Ensign home loans are designed to save you money.  New or existing homes qualify, and first and second trust deeds are available.  Lower rates and fees, no points, home equity lines of credit, 95% financing, 40 year mortgages and interest only loans are all combined to provide superior mortgage services.

• Mortgage Loan  Apply Now
  
  Mortgage loans at Ensign are the perfect home buying or refinancing product, whether it’s a new home or an existing residence.  Competitive rates, terms up to 40 years, no junk fees, and other features are all combined to help make your mortgage decision and process a breeze.  You can feel confident in the trust you’ve established with Ensign to take care of funding the most valuable asset you have. Mortgage Calculator
  
  
• Home Equity Line of Credit  Apply Now

The Ensign home equity line of credit can be the ideal solution for those who need money for those larger costs in life, like a child’s college education, or adding a pool to your home.  The HELOC features great draw and payback time frames, and the funds being borrowed are able to be used again when available. Use your Real Rewards points and lower your home equity line of credit by .25% APR. Mortgage Calculator

• Home Equity Loan  Apply Now

The Ensign home equity loan is a second mortgage that lets you turn equity into cash, allowing you to spend it on home improvements, debt consolidation, college education or other expenses. Use your Real Rewards points and lower your home equity loan by .25% APR. Mortgage Calculator

• Interest Only HELOC (Home Equity Line Of Credit)  Apply Now

The interest only HELOC is a valuable lending tool.  During the 10 year draw period, the monthly payment is an interest only payment.  Following the draw period begins the repayment period, allowing a full 20 years to help you  accomplish your lending needs. Use your Real Rewards points to lower your home equity line of credit by .25% APR. Mortgage Calculator

• Construction Loans   Apply Now

An Ensign Construction Loan is a 12 month, fixed rate loan which rolls into a permanent loan when construction is completed.  The servicing of the construction loan is retained by Ensign and not sold to an outside company which makes it a very convenient and inexpensive construction loan for your needs. Use your Real Rewards points to lower your Construction Loan by .25% APR.

Auto Loans

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Auto Auction

A low-rate auto loan with Ensign will make your purchase or refinance just a little easier.  With terms up to 84 months and very affordable loan enhancement products and services, Ensign has a loan plan that will fit your budget. Use your Real Rewards and lower you auto loan rate by .25%. Auto Calculator

• Gap Insurance
  
  Ensign offers the cure to owing more on your car than what it’s worth.  In the event of an accident or your vehicle is stolen, Ensign’s Gap Insurance will cover the difference between what your insurance company will pay you for the vehicle and the amount of your loan.  Not only that, if you finance your replacement vehicle with Ensign Federal CU, you will also receive $1,000 towards the new vehicle!  Gap Insurance with Ensign is consistently less than half what you’d pay at a dealership.  The cost of this insurance may be added to your loan or paid out of pocket.
  

• Mechanical Breakdown
  
  With the Ensign Mechanical Breakdown product, it’s nice to know when your vehicle needs repair, you are covered by a protection plan with a guaranteed low deductible long after the manufacturer’s warranty has expired.  Featuring 4 levels of protection, this extended warranty can protect your pocketbook, while extending the life of your vehicle.  The cost of this product may be added to your loan or paid out of pocket.
  

Ensign offers three credit card options, perfectly suited to fit your card needs.  With no annual fees and competitive rates, choose the card that fits your lifestyle!  Ensign credit cards are accepted worldwide at merchants displayingthe VISA logo.  You can track your purchases and transactions online by clicking

or logging onto e-Branch.

• VISA Platinum  Apply Now
  
  Combine the features of our VISA Classic with the prestige and luxury of an Ensign VISA Platinum Card.  With an exceptional rate, this card comes with a minimum $5,000 credit line and many additional benefits and services, such as auto rental insurance, worldwide travel accident insurance, zero liability from unauthorized transactions, and much more.
  
  
• VISA Classic  Apply Now
  
  The VISA Card combines the best possible features of a credit card program: no annual fee, a low interest rate, and a 25-day grace period.
  
  
• VISA Family Account  Apply Now
  
  Introducing a new way to teach your children how to use credit wisely!  The Ensign VISA Family Account provides a family credit line with individual accounts.  You can also setup customized spending limits for family members, and maintain parental controls for young cardholders.  Open your VISA Family Account today!

Ensign Federal Credit Union has a wide range of other loan programs designed to help you with a variety of financing needs.  Boat loans, RV loans, unsecured loans, share secured loans, and more are also available to qualified borrowers. Use your Real Rewards and lower your loan rate by .25% APR.

• Member Convenience Loan  Apply Now

The Ensign Member Convenience Loan protects your checking account against NSF fees and returned checks.  If a check attempts to clear your checking account without sufficient funds, money is automatically transferred into the account to cover your check, saving you money. This useful tool, combined with your Ensign Checking Account, is your best alternative to paying for a high-interest payday loan. Your Member Convenience Loan can be used as a payday advance, at a fraction of the interest of a payday lender. You can advance it online or at any Ensign branch. Click Here for an example of the savings.

• Automatic Payment
  
  Looking for ease in paying your Ensign loans?  With Automatic Payment, each loan payment is automatically transferred from your deposit account directly to your loan, every month, on the day you want.  Take the stress out of paying your loans and relax with Automatic Payment.
  
  
• Rate Discounts
  
  Using your Real Rewards points, you can take an additional .25% off your loan.  Just one way Ensign rewards you for your business.