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.

Rates are effective as of  August 1, 2022. Rates are subject to change without notice.

Consumer Loan Rates Table
Loan Type Term APR *
starting at		 Payment
per $1,000 **
Personal Unsecured Closed End Up to 72 months 6.95% $19.92
Personal Unsecured Closed End Up to 72 months 9.95% $20.22
Personal Unsecured Closed End Up to 72 months 11.95% $20.42
Personal Unsecured Closed End Up to 60 months 13.95% $20.63
Personal Unsecured Closed End Up to 48 months 17.95% $21.04
Personal Revolving Line of Credit Revolving 6.95% $25.00 ***
N.O.W. 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% $0
Computer Up to 24 months 9.00% $45.68
New Auto/ Motorcycle- Zero Down (LTV 100% KBB/ NADA)
FICO Amount Term (months) Rate Payment
per $1,000 **
680 & up $50,000 24 1.99% n/a
36 2.50% n/a
48 2.75% n/a
60 3.25% n/a
72 3.50% n/a
84 3.99% n/a
620-679 $50,000 24 1.99% n/a
36 2.50% n/a
48 2.75% n/a
60 3.25% n/a
72 3.75% n/a
84 4.125% n/a
580-619 $50,000 24 5.25% n/a
36 5.50% n/a
48 5.75% n/a
60 6.00% n/a
72 6.25% n/a
84 6.75% n/a
500-579 $50,000 24 9.50% n/a
36 9.75% n/a
48 10.00% n/a
60 10.25% n/a
Used Auto/ Motorcycle (LTV 90%- KBB/ NADA)
FICO Amount Term (months) Rate Payment
per $1,000 **
680 & up $50,000 24 2.99% n/a
36 3.25% n/a
48 3.50% n/a
60 3.75% n/a
72 4.00% n/a
84 4.99% n/a
620-679 $50,000 24 3.50% n/a
36 3.75% n/a
48 4.00% n/a
60 4.25% n/a
72 4.50% n/a
84 5.25% n/a
580-619 $50,000 36 6.25% n/a
48 6.50% n/a
60 6.75% n/a
72 7.00% n/a
84 7.50% n/a
500-579 $50,000 36 9.75% n/a
48 10.00% n/a
60 10.50% n/a
Boat/RV Rates Table
Loan Type Term APR *
starting at		 Payment
per $1,000 **
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 August 1, 2022 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 May 1, 2021 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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