ECFCU Loans

Electric Cooperatives Federal Credit Union is your go-to source for low cost loans for almost any need!

Apply for a Loan


New and Used Auto Loans

When you’re in the market for a new or used vehicle, talk to your credit union first! We offer competitive rates and easy terms, plus you can get pre-approved before you shop!

Auto Loan Refinancing

Refinancing your auto loan from another lender is a great way to put a few extra bucks back in your pocket! Often times, your credit union can meet or beat your existing rate from another lender, so bring us your auto loan today!

Recreation Loans

Our low rate recreation loans makes enjoying your life more affordable than ever. We finance any of the following and more!

  • Campers & RVs
  • Boats & Personal Watercraft
  • Motorcycles
  • ATVs
Personal Loans

Our Signature and Line of Credit Loans can be used for almost any need. We offer competitive rates and terms and an easy application process.

Student Loans

Pay for college the smart way! Our Smart Option Student Loan® by Sallie Mae® offers a variety of benefits and an easy application process.


GAP Insurance and Route 66 Warranty available. Some conditions apply.

Credit Cards

Earn rewards with an ECFCU VISA Credit Card and also enjoy these great benefits:

  • No Annual Fee
  • Earn Score Card Reward Points 
  • ezCard Online Card Access

Use your ECFCU VISA® Rewards card and earn points redeemable for travel, merchandise and more!

Apply today!
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The mission of the Electric Cooperatives Federal Credit Union, a financial cooperative, is to provide sound competitive financial services to those individuals who are associated with the Electric Cooperatives of Arkansas.


Insured by NCUA Logo and Equal Housing Lender logo
Contact us
Mailing Address: P.O. Box 194208, Little Rock, AR  72219