Energy Credit Union offers mortgages, home equity loans, and home improvement loans at favorable rates. You can count on a smooth application process. Contact us to apply.


Mortgages

● First mortgages for new home or condominium purchases

● Second mortgages for home improvements or other large expenses

● Finance up to 80% of appraised value (Up to credit union limits)

 

Refinancing

● Consider refinancing your mortgage for substantial monthly savings

● Finance up to 80% of appraised value minus outstanding liens (Up to credit union limits)
 

● Check rates and terms


Home Equity Loans

● Finance college tuition, home improvements and other large expenses

● Consolidate bills

● Borrow up to 80% of appraised value of your home minus outstanding liens (Up to credit union limits)

● No closing costs; we pay appraisal fee (Fees subject to change without notice; Certain conditions apply)

● Check rates and terms


Home Improvement Loans

● Borrow up to 100% of appraised value of your home minus outstanding liens (Up to credit union limits)

● No closing costs; we pay appraisal fee (Fees subject to change without notice)
 

● Check rates and terms


Apply for a Real Estate Loan

Contact us to apply. Loan approvals are subject to Energy Credit Union's loan and underwriting requirements.

Energy CU: Your First Stop for an Auto Purchase

If you are in the market for a new vehicle, make your first stop Energy CU. Get pre-approved for one of our great auto loans today! Check out our loan rates. Use our handy calculators to estimate your payments!

Apply for a loan today!
 

Cars and Motorcycles

● Finance new and used cars and motorcycles

● Borrow up to 100% of value of vehicle for up to five years
 

● Get a great deal on a used car with Enterprise
 

● Check new and used car prices online with the Kelley Blue Book
 

Enterprise Car Sales offers certified used cars nationwide, below Kelley Blue Book® Value!
 

Boats & RVs

Borrow up to $50,000 for a new or used boat or recreational vehicle. Check rates and terms.


Free Borrower's Life Insurance

All loans, except real estate loans, include free Borrower’s Life Insurance up to $40,000 for all members up to age 70.
 

Two Application Options

Energy Credit Union offers two application options:

● Apply online. It’s convenient and secure.
 

● Apply in person. Check our office hours.

Curious about how much to borrow and what your monthly payments may be?

Our loan calculators can help you plan.

Energy Credit Union offers student loans to help you fill the funding gaps that federal aid can leave behind. By partnering with other credit unions to form Credit Union Student Choice, we are able to offer members lower cost financing options that will help you or a family member achieve your dream of a higher education.

Our new loan product, designed with you in mind, offers lower loan rates, zero origination fees and more flexible repayment options. Click here for our total cost calculator, to learn more details about our student loan products or apply online. You can also call our Student Choice line at (866) 241-2118.

To apply for a “Student Loan” click HERE.

Energy Credit Union offers a variety of loans at favorable rates to meet everyday needs or to finance long-held dreams.
 

Personal Loans

● Consolidate bills, pay off high-interest credit cards, or meet other expenses.

● Borrow up to $20,000. Check rates and terms.


Secured Loans

Secure a loan with savings, CDs and eligible stock as collateral.


Christmas and Vacation Loans

Borrow up to $2,000. Check rates and terms.


Computer Loans

Borrow up to $5,000. Check rates and terms.


Free Borrower's Life Insurance

All loans, except real estate loans, include free Borrower’s Life Insurance up to $40,000 for all members up to age 70. Certain conditions apply.


Apply For a Loan
 

We offer two application options:

● Apply online. It’s convenient and secure.
 

● Apply in person. Check our office hours.

Curious about how much to borrow and what your monthly payments may be?

Our loan calculators can help you plan.