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Rates as of November 1, 2018

New Titled Vehicles - EFCU will loan 100% of the cost to purchase.

Used Titled Vehicles - EFCU will loan the retail value plus options and mileage.  For vehicles over 7 years old, EFCU will loan based on wholesale values.

Rates as low as (APR)
New - Untitled & Less Than 7,500 mi. up to 72 3.99%
New - Untitled & Less Than 7,500 mi. up to 84 4.99%
Used - 2 yrs old up to 72 5.49%
Used - 3 to 5 yrs old up to 72 6.99%
Used - 6 to 7 yrs old up to 72 7.49%
8 Years and Older 
antique or classic
up to 60 8.24%

Do's and Don'ts - click here to see a quick video from our friends at brassMagazine

GM Credit Union Discount

Recreational Vehicles

Recreational Vehicles can be financed for up to 180 months on certain models. Contact us for details and rates or apply online.

  • New RV financing available for as low as 6.00% APR
  • Used RV financing available for as low as 6.50% APR

Click here for a loan application.


Guaranteed Asset Protection (GAP)

$299 one-time fee for cars, trucks and motorcycles. Watercraft rates may vary, contact us for details.


  • Get Eaton Family Credit Union financing and rates at the dealer with Aimbridge Indirect Lending
  • Go to www.aimbridgeconnect.com then choose Dealer List from Free Tools to find a participating dealer near you or contact us for more information

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Rates as low as
$250 + up to 60 14.00 % APR

Rates are based on member's individual credit quality.


Rates as low as
$250 + 2% of Balance 8.25% APR

Click here for more information on Education Loans (Line of Credit, Signature and Government Backed)

Sallie Mae

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VISA Credit Card Disclosures

Annual Percentage Rate for  Purchases, Balance Transfer & Cash Advances

9.90% Fixed APR-Secured*
13.90% Fixed APR-Classic
9.15% Variable APR-Platinum**

Variable Rate Information


Visa Rewards Program - Scorecard Scorecard points are awarded on purchases using all card programs. Delinquent and over-the-credit-limit accounts are not eligible.

Balance Calculation Method

Average Daily Balance (Including new purchases)

How to avoid paying interest on purchases : 25-Day Grace Period. On purchases, you have 25 days from the statement closing date to pay your balance in full before being charged a FINANCE CHARGE.  There is no grace period on cash advances.
Annual Fee None
Minimum Finance Charge None
Balance Transfer Fee None
Transfer Fee for Purchases None
Transfer Fee for Cash Advances None
Cash Advance Fee None
Late Payment Fee $19
Card Replacement $10.00 for 2nd card within 12 month
Return Check Fee $25
* Secured with money on deposit at Eaton Family Credit Union
** Based on Prime + 3.9% APR

The information about the costs of the card described here is accurate as of November 1, 2018.  This information may have changed after that date. To find out what changes may have occurred, write us at 333 Babbitt Rd., Euclid, Ohio, 44123.

Lost or Stolen Visa call: 800-808-7230.

If you get a call from our fraud department to verify recent transactions you can call us back at 800-437-9392. We will never ask for your personal information but will need to verify your account before we can confirm specific transactions. If you are not comfortable with anything in this process please call the credit union for help.

Click here for a Loan Application

Click here for CARD Act Information

We got a FIVE-STAR RATING at CreditCardConnection.org

Dean's List
Rates 18% and Under
No Balance Transfer Fees
Late Fee $25 and Under
No Annual Fee
No Penalty Rate
Dean's List.
Rates 18% and under.
Rates 18% and under.
Rates 18% and under.
Rates 18% and under.
Rates 18% and under.


ScoreCard VISA Rewards

Earn valuable Bonus Points for every net dollar you spend with Eaton Family Credit Union’s ScoreCard VISA Awards. Exchange your ScoreCard points for fabulous travel and brand-name merchandise. Get a Universal Ticket at 20,000 miles for travel within the 48 states. Click here for more information.

Share Secured Visa Card

Your Share Secured Visa Card allows you to purchase up to the amount of funds you have on deposit in a special interest-bearing savings account. The amount you pledge can only be withdrawn when your Visa balance is paid in full and your Share Secured Visa Card is closed. You will get a monthly bill detailing your charges. It is your decision how much to pay. Should you decide to pay your minimum balance you will be charged interest on the account balance.

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Available in denominations from $25 to $1,000. Purchase at our office ($4.95 fee) or click here to purchase online ($5.95 fee up to $250 and $7.50 fee up to $500).

Do you have an Eaton Family Credit Union Visa card?
Get Visa Gift Card for NO additional charge (Card Value + $0 / card).


Protect your Visa Credit Card and Debit MasterCard account against unauthorized use when you shop at participating merchants.

MasterCard logo  VISA logo EZCard

Use EZ CARD to access your account anytime, anywhere, 24 hours a day and 7 days a week.



The credit union alternative to PayDay Loans

$250 30 days 18.00% APR $35 annual
  • You can count on Stretch Pay if you're short between paychecks. Unexpected Expenses? Hours Cut? Spouse Layoff?
  • With a $35 annual fee you can get $250 a month at only 18.00% APR.
  • Pay back the intitial $250 advance plus interest within 30 days an you can get another advance later on.
  • Contact us or click here for a loan application (Note: Please do not apply via 24-Hour Loan Line or Online Loan Application).
  • Qualifications
    1. Eaton Family CU member for at least 120 days.
    2. 18 years or older.
    3. Verifiable income.
    4. Not delinquent on existing loans.
    5. Not negative in any share account.
    6. Not in the process of filing for bankruptcy under any chapter of the bankruptcy code.
Loan Amount
Interest & Fees
Annual Percentage Rate (APR)
Total Finance Charges
Sample Payday Lender
$15 Fee per $100 borrowed for each
14-day term
28 days
18% APR + $70 Annual Enrollment Fee
30 days
With StretchPay, you save (no including $70 enrollment fee)

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Share secured loan rate is 3% above the regular dividend rate.

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 2% above the rate of the certificate being used to secure the loan.

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Home Lending Services icon


  • Fixed Rate Mortgages are available for 10, 15, 20 and 30 year terms.
  • Adjustable Rate, Balloon, FHA/VA and other types of mortgage loans are also available.
  • Call Dave at 216-920-2021 with mortgage questions or click here to send a note via email.


  • A reverse mortgage is a unique loan that enables senior homeowners to convert part of the equity in their homes into cash without having to sell the home, give up title, or take on a new monthly mortgage payment.
  • Reverse mortgages are available to individuals 62 or older who own their own home.
  • Click here for Qualification, Contact Information, Facts & Details and Benefits of Reverse Mortgage.
  • Contact our Reverse Mortgage Consultant, Andrew G. Morean
    • call (440) 334-5269 Ext. 206 or click here to send a note via email.

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Home Loan Brochure


Use your home’s value to realize your dreams: Improve your home, consolidate debts or splurge on a special vacation.

Home Equity Line of Credit

Promotional Rate of Prime minus 1.50% APR for the first 6 months of the loan, then Prime Rate + 0% for the remaining term, currently 5.25% APR!*

  • No Application Fee!
  • No Closing Costs!
  • No Annual Fee!

*Current rate as of November 1, 2018. This is a variable rate line of credit. Members may borrow up to 80% of the value of their home, less their first mortgage balance. Members borrowing greater than 80% are subject to the current rate plus a margin. This is a Variable Rate Line of Credit, indexed to the Prime Rate as published in the Wall Street Journal plus a margin determined by the Board of Directors. The interest rate on approved loans can change semi-annually on the first day of February and August. The rate will be determined 31 days prior to the change date. The maximum rate is 18.00% APR or that allowed by law. Members cancelling a Home Equity Line of Credit during the initial 5-year draw period will pay the remaining unamortized closing costs. Ohio residents only. Available only on Owner-Occupied Residence. Subject to credit approval from each member's individual credit quality.

Fixed Rate Home Equity Loan*

Use the equity in your home to secure a fixed-rate intallment loan. Now available nationwide! Contact us for more information or call Debbie at 216-920-2000, ext. 1101.

* This is a Fixed Rate Home Equity Loan. Currently as low as 6.25% APR. Current rate effective as of November 1, 2018 and is subject to change. Contact us for current rate. Loan is subject to credit approval based on each member's individual credit quality.



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Did You Know - One point is equal to 1% of the amount borrowed.  By paying a point a member in essence, is paying down the mortgage loan rate.

APR = Annual percentage rate.
APY = Annual percentage yield.

Loan rates are subject to change without notice.

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