Dream of hitting the open road, sky or sea on your own set of wheels, wings, or sails?  We’ve got financing options to help you make the ownership leap. We’ll help you get the best financing possible, whether the vehicle you want is new or used. We offer terms up to 84 months with some of the lowest rates around. And if you find a better rate at a competitor, we’ll lower the rate you qualify for with us up to 1%.*

*For example, if our rate is 3.99% and the dealer offers you 3.74% for the same term, we’ll match the 3.74% rate with documentation.  Based on dealer rate & terms.  Some restrictions apply.

TermRates as low as:
24 - 60 months 7.29% APR
61 - 72 months8.29% APR
73 - 84 months9.29% APR

Planes. Application requirements include 5 years maintenance logs, title search, 4 photos of all sides of the aircraft and a photo of the instrument panel, and a copy of the registration.  FAA registration file must list FECA as the lien holder.

Boats. 100% financing on new boats. Financing on used boats up to the used trade value according to NADA.

RVs. We finance new motorized RVs at 100% of the purchase price plus tax, title and license. On used motorized RVs, we finance up to the used wholesale price.  We also finance new non-motorized RV’s up to 90% of the sale price including tax, title and license.

Motorcycles. New bikes financed up to 90% of purchase price plus tax, title and license. If the bike is less than 4 years old, we’ll finance up to the NADA retail value.

Apply from Anywhere:

Give us a call at 901-332-9232   OR   800-833-3544 (for those outside the 901 area code), or apply online:


Online Payment Portal

Paying for your loan from an outside account?  Click here to make an easy online payment (email address and passcode required).



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Find our branches & ATMs

For the safety of our members, certain branch lobbies are temporarily closed or have limited access.
Currently Collierville, Hacks Cross, Harrison, & Pittsburgh Branches are CLOSED.

Three branches are open but are available by appointment only:

Due to closed branches, our call-center is experiencing a high call volume.
To avoid longer than usual wait times, we encourage members to access their accounts remotely by logging in online or by using our mobile app.

Call Center Information:
(800) 228-8513 or (901) 344-2500 within the Memphis area Mon-Fri, 7:30am-10:00pm central
Sat, 9:00am-5:00pm central
Sun, 9:00am-5:00pm central