Consumer Loans

New Auto Loans

Elko Federal Credit Union can finance that new auto you have been thinking about. We offer new auto financing at competitive rates and terms. New autos can be financed for up to 100% of purchase price. We offer up to a seven year term for new auto financing.

Used Auto Loans

Elko Federal Credit Union can finance used autos with competitive rates and terms. Vehicles up to five years old can be financed for up to 100% of low book value. We also offer financing for vehicles older than five year models. We offer up to six year terms on these vehicles. Classic vehicles are welcome too.

Recreational Vehicles

Elko Federal Credit Union offers great rates and terms for recreational type products. We can finance up to 100% of purchase price. Loan terms go as long as six years depending on the product type and finance amount.

Travel Trailers

Elko Federal Credit Union also offers terms for both new and used travel trailers. New travel trailers can be financed for up to 100% of purchase price. Loan terms up to 15 years are available depending on the loan amount. Used travel trailers can also be financed for up to 100% of purchase price with a maximum loan term of 10 years.

Credit Cards

Elko Federal Credit Union now offers new credit card products to meet the needs of our members. Ask an employee today or click HERE to see which card would work best for you.
 
If you are a Consumer looking to Pay Down Debt, Earn Rewards, or simply Build credit; we have a product that will suit your needs.

For our Business members, we have products that can be used to Pay Down Debt, Earn Rewards, or we have a Specialty program to meet many of the unique needs your business may have.

      To see your balance and transaction history, click HERE.

Home Equity

For a Limited Time, You Could Win Big with an EFCU Home Equity Loan!

From now through the end of May, close on any EFCU Home Equity Loan and you'll be entered to win a $500 Franklin Lumber Gift Certificate or a Modern Concrete Picnic Table.² 

- Enjoy rates as low as 4.75% APR¹

- Lines of credit up to 100% LTV

- Use funds however you choose

To apply, please visit the Elko branch or call 775.738.4083 and ask to speak with a Loan Sales Specialist. Offer has been extended through May 31st!

¹Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. Published rates are based on approved credit and combined loan-to-value and are adjusted monthly based on the highest Prime Rate. To determine the APR that will apply to your line of credit, we will add a margin to the value of the index if above 80% LTV. Each Home Equity Line of Credit (HELOC) closed during the promotional period will pay no closing costs. Appraisal and title fees do not apply to the no closing costs offer. To qualify for the offer, applications must be completed by May 31, 2018 and close no later than June 15, 2018. To obtain an EFCU loan, you must have or open an EFCU membership and maintain a minimum deposit of $25. ²Contest begins April 1, 2018 and ends May 31, 2018. HELOC applications during the promotional period will be entered in a drawing for a chance to win a $500 Franklin Lumber gift certificate or a custom concrete picnic table from Modern Concrete. Prizes will be determined by the credit union at the time of the drawings. Winners will be notified by the credit union no later than June 30, 2018. Subject to change without notice and at the sole discretion of the credit union.

Unsecured Loans

Elko Federal Credit Union has personal loans available for up to $20,000.00 to help manage your smaller financing needs for just about any purpose. Vacations, weddings, school tuition and supplies, automobile repairs, home improvements, or just some unexpected expense that requires more funds than you have readily available. These small loans are fully amortized for up to five years and are available to credit union members without any loan fee.

Gap Insurance

Protect your auto investment...

Vehicle values decline rapidly. That's why your insurance settlement, in the event of an accident, may not cover your entire loan balance. Unless, of course, you have Guaranteed Asset Protection (GAP)! Gap is designed to eliminate your unpaid auto loan balance in the event your vehicle is stolen or damaged beyond repair (totaled).

Features of an Elko Federal Credit Union's Guaranteed Asset Protection (GAP):

• Waives the difference between your primary insurance settlement when your vehicle is totaled or stolen
• Provides $1,000 towards the financing of your replacement vehicle with Elko Federal Credit Union
• Available on new or existing loans with loans terms of up to 7 years
• Elko Federal Credit Union will also provide you Auto Deductible Reimbursement for FREE! - This reimburses your insurance deductible for three years, twice a year.