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Borrowing Rates

When you’re looking for excellent rates on consumer and vehicle loan products, look no further – Energy CU have the competitive rates you’re looking for.

Consumer Loan Rates

Personal Unsecured

Effective: January 17, 2024

Personal Unsecured
TermAmountAPR 1
Up to 72 months$25,000.00From 9.75%
  • (1) Annual Percentage Rate and amount is based on current credit rating.

Personal Revolving Line of Credit

Effective: January 17, 2024

Personal Revolving Line of Credit
TermAPR 1 starting atPayment per $1,000 2
Revolving17.95%$25.00 3
  • (1) Annual Percentage Rate and amount is based on current credit rating.
  • (2) Repayment amounts will vary depending on the term. This example is estimated for the maximum term.
  • (3) Payment is 2.5% of outstanding principal balance with a minimum of $25.00

N.O.W. Overdraft Protection

Effective: January 17, 2024

N.O.W. Overdraft Protection
TermAPR 1 starting atPayment per $1,000 2
Revolving12.00%$25.00 <
  • (1) Annual Percentage Rate and amount is based on current credit rating.
  • (2) Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Holiday & Vacation

Effective: January 17, 2024

Holiday & Vacation
TermAPR 1 starting atPayment per $1,000 2
12 months7.50%$86.76
12 months9.50%$87.68
  • (1) Annual Percentage Rate and amount is based on current credit rating.
  • (2) Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Energy Loans (Mass Save)

Effective: January 17, 2024

Energy Loans (Mass Save)
TermAmountAPR 1 starting atPayment per $1,000 2
Up to 72 monthsUp to $25,0000%$0
  • (1) Annual Percentage Rate and amount is based on current credit rating.
  • (2) Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Vehicle Loan Rates

New Auto / Motorcycle - Zero Down (LTV 100% KBB / NADA)

Effective: January 17, 2024

New Auto / Motorcycle - Zero Down (LTV 100% KBB / NADA)
TermAmountAPR 1
Up to 84 MonthsUp to $75,000.00From 4.125%
  • (1) Annual Percentage Rate and amount is based on current credit rating. Additional 0.25% discount may be available for new electric/hybrid vehicles.
  • 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.

Used Auto / Motorcycle (LTV 90% KBB / NADA)

Effective: January 17, 2024

Used Auto / Motorcycle (LTV 90% KBB / NADA)
TermAmountAPR 1
Up to 84 monthsUp to $50,000.00From 5.125%
  • (1) Annual Percentage Rate and amount is based on current credit rating.
  • Used Auto or Motorcycle loans require 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.

New Boat / RV

Effective: January 17, 2024

New Boat / RV
TermFICOAPR 1 starting atPayment per $1,000 2
Up to 120 months620 & up9.95%n/a
Up to 60 months500 - 61914.95%n/a
  • (1) Annual Percentage Rate and amount is based on current credit rating.
  • (2) Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

Used Boat / RV

Effective: January 17, 2024

Used Boat / RV
TermFICOAPR 1 starting atPayment per $1,000 2
Up to 60 months620 & up14.95%n/a
Up to 60 months500 - 61917.95%n/a
  • (1) Annual Percentage Rate and amount is based on current credit rating.
  • (2) Repayment amounts will vary depending on the term. This example is estimated for the maximum term.
  • Max 5 years old used boats & RVs.

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