▶ Westerville
▶ Reynoldsburg
▶ Downtown Office
Personal Loans
Education First Credit Union offers a variety of Personal Loans. Whether you are looking for a revolving line of credit or a signature loan, we are sure to have a loan product to meet your individual needs.
Rewards First Visa Credit Card
With a Rewards First Visa Card from Education First Credit Union, you not only save money with a very competitive rate, you also earn CURewards points too.
When you earn enough points, you can redeem for travel, merchandise, or gift cards. Points do not expire!
Did you know for every $1.00 you spend; you can earn 1.5 points?
Bonus Point potential during the first 90 days of issuance: 5,000 bonus points when you make $1,000 in net purchases with your card within 90 days of account opening*.
Access the CURewards website by clicking here, and it’s available using our mobile app or online home banking. For information about mobile banking click here.
On the CURewards website, you can view the following:
- Travel Award selections
- Merchandise Award selections
- Merchandise Order Details
- Program rules
- Available Point Balance
- Wish List
Visa Platinum & Rewards First Visa Card Account Disclosure.
*Balance transfers or cash advances are not eligible as part of the $1,000. The following transactions are excluded from “Purchases” and do not earn rewards points: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees. Other restrictions may apply.
Visa Platinum Credit Card
The best credit card for you is a Visa Platinum Credit Card from Education First Credit Union!
Benefits of our Visa Platinum Card include, low minimum payments, no annual fee, free application, online statement viewing, mobile banking, and online balance transfer option.
*Certain Terms, conditions and exclusions may apply.
Click Here to view a copy of Education First’s Visa Credit Card Disclosure.
Personal Loan
Apply for a personal loan from Education First Credit Union and use your credit to your advantage. This type of loan is made on the strength of your credit history.
You can borrow a particular amount of money and pay it back in a pre-determined length of time. If you need a loan like this, please think of Education First Credit Union first.
*Offer subject to credit approval Some restrictions apply. Rates and terms subject to change without notice.
Stretch Pay Loan
Alternative to using the Check Cashing companies.
This day and age many people live paycheck to paycheck. It is nothing to be ashamed of and we understand. We hear this quite a lot. PLEASE talk with us first before you turn to a check casher to borrow the money you need. To combat the vicious cycle that many people find themselves in when dealing with a check cashing company, please allow us to offer a better alternative to serve your needs, and that is with our Stretch Pay Loan.
Through us, You can borrow $1,000 for a $95 annual participation fee, with a 6-month repayment term. Advance must be paid in full before new advance can be authorized.
The qualifications are simple and straightforward. You must be a member of Education First Credit Union for a minimum of 120 days to qualify, and you must also be a member
in good standing at the time of application, and at the time each advance is made.
No minimum credit score is required.
The interest rate is 18% Annual Percentage Rate. Rate and term subject to change without advance notice.
*Offer subject to credit approval Some restrictions apply. Rates and terms subject to change without notice.
Classroom Supply Loan
INTEREST FREE – For Teachers ONLY
Our credit union was started by a group of teachers from Columbus City Schools in 1936. We have a rich history and we also have the deepest respect and appreciation for educators. Over the years we have heard countless times that teachers frequently have to dig into their own pockets to buy supplies and pay for needed items for their students and classrooms. Quite a number of years ago we began offering our zero interest Classroom Supply Loan. It has served a valuable purpose, and we still offer it today.
How does it work? Teachers can borrow $1,000 at 0% APR*, then repay it in 12 monthly payments . We do not consider your credit history or credit score for this loan. All that is required is a $49 application fee, establishment of automatic payment, and a copy of your current teaching contract.
Credit Builder Loan
Plenty of people have things happen in their lives that have a negative effect on their credit history. It doesn’t have to mean you can’t borrow money to buy the things you need. It may mean some limitations for a while, but there is a road back that we will help you to navigate.
So, if you have no credit or bad credit…Your credit union can help. We have a loan product designed to help members establish credit or help members rebuild a positive credit history. The Credit Builder Loan offers no annual fee, no application fee and a low interest rate. It may be exactly what you need. We can help you to determine your best course, because once again, we have a vested interest in your financial position and peace of mind.
*Offer subject to credit approval Some restrictions apply. Rates and terms subject to change without notice.
Making Your Credit Union Payments
Unforeseen situations can happen and when they do sometimes there are repercussions that affect your financial situation. We hope this doesn’t happen to you, but if it does, there are a few things that you should know.
It’s very important that if you are unable to repay your loan with us, we have recourse to repossess the collateral (your car, in this example) to repay the loan balance. Please note that we never want to be in the position where we have to take your car, or something else you own. If you are having financial difficulties, or you have experienced some kind of financial setback, please be proactive and forthcoming, and call us. It will help for us to understand the reasons for the change in your circumstances.
It can be very scary to find yourself in a situation when you are struggling to pay your debt. You have our assurance that we will always try and work through a resolution that is mutually beneficial. We will respect and appreciate your candor and honesty, and we will have the best possible opportunity to resolve the situation by working together.
*Offer subject to credit approval Some restrictions apply. Rates and terms subject to change without notice.
Loan rates are reviewed constantly, and we strive to keep them competitive and attractive for our members. In fact, this is a critical focus at your credit union. We are also committed to helping every member save money, make money, and have easy access to their funds for managing their accounts.
We will help you to understand all of your borrowing options so you can make an informed and educated decision that will serve your specific needs, in a manner that serves your financial best interests.
Offer subject to credit approval. Some restrictions apply. Rates and terms subject to change without advance notice.
