ETPCU 4.41.118

ETPCU Mobile Banking offers a reliable and secure way for members to manage their accounts anytime and anywhere. This application provides 24/7 access to ETPCU accounts via mobile phones or tablets, emphasizing efficiency and user safety.

Key features of ETPCU Mobile Banking include:

• Viewing account balances and transaction history
• Transferring funds between accounts
• Paying bills
• Locating nearby ETPCU branches and ATMs based on your mobile device’s location

The app is designed with a strong focus on security. Notable measures include:

• The ability to quickly disable the app if your device is lost or stolen
• Only allowing transfers between existing and related accounts
• Permitting bill payments exclusively to established payees

Please note that this app is exclusively for ETPCU members, and individuals affiliated with similarly named credit unions in other states will not have access. Standard messaging and data rates may apply.

For further details, visit www.etpcu.org.

Current members may have the opportunity to apply for loans through ETPCU. Detailed lending information is available, including our personal loan terms which range from a minimum repayment period of 6 months to a maximum of 42 months. The Maximum Annual Percentage Rate (APR) for personal loans is set at 18.00%, with a minimum loan amount of $300.

It is important to note that not all applicants will qualify for the most favorable rates or highest loan amounts. Approval and specific loan terms depend on factors such as credit union membership history and credit risk evaluations, which include responsible credit history, debt-to-income ratios, and available collateral. Highly qualified candidates may receive offers for increased loan amounts and/or reduced APRs.

Here’s an example illustrating the cost of a loan:

• Loan Amount: $1,000.00
• Date: 02/28/2024
• Interest Rate: 18.000%
• Monthly Payment: $91.77
• Total Payments: $1,101.24
• Total Interest: $101.24

The actual terms of loans may vary based on the borrower’s credit profile, existing debts, income level, membership history, and overall relationship with ETPCU. Some options may assist members in consolidating existing debts into a single loan; however, this could lead to increased total finance charges or money owed over the life of the new loan due to extended terms or higher interest rates. Members are permitted to request shorter terms than the minimum repayment period. ETPCU retains the right to modify rates, terms, fees, underwriting guidelines, and other related policies without prior notice.