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We understand that it's about more than money, but if you find yourself in need, we're here.

If the COVID-19 pandemic has impacted you financially, we're dedicated to working with and helping you through these uncertain times. Now, more than ever, we're here to support our members and communities with our Comm(unity) Relief Program.


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Comm(unity) Relief Loan

It's about more than money, but we can help with that too. Whether you're out of work, on a reduced schedule or whatever your circumstances are, we can help get you the cash you need.

  • Borrow up to $7,5001
  • First payment deferred for 12 months1
  • 60-month maximum term1
  • 2.99% APR1
  • No collateral necessary; requires little more than a signature

Apply Now

1APR=Annual Percentage Rate. Credit qualifications apply. Membership eligibility and $1 Share Deposit required. Not available on current Electro Savings Credit Union loans. Waiting to make first payment for 12 months defers first payment, it does not waive payment. Interest accrues during 12-month deferment period.

Comm(unity) Certificate

It's about more than money, it's about peace of mind. There are a lot of things to worry about these days, but the safety of your money in your credit union isn't one of them. Your money is safe, and your Electro accounts are federally insured.

Call us at 314.434.6470 or 800.844.8313 to open your Comm(unity) Certificate today

1APY=Annual Percentage Yield. Membership eligibility and $1 Share Deposit required.

Loan Deferment

It's about more than money, it's about understanding and compassion. We're here to help during these uncertain times if you need help with your current Electro loan.

To see if you qualify for a deferment, please call our Member Advocacy team at 314.434.6470 or 800.844.8313 or email them at [email protected].

Member Business Loan

If you are a Member Business looking to defer a payment on your Electro business loan, call or email Pat Pettey at 314.434.6470 or 800.844.8313 x1406 to see if you qualify for a deferment on your member business loan.

1Loans must be current at time of request. There is no fee to defer your payment. No guarantee requests will be approved. Interest continues to accrue during deferment period. 

Credit Limit Increase

It's about more than money, but we understand sometimes you need more. If you currently have an Electro credit card, personal line-of-credit or home equity line-of-credit, we could help by increasing your limit.1

Call us at 314.434.6470 or 800.844.8313 to request a limit increase

1Available on current Electro Savings Credit Union Credit Cards, Personal Lines-of-Credit and Home Equity Lines-of-Credit. No guarantee requests will be approved.

0% Credit Card Balance Transfer

It's about more than money, but we can help ease the burden with a balance transfer. You'll get 0% APR1 for your first 6 months and pay no transfer fee when you consolidate high-interest debt with a new or existing Electro Visa® credit card.

Ready to transfer your high-interest debt?

Transfer my balances

Don't have an Electro Visa® credit card?

Apply Now

1APR=Annual Percentage Rate. Membership eligibility and $1 Share Deposit required. 0% APR offer available for new balances to Electro Savings transferred by July 31, 2020, to an existing or new Electro Savings Classic, Gold or Platinum credit card. 0% APR for six months after new balances are transferred. Credit qualifications apply for this offer.

Complete credit offer and fee schedule

90-Day Deferred Payment Auto Loan

It's about more than money, it's about getting you where you need to go. If you're in the market for a new or used vehicle enjoy 90 days without payments.

  • First payment deferred for 90 days1
  • Competitive, fixed rates on new or used vehicles
  • Wide range of terms customized to your unique situation
  • Find peace-of-mind after your purchase with a wide range of protection plans:
    • Mechanical Breakdown Protection
    • Guaranteed Auto Protection (GAP)
    • Debt protection plans
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Apply Now

1All loan applications are subject to loan approval in accordance with our lending policies. Waiting to make first payment for 90 days defers first payment, it does not waive payment. Interest will continue to accrue during deferral period. 

Mortgage Loan Assistance

It's about more than money, it's about understanding and compassion. We're here to help during these uncertain times if you need assistance with your current Electro mortgage loan.

To see if you qualify for a reduced or suspended payment, please call our Mortgage Disaster Team at 866.443.2750 or email them at [email protected].

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