Loan Products

mortgage loans

Erie Metro offers a wide array of loan products to best fit our members’ needs. From affordable vehicle loans and mortgages to home equity lines of credit, low-rate credit cards, and personal and seasonal loans, there’s a lending option for you and your lifestyle.

View our rates and fees!

Vehicle Loans

We offer competitive financing for new and used vehicles, up to 125% of MSRP for new and 125% NADA for used (seven years old or newer); and generous terms help ensure an affordable monthly payment. Apply online for a quick decision and get personalized service every step of the way. GAP Insurance available for most vehicles. Ask an associate for details.

Home Loans

Tapping your home’s equity is an affordable solution for your borrowing needs. With a Variable-Rate Line of Credit, money can be available when you need it for all of life’s scenarios; from surprise home repairs to debt consolidation or medical emergencies. Or perhaps a Fixed-Rate loan suits your situation better. Add a pool, build a new patio, replace those drafty windows. You’ll be surprised at how easy the process is and how much you’ll save with Erie Metro. Be sure to ask your tax advisor if the interest is tax-deductible.

Mortgage Loans

Owners Choice Funding has been a trusted partner serving credit unions for over 25 years. Whether you choose VA, FHA or a conventional program, they will make sure it is the one that best suits your individual needs. Owners Choice Funding also offers refinancing of your present mortgage and will be there to navigate you through ARMs, mortgage or title insurance, points, closing costs and interest rates. With Owners Choice Funding Erie Metro can provide competitive mortgage programs that will fulfill your homeowner’s dreams.


Convenience plus Standard Rewards Exclusive Program make Erie Metro FCU MasterCard the only card you need for everyday purchases.
NO Balance Transfer Fees!
There are a lot of cards out there, but few have the advantages of ours. With no annual fee, balance transfer fee or cash advance fee, the Erie Metro FCU MasterCard should be your card of choice for added convenience when shopping in stores or online. Enjoy credit lines up to $15,000 at an annual percentage rate currently as low as 8.99%. Apply today!
Lost or stolen Master Card – call (866) 604-0381

MasterCard Application
MasterCard Agreement and Disclosure

Other Vehicle Loans

Head out on that highway. Let us finance your leisure-time vehicle. If you’re ready to take to the road with a motorcycle, ATV or RV, come see us first. With competitive interest rates and specialized service, we’ll have you in the driver’s seat living your dream before you know it. View our current loan rates and terms and see how easy it can be.

Personal / Consolidation Loans

Life can change quickly and sometimes that involves your finances. Our Personal Loan Program is flexible enough to use for an emergency, unforeseen expenses or any purchase. You can also use this solution as a Consolidation Loan to convert your multiple debts into one monthly, manageable payment that could improve your cash flow.
So whether you are consolidating higher interest rate debt into a lower monthly payment, looking to vacation in a romantic hideaway or doing something special just for you, Erie Metro offers a loan to fit any budget with low fixed rates and flexible terms.

Seasonal Loans

If your heaviest financial demands occur during the holidays and summer time, wouldn’t it be great to have a plan in place with a Seasonal Loan from Erie Metro? You’ll have peace of mind to enjoy these special times by having the funds you need without having to max out credit cards. We offer low, competitive rates with terms up to 12 months, along with a generous $5,000 limit on Summer loans or $5,000 for Holiday loans.

Share Secured Loans

With a Share-Secured loan, borrow up to the full balance of your Share-Savings or Share Certificate balance without using your money. Your deposit account will continue to earn dividends as it secures the loan. Enjoy low APR rates, no fees, and terms up to 5 years with a Share Savings loan or 2 years on a Share Certificate loan. (Some restrictions apply)

Mobile Home Loans

Financing a manufactured home is easy with Erie Metro. We’re here to help with a lending program that makes the process just as easy to apply for as our other home lending products. We offer a variety of options with fewer fees, low closing costs, competitive rates, and terms up to ten years. Talk to a Loan Department Representative today at (716) 826-1976 to learn more.