Energy Credit Union

Consumer & Vehicle Loan

Consumer & Vehicle Loan

Rates are effective as of June 1, 2017. Rates are subject to change without notice.

 

Loan Type Term APR* starting at Payment per $1,000**
Personal Unsecured Closed End Up to 72 months 6.95% $17.03
Personal Unsecured Closed End Up to 72 months 7.95% $17.51
Personal Unsecured Closed End Up to 72 months 8.95% $18.00
Personal Unsecured Closed End Up to 60 months 9.95% $21.22
Personal Unsecured Closed End Up to 60 months 10.95% $21.72
Personal Unsecured Closed End Up to 48 months 11.95% $26.31
Personal Unsecured Closed End Up to 48 months 12.95% $26.80
Personal Unsecured Closed End Up to 48 months 13.95% $27.30
Personal Unsecured Closed End Up to 48 months 14.95% $27.81
Personal Unsecured Closed End Up to 48 months 15.95% $28.31
Personal Revolving Line of Credit Revolving 6.95% $25.00***
NOW Overdraft Protection Revolving 12.00% $25.00<
Holiday & Vacation 12 months 7.50% $86.76
Holiday & Vacation 12 months 9.50% $87.68
Energy Loans (Mass Save) up to $25,000 Up to 72 months 0%
Computer Up to 24 months 9.00% $45.68
New Auto / Motorcycle – 0% down ++ Up to 48 months 1.99% $21.69
New Auto / Motorcycle – 0% down ++ Up to 60 months 2.25% $17.64
New Auto / Motorcycle – 0% down ++ Up to 72 months 2.50% $14.97
New Auto / Motorcycle – 0% down ++ Up to 84 months 2.99% $13.21
Used Auto / Motorcycle – 10% down +++ Up to 48 months 2.99% $22.13
Used Auto / Motorcycle – 10% down +++ Up to 60 months 3.25% $18.08
Used Auto / Motorcycle – 10% down +++ Up to 72 months 3.50% $15.42
Used Auto / Motorcycle – 10% down +++ Up to 84 months 3.99% $13.66
New Boat or RV # Up to 60 months 5.95% $19.31
New Boat or RV # 61 to 120 months 9.95% $13.19
Used Boat or RV #
(Up to 5 model years)
Up to 60 months 9.95% $21.22


* APR is Annual Percentage Rate
** Repayment amounts will vary depending on the term. This example is estimated for the maximum term.
*** Payment is 2.5% of outstanding principal balance with a minimum of $25.00
++ Annual Percentage Rate and amount is based on current credit rating. APR is quoted based on a discount for direct deposit into an account of member at Energy Credit Union. Rates are effective as of June 1, 2017 and subject to change without notice. New Auto or Motorcycle loans requires 0% down payment or financing up to 100% of NADA or KBB book value. Auto or Motorcycle with 5,000 miles or less are considered New. Loans are subject to credit approval.
+++ Annual Percentage Rate and amount is based on current credit rating. APR is quoted based on a discount for direct deposit into an account of member at Energy Credit Union. Rates are effective as of June 1, 2017 and subject to change without notice. Used Auto or Motorcycle loans requires 10% down payment or financing up to 90% of NADA or KBB book value. Auto or Motorcycle with more than 5,000 miles are considered Used. Loans are subject to credit approval.

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