If you're looking for an affordable rate on your next loan, EFCU can help! No matter what your need, EFCU has a loan to match your budget:
Visa Credit Card
Recreational Vehicle Loans
Share Secured Loans
Line of Credit/Overdraft Protection
Land Loans
Construction Loans
Business Loans
By clicking on the links below you may be leaving Electrus FCU's web site.
Visa Credit Card
There are many benefits of carrying an EFCU Visa Credit Card. It lets you enjoy financial freedom and worldwide buying power. EFCU’s credit card has no annual fee and a 25-day grace period. You can also receive cash advances from thousands of ATMs or financial institutions displaying the Visa logo. A credit card from EFCU provides you the ability to conduct safe and secure transactions.
Visa Application
Fill out the Visa credit card application here and mail it to EFCU.
Visa Online
View your EFCU credit card account with Visa Online. You can check your credit card balance, review statements, find out your next payment date, pay your EFCU credit card bill, and more.
Verified by Visa
Verified by Visa is a free service that protects your existing Visa card with a personal password, giving you reassurance that only you can use your credit card online.
 Recreational Vehicle Loan
Is your dream to spend time with family and friends driving or sailing off into the sunset? EFCU can help with a Recreational Vehicle Loan with low interest rates and convenient repayment terms. There are several types of Recreational Vehicle Loans from which to choose:
- Motor Homes
- Boats
- Travel Trailers
- Campers (Truck, Tent, Pop-up)
- Snowmobiles
- Motorcycles
- ATVs
Loan Application
Apply online for your Recreational Vehicle Loan.
Recreational Vehicle Loan Rates and Calculators
EFCU offers competitive loan rates to meet your budget. Use the calculators to figure payment, term, and more.
 Share Secured Loan
A Share Secured Loan allows you to obtain a much lower interest rate than an unsecured loan. With a Share Secured Loan, you borrow against funds you have on deposit at EFCU in your Share/Savings, Special Share/Savings, or Certificate of Deposit. Approval is easy and flexible terms are available. Funds pledged are restricted until the loan is repaid.
To Apply
Apply for your Share Secured Loan by calling EFCU at 763-569-4000.
Share Secured Loan Rates and Calculators
EFCU offers competitive loan rates to meet your budget. Use the calculators to figure payment, term, and more.
 Line of Credit Loan/Overdraft Protection
A Line of Credit (LOC) means more convenient access to funds when you need them. Use your pre-approved amount for any purpose. This credit line also serves as overdraft protection for your EFCU checking account.
Access your LOC by using your check card, writing a check, through an ATM, through CU Online, or through phone banking (SARA). You may also transfer funds from your checking account to your LOC by calling our office.
Contact EFCU at 763-569-4000 for details on applying for a line of credit loan on your checking account.
 Land Loans
Land loans are used to purchase raw or undeveloped land in Minnesota. If you do not currently have enough equity in your home to purchase additional property, you may be interested in an Electrus land loan. Contact any loan officer at 763-569-4000.
 Construction Loans
For the construction of a primary residence or second home, Electrus offers a short term (6-9 months) loan which can be used as a line of credit. This loan can be rolled into a permanent mortgage once the construction is complete. Contact our member business department directly at 651-631-3111.
 Business Loans
We have smart lending solutions for our members and their businesses. Get a business loan to purchase or refinance a commercial property for a company that has been in business for at least three years. A business loan provides solutions for commerical real estate expansion needs. Contact our member business department directly at 651-631-3111.
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