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Consumer Loans

Revolutionize Your Financial Journey with Energy Credit Union's Consumer Loans! Embark on a financial adventure like never before with Energy Credit Union's loans. We're not just offering loans; we're providing a launchpad for your dreams, pushing the boundaries of what's possible.

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

Personal Loans

Ignite Your Dreams with Energy Credit Union's Personal Loans! We believe in turning dreams into reality. Experience the freedom to achieve your aspirations with our personalized and hassle-free Personal Loans. Your dreams are unique, and so are our Personal Loans. Enjoy a personalized lending experience designed to meet your specific needs and financial goals. We believe in making financial progress accessible.

Benefit from competitive interest rates that empower you to pursue your dreams without breaking the bank. Your dreams deserve the spotlight. Turn them into reality with Energy Credit Union's Personal Loans. Apply today, borrow up to $25,000 and let's build a future full of possibilities - Consolidate bills, pay off high-interest credit cards, or meet other expenses.

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.

Revolving Line of Credit

Experience the freedom to navigate your financial journey with ease through the dynamic power of a Revolving Line of Credit from Energy Credit Union. Unlock the flexibility to access funds whenever you need, empowering you to seize opportunities and manage life's twists and turns. Our Revolving Line of Credit is flexible, allowing you to borrow cash for your personal needs, whatever they are-when you need it. Similar to a credit card, it has an established credit limit, and it is open-ended: credit is ongoing and indefinite.

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

One Loan for your borrowing needs

Need to borrow money at various times throughout the year? With our revolving line, there is no need to open a new loan every time you need to borrow. It provides a source of reusable funds. As payments are made, the amount available on your line increases, up to your credit limit. Credit score determines your loan rate and how much you can borrow if your loan is approved.

Advantage

Our revolving line offers flexibility, quick access to funds for unexpected expenses, and a source of reusable funds. No collateral necessary. No account opening, transaction, or cash advance fees. How much credit do you qualify for?

Stop in today to find out, or call a Loan Officer at (617) 325-1999.

Secured Loans

Unlock Financial Opportunities with Confidence: Energy Credit Union's Secured Loans! We understand that sometimes you need a little extra security to achieve your financial goals. Introducing our Secured Loans – a powerful tool designed to help you borrow with confidence. Secure the funding you need while using your savings, CDs and eligible stock as collateral. Our Secured Loans offer flexible options tailored to your unique requirements. A Secured Loan is an excellent way to build or rebuild your credit history.

Timely payments contribute positively to your credit score, opening doors to future financial opportunities. While using your assets as collateral, your savings or certificates remain intact and continue to earn interest. It's a win-win situation, allowing you to access funds without depleting your financial safety net.

Holiday and Vacation Loans

Dreaming of a special holiday or a rejuvenating vacation? Energy CU is here to turn your dreams into reality with our Holiday & Vacation Loans. Enjoy the season of joy or explore new horizons with the financial support you need. Our loans are designed exclusively for holiday festivities or that well-deserved getaway. Experience the freedom to plan your dream holiday without compromise.

Borrow up to $2,000 and choose a repayment plan that fits your budget. Whether it's a short-term holiday loan or a more extended vacation financing, we've got the flexibility to suit your needs.

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.

Computer Loans

Upgrade Your Digital Experience with Energy Credit Union's Computer Loans! Stay ahead in the digital world with the power of a new computer financed by Energy Credit Union. Our Computer Loans are here to empower you, providing the tools you need to work, learn, and connect seamlessly.

Borrow up to $5,000 and ensure you're always connected with the latest technology. Our Computer Loans let you invest in cutting-edge devices, enhancing your online experience. Enjoy competitive interest rates and affordable repayment plans. We believe in making technology accessible without straining your budget.

Upgrade to a faster, more efficient computer to boost your productivity. Whether for work, studies, or creative pursuits, our loans are designed to support your goals. Trust in the security of financing through Energy Credit Union. Our member-centric approach ensures a safe and transparent lending experience.

Computer

Effective: January 17, 2024

Computer
TermAPR 1 starting atPayment per $1,000 2
Up to 24 months9.00%$45.68
  • (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.

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