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: September 18, 2025
- (1) Annual Percentage Rate and amount is based on current credit rating.
Personal Revolving Line of Credit
Effective: September 18, 2025
- (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: September 18, 2025
- (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: September 18, 2025
- (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: September 18, 2025
- (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: September 18, 2025
- (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: September 18, 2025
- (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: September 18, 2025
- (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: September 18, 2025
- (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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