6.00% APR* Home Equity Loan Borrow money for any purpose and avoid racking up high-interest credit card debt. Borrow up to $80,000 for up to ten years** and you'll pay a fixed monthly amount of 6.00% APR* with Energy CU's Home Equity Loan. The interest and term remains the same for the life of the loan. To learn more, visit Real Estate Loans or speak to Member Services. Check out our rates and estimated payments at Rates and Calculators. Did you know that within certain limits, the interest on your loan is tax-deductible? Speak with your tax advisor to learn more or visit the IRS Web site at www.irs.gov. *APR is Annual Percentage Rate. Rates are subject to change without notice. **Sample payment information: the cost of $1,000 borrowed for 10 years at 6.00% is $11.10 per month. Fun in the Sun with Vacation Club Funds! It’s easy to have fun in the sun when you have your Vacation Club funds in hand! Save for the vacation of your dreams with our Vacation Club. You can open your account at any time with no minimum deposit. Making regular deposits is easy: you can direct part of your paycheck to your Club account each pay period with direct deposit or by establishing automatic monthly withdrawals from your savings or checking account. Your Vacation Club contributions are transferred to your savings account in June. To help you stick to your savings plan, there are restrictions on early withdrawals. To join our Vacation Club, please call or visit us in our Waltham or West Roxbury offices. Vacation Club disbursements are coming in June! got npa? Our friends at Northeast Planning Associates, Inc. talk about the value of money, dollar-cost averaging, and the “Rule of 72” in “got NPA?” Learn more about Northeast Planning Associates and read their latest release. Financial Planners offer advisory services through Northeast Planning Associates, Inc. (NPA), a registered investment adviser. Securities and advisory services offered through LPL Financial, member FINRA/SIPC. Not NCUA Insured, No Credit Union Guarantee, May Lose Value. The Credit Union, NPA and LPL Financial are not affiliated. 402 Amherst Street, Unit 101, Nashua, NH 03063 (603) 689-7162. 08-037A Is it Time to Shop for a Mortgage? Energy Credit Union has mortgage money available! Buying your first home or a new home? Seeking to refinance your existing mortgage? We offer mortgages with competitive rates and various terms. Call our staff today to learn more about mortgage offerings and let us put together a mortgage that is right for you! Don't Be a Victim of E-Mail Scams Recently, members from several local credit unions received e-mail messages that appear to be from NCUA (National Credit Union Administration), the government agency that insures funds on deposit at a credit union.  These messages, called "phishing" attempts, are a favorite tool for online crooks. The e-mail messages direct users to link to fraudulent Web sites designed to gain their personal information, account number and PIN.  Don't fall for these tricks!  We NEVER ask members to supply personal information to Energy Credit Union or any agencies associated with us.  Please contact us to report suspicious e-mails.  To learn more about this particular phishing scam, visit the NCUA's Web site. Please note that this advice applies to your dealings with other financial institutions as well -- banks, credit card companies, mutual fund companies and other institutions do not solicit your personal information online.  It is a violation of security standards and good business practice.  We're Looking Out for You with FraudWatch Plus  Debit card holders have round-the-clock protection against debit card fraud. With Fraudwatch Plus, Energy Credit Union provides industry leading technology, tools and expertise to manage fraud. Experienced analysts watch for any suspicious card activity and will contact you immediately if they detect potential fraud on your card. So if you ever get a call from "Fraud Prevention Services" know that they are doing their job to protect against the fraudulent use of your card.  Apply Online for a Loan Apply today for personal loans and vehicle loans. It's fast, easy and secure!