New Season. New Ride. Great Rate.
Fall is the perfect time to get behind the wheel of something new.
Auto Loan Rates As Low As
3.50% APR*
0% Down Payment and up to 100% of NADA or KBB Value
Whether you are upgrading your current vehicle, refinancing a higher rate auto loan, or taking advantage of seasonal inventory deals, Energy Credit Union can help you get moving.
Your Next Ride Starts Here.
(*) Annual Percentage Rate (APR). Rate determination is based on credit history, loan type, collateral age and term selected. Featured rate is applicable to excellent FICO, 740 and above. Other rates and terms available. Payment examples: Borrow $30,000 for a term of 2 years or 24 months at 3.5%, pay $43.20 monthly per $1,000 borrowed. Borrow $30,000 for a term of 3 years or 36 months at 3.5%, pay $29.30 monthly per $1,000 borrowed. Borrow $30,000 for a term of 4 years or 48 months at 4.5%, pay $22.80 monthly per $1,000 borrowed. Borrow $30,000 for a term of 5 years or 60 months at 4.75%, pay $18.76 monthly per $1,000 borrowed. Borrow $30,000 for a term of 6 years or 72 months at 4.99%, pay $16.10 monthly per $1,000 borrowed. Borrow $30,000 for a term of 7 years or 84 months at 5.125%, pay $14.19 monthly per $1,000 borrowed.
Rates
New Auto / Motorcycle - Zero Down (LTV 100% KBB / NADA)
Additional 0.25% discount may be available for new electric/hybrid vehicles.
Effective: May 1, 2026
- (1) Annual Percentage Rate (APR). Rate determination is based on credit history, loan type, collateral age and term selected. Featured rate is applicable to excellent FICO, 740 and above. Other rates and terms available.
- (2) Payment examples: Borrow $30,000 for a term of 2 years or 24 months at 3.5%, pay $43.20 monthly per $1,000 borrowed. Borrow $30,000 for a term of 3 years or 36 months at 3.5%, pay $29.30 monthly per $1,000 borrowed. Borrow $30,000 for a term of 4 years or 48 months at 4.5%, pay $22.80 monthly per $1,000 borrowed. Borrow $30,000 for a term of 5 years or 60 months at 4.75%, pay $18.76 monthly per $1,000 borrowed. Borrow $30,000 for a term of 6 years or 72 months at 4.99%, pay $16.10 monthly per $1,000 borrowed. Borrow $30,000 for a term of 7 years or 84 months at 5.125%, pay $14.19 monthly per $1,000 borrowed.
Used Auto / Motorcycle (LTV 100% KBB / NADA)
Effective: May 1, 2026
- (1) Annual Percentage Rate (APR). Rate determination is based on credit history, loan type, collateral age and term selected. Featured rate is applicable to excellent FICO, 740 and above. Other rates and terms available.
- (2) Payment examples: Borrow $30,000 for a term of 2 years or 24 months at 4.125%, pay $43.48 monthly per $1,000 borrowed. Borrow $30,000 for a term of 3 years or 36 months at 4.125%, pay $29.58 monthly per $1,000 borrowed. Borrow $30,000 for a term of 4 years or 48 months at 4.99%, pay $23.02 monthly per $1,000 borrowed. Borrow $30,000 for a term of 5 years or 60 months at 5.125%, pay $18.93 monthly per $1,000 borrowed. Borrow $30,000 for a term of 6 years or 72 months at 5.50%, pay $16.34 monthly per $1,000 borrowed. Borrow $30,000 for a term of 7 years or 84 months at 5.875%, pay $14.55 monthly per $1,000 borrowed.
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