Energy Credit Union

Consumer & Vehicle Loan

Consumer & Vehicle Loan

Rates are effective as of November 2, 2015. Rates are subject to change without notice.

 

Loan Type Term APR* 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 48 months 12.95% $26.80
Personal Unsecured Closed End Up to 48 months 13.95% $27.30
Personal Revolving Line of Credit Revolving 6.95% $25.00∞
Personal Revolving Line of Credit Revolving 7.95% $25.00∞
Personal Revolving Line of Credit Revolving 8.95% $25.00∞
Personal Revolving Line of Credit Revolving 12.95% $25.00∞
Personal Revolving Line of Credit Revolving 13.95% $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 84 months 1.99% $12.76
New Auto / Motorcycle – 0% down +++ Up to 84 months 3.99% $13.66
New Auto / Motorcycle – 0% down +++ Up to 60 months 5.99% $19.33
Used Auto / Motorcycle – 10% down +++ Up to 84 months 2.99% $13.21
Used Auto / Motorcycle – 10% down +++ Up to 84 months 5.99% $14.60
Used Auto / Motorcycle – 10% down +++ Up to 60 months 8.99% $20.75
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.
++ Annual Percentage Rate and amount borrowed is based on member’s current credit rating.
+++ Annual Percentage Rate is based on member’s current credit rating.
**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 payment of $25

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