Tools you can use at every step of your
home ownership journey. No hardhat required.
Buying a new home. Planning a home improve project. Refinancing. We offer products for all of your home loan needs.
The ELCA Federal Credit Union is federally insured by the NCUA. This advertisement is brought to you by the ELCA Federal Credit Union. Click “Get Home Loan Info” for full disclosures.
New: Youth Checking and Savings Accounts
A great way to teach teens, ages 13-17, to become skillful and responsible managers of their money.
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ELCA FEDERAL CREDIT UNION
WORLD MASTERCARD©
Low rates start at 14.99% APR* for purchases and balance transfers with no annual fee.†
Click “learn more” for disclosures.
A responsible choice.
Environmentally and financially.
As we all work to lessen our environmental footprint, the recently enacted Inflation Reduction Act offers an added incentive to ELCA congregations and ministries: a Direct Pay Program providing rebates for clean energy investments.
The ELCA Federal Credit Union in partnership with the Mission Investment Fund can help with all clean energy projects.
Building a credit history? Let's work on it together.
Whether you need to establish or reestablish a credit history, we offer a variety of loan products and other tools to help you do so, with more favorable rates and terms than those offered by traditional financial institutions.
The app that makes your money more mobile.
The ELCA FCU mobile app offers remote deposit capture and ATM locator, and lets you pay others by text or email.
Learn more about Checking
Don’t let unexpected expenses catch you unprepared.
Get a Personal Line of Credit for up to $25,000, starting at 12.49%.
Learn more about Personal Line of Credit
Why pay high credit card rates and fees?
Rates on the ELCA Federal Credit Union World MasterCard start at 14.99% fixed for purchases. Same low APR for balance transfers and cash advances, and no additional fees.
Learn more about the Credit Card.jpeg)
Turn to us for hassle-free home mortgages and more.
Get competitive rates and expert, personalized service when buying a home, refinancing an existing mortgage, or taking out a home equity line of credit.
Learn more about Home Loans
Start growing financial confidence and positive banking habits today.
Opening a Youth Checking or Savings Account builds good, lifelong financial habits. Parents or guardians can oversee account activity and add funds, while teens have the opportunity to grow their financial literacy.
Ministry leaders—Share valuable, no-cost banking benefits with your employees and volunteers.
Become a partner of our Workplace Banking program, to provide employees and volunteers with free financial benefits, including early access to paychecks, free credit report analysis, and many others.
Learn more about Workplace Banking.jpg)
A way to relieve the financial insecurity of our rostered leaders
With the joint support of the ELCA Federal Credit Union and the Mission Investment Fund, the Resourceful Servants program is showing ELCA ministries, seminarians and congregations a path to greater financial wellness.
View Resourceful Servants video
Free yourself from checking account fees.
No minimum balance requirement or monthly maintenance fees. Bill Pay and Overdraft Protection are free.
Learn more about Checking
Pay for major expenses or consolidate credit card debt.
Members can apply for personal loans of up to $25,000 starting at 7.99%.
Learn more about Personal Loans
Your destination for new and used car loans.
ELCA Federal Credit Union auto loans start at 4.49% for up to 36 months.
Learn more about Auto Loans
Put the brakes on excess finance charges.
Members who have used an ELCA FCU Auto Loan to refinance their vehicles have averaged over $1,500 in savings on finance charges.
Learn more about Auto Loans
Get your vehicle’s warranty to work overtime.
Whether or not you have an ELCA FCU auto loan, our Mechanical Breakdown Protection can help you avoid big repair bills.
Get Free QuoteLearn More About Vehicle Protection
A hard-working debit card.
The ELCA FCU MasterCard debit card gives you access to 30,000 surcharge-free ATMs nationwide.
Learn more about CheckingThe app that makes your money more mobile.
The ELCA FCU mobile app offers remote deposit capture and ATM locator, and lets you pay others by text or email.
Learn more about CheckingDon’t let unexpected expenses catch you unprepared.
Get a Personal Line of Credit for up to $25,000, starting at 12.49%.
Learn more about Personal Line of CreditWhy pay high credit card rates and fees?
Rates on the ELCA Federal Credit Union World MasterCard start at 14.99% fixed for purchases. Same low APR for balance transfers and cash advances, and no additional fees.
Learn more about the Credit CardTurn to us for hassle-free home mortgages and more.
Get competitive rates and expert, personalized service when buying a home, refinancing an existing mortgage, or taking out a home equity line of credit.
Learn more about Home LoansStart growing financial confidence and positive banking habits today.
Opening a Youth Checking or Savings Account builds good, lifelong financial habits. Parents or guardians can oversee account activity and add funds, while teens have the opportunity to grow their financial literacy.
Ministry leaders—Share valuable, no-cost banking benefits with your employees and volunteers.
Become a partner of our Workplace Banking program, to provide employees and volunteers with free financial benefits, including early access to paychecks, free credit report analysis, and many others.
Learn more about Workplace BankingA way to relieve the financial insecurity of our rostered leaders
With the joint support of the ELCA Federal Credit Union and the Mission Investment Fund, the Resourceful Servants program is showing ELCA ministries, seminarians and congregations a path to greater financial wellness.
View Resourceful Servants videoFree yourself from checking account fees.
No minimum balance requirement or monthly maintenance fees. Bill Pay and Overdraft Protection are free.
Learn more about CheckingPay for major expenses or consolidate credit card debt.
Members can apply for personal loans of up to $25,000 starting at 7.99%.
Learn more about Personal LoansYour destination for new and used car loans.
ELCA Federal Credit Union auto loans start at 4.49% for up to 36 months.
Learn more about Auto LoansPut the brakes on excess finance charges.
Members who have used an ELCA FCU Auto Loan to refinance their vehicles have averaged over $1,500 in savings on finance charges.
Learn more about Auto LoansGet your vehicle’s warranty to work overtime.
Whether or not you have an ELCA FCU auto loan, our Mechanical Breakdown Protection can help you avoid big repair bills.
Get Free QuoteLearn More About Vehicle ProtectionA hard-working debit card.
The ELCA FCU MasterCard debit card gives you access to 30,000 surcharge-free ATMs nationwide.
Learn more about CheckingThe app that makes your money more mobile.
The ELCA FCU mobile app offers remote deposit capture and ATM locator, and lets you pay others by text or email.
Learn more about CheckingDon’t let unexpected expenses catch you unprepared.
Get a Personal Line of Credit for up to $25,000, starting at 12.49%.
Learn more about Personal Line of CreditWhy pay high credit card rates and fees?
Rates on the ELCA Federal Credit Union World MasterCard start at 14.99% fixed for purchases. Same low APR for balance transfers and cash advances, and no additional fees.
Learn more about the Credit Card
