus may be reported to the IRS, and the recipient is responsible for any federal, state, or local taxes on the cash bonus. Offer may require loans to be older than 90 days. Not valid with loans currently financed with EECU. Maximum auto loan rate is 18.00% Annual Percentage Rate. 90-day delay in first payment with additional credit approval that may differ from the loan approval. Interest will accrue during the payment deferral period. EECU does not charge an application fee. Vehicle title transfer fees will apply. Vehicle titling fees may differ depending on your county of residence. Additional terms and conditions apply. Offer and rates subject to change without notice. Membership required – membership information available at eecu.org. By applying, you certify that all information provided by you at the time of acceptance is true, correct, and complete and that you are (a) at least 18 years of age and legally able to enter into a contract for the extension of credit and (b) a U.S. citizen or permanent resident.

** Monthly payment saving is based on the anticipated payment reduction of a member refinancing the average auto loan amount of $32,000 from another lender and extending their existing loan term from a remaining 48 months up to 60 months with a 6.24% Annual Percentage Rate. Actual savings may vary.

Lower Your Monthly
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(Actual savings may vary.)

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Cash Bonus* of

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Additional auto loan benefits

  • Free Online and Mobile Banking
    Free Online and Mobile Banking
  • Free Electronic Bill Pay
  • Free Online Financial Management Program

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Coverage designed to fit your needs

These optional products help protect you against the unexpected. Do you have the coverage you need? Ask us for more information!

Credit Insurance

Sometimes the unexpected happens. Credit insurance helps protect you if you can’t make your auto loan payments because of unexpected illness or injury.

Gap Insurance

Your loan amount may be larger than the value of the vehicle. GAP Insurance protects you by covering that difference, in the event of an accident.

Major Mechanical Protection

Avoid the unnecessary stress of having to cover costly repairs! Have peace of mind knowing that you're protected against future mechanical breakdowns.

Understanding auto loans

Being informed means you’re empowered to make smart financial decisions. And by making smart financial decisions, you’ll avoid common mistakes, save more, and invest better. These online courses help you better understand how auto loans work and best practices for paying off debt.

Auto Loan Literacy

Auto Resource Center

Already have an auto loan with EECU? The Auto Resource Center is where you can find common support topics, answers to frequently asked questions, and important program details.

Visit the Resource Center

Personal Loan as low as 6.99% APR*

Need a little extra for the holidays? Or maybe you're paying too much on your credit cards? An EECU Personal Loan, with a rate as low as 6.99% APR*, could help you save thousands.

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$0 Down Mortgage

Our $0 down mortgage allows you to own the home you want, without the stress of finding the down payment.

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Schedule a FREE, no obligation mortgage review today!

Love your home, but not your loan? Mortgage rates are near record lows, making this a perfect time to revisit your mortgage.

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Real members. Real stories.

Working with EECU has been fantastic! I received great customer service on my auto loan, and was helped every step of the way. I recommend EECU to all my friends and family.

Elizabeth Steinkamp
Member Since 2017

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