Main office: 231-946-6655
Lake Leelanau: 231-256-7778
Right at Home: How to Keep your Home and Avoid Foreclosure
Mobilized Your Finances: Text 'BAL' to 42265 to get your checking balance!

Loans

Share Secured Loans

As this loan is secured by the accounts you have with East Traverse, it is offered at our lowest interest rate. These loans are great for individuals who need to re-establish good credit history or are having trouble getting credit.
Printable Loan Application

Collateralized

We have loans for many different types of collateral, including personal or recreational vehicles, personal computers or consumer goods and equipment -- all at competitive interest rates.
Printable Loan Application

Mortgages

We offer home mortgages with competitive interest rates, no points and low closing costs. Terms offered are a 10-year fixed, a 15-year with a 5-year balloon, a 20-year with a 7-year balloon and a 30-year with a 10-year balloon. We also offer financing on vacant property.

Home Equity

We offer two types of Home Equity loans -- First, a Fixed Rate, one-time loan where you receive all loan proceeds at once with a locked-in interest rate for the duration of the loan. Secondly, a Variable Rate Line of Credit loan allows you easy access to funds, as you may draw them when you need them, anytime.

Mobile Homes

A competitive interest rate and loan term of up to 10 years is offered on new mobile homes while a used mobile home may be financed up to 7 years.
Printable Loan Application

Unsecured

These loans are offered up to $5,000 at a 60-month term. Funds may be used for debt consolidation, vacations, home improvements or any other special needs you may have.
Printable Loan Application

Student and School Tuition Loans

If you or a family member is thinking about funding a college education, check out our Federal Stafford Loans, both subsidized and unsubsidized. We also offer Federal PLUS loans for parents of students. Tuition loans are offered with a 10-month repayment plan to our local Catholic school students and families.

VISA Cards

Our East Traverse VISA offers you no annual fee, a 25-day grace period, low monthly payments and the same low interest rate on cash advances and purchases.

Did you know we now offer an 8.9% VISA Platinum Preferred?

Whether traveling, shopping or planning a special evening out, no other credit card gives you such exclusive privileges. From ScoreCard Bonus Point rewards to Concierge Services to $1,000,000 Travel Accident Insurance, your Platinum Preferred card delivers for any occasion. Stop in at any of our locations to find out more!

Overdraft Protection / Line of Credit Loans

This loan offers up to a $5,000 credit limit, is tied to your checking account and is activated when a check tries to clear your account and finds insufficient funds. The system will automatically make a draw on your Overdraft Protection line of credit to cover the check. Use this account to avoid costly returned check fees or use it to write yourself a loan.
Printable Loan Application

For all up-to-date East Traverse rates, including loans, CDs and savings accounts, see our rates page.
Access our loan calculators at CU@Home by clicking on the Home Banking link.

Indirect Lending - Get an ETCFCU Loan right at the Dealership!

At the following dealers, ask for financing from East Traverse Catholic and take care of your loan right there!

  • Action Water Sports
  • Bill Marsh Automotive
  • Bill Marsh Kalkaska
  • Cherry Capital Cadillac Subaru
  • Classic Motor Sports
  • DeWitt Marine
  • Direct Auto & Truck
  • Fox Grand Traverse
  • Grand Bay Marine
  • Great Escapes Motor Sports
  • Highway 37 Motors
  • Just Toys
  • Kinney's Complete Auto Service
  • Lark Lawn & Garden
  • Nature & Me RV
  • Price Point
  • Stein Motors
  • Traverse Bay Marine
  • Traverse Motors
  • Voice Motors
  • Wares Auto Sales
  • Williams Chevrolet



Articles of Interest

Your savings federally insured to at least $250,000 and
backed by the full faith and credit of the United States Government.
Equal Housing Lender