Personal / Signature Loans


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Personal (Signature) Loans

Whatever the reason, an ERCU Personal Loan will give you the flexibility that you’re looking for.

Personal loans are loans secured by your signature. These include insta loans, just cause loans, Christmas loans, and share draft lines of credit. These may be an option for members who have been employed continuously for a minimum of three months with a repayment period of up to 60 months. Single payment, short term loans, are also available ($3,000 maximum w/ 6 month term).

Benefits of Emergency Responders Credit Union Personal Loans:

  • Typically lower interest rates
  • Closed end loans with flexible terms, from 12 to 60 months
  • Fixed-rates, so you can better plan for your budget!

Christmas Loans

Christmas loans are specific purpose loans to provide for holiday shopping and have a 12 month repayment cycle.

Other Loans

Your credit union provides loans to you for productive purposes for a variety of loan types. Our underwriting standards focus on character, capacity to repay, and credit worthiness; not simply what your beacon score may be. We use a loan system that encourages pre-approval for loans and minimizes members having to “re-qualify” each time they need to borrow monies. Why not get started now by completing an application and send it to the office?! The credit union offers life insurance, disability insurance, vehicle maintenance contracts and Guaranteed Asset Protection (GAP) insurance at extremely competitive rates. Simply another way we save you money.


Apply for a Emergency Responders Credit Union Personal Loan today!
Please email, call the credit union at: (336) 723-0619, or visit our office.