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: April 22, 2026
- (1) Annual Percentage Rate and amount is based on current credit rating.
- (2) Payment example: borrow $25,000 for a term of 6 years or 72 months at 9.75%, payments are $18.40 monthly per $1,000 borrowed.
Personal Revolving Line of Credit
Effective: April 22, 2026
- (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: April 22, 2026
- (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: April 22, 2026
- (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: April 22, 2026
- (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: April 22, 2026
- (1) Annual Percentage Rate and amount is based on current credit rating. Additional 0.25% discount may be available for new electric/hybrid vehicles.
- (2) Payment example: borrow $30,000 for a term of 2 years or 24 months at 3.5%, pay $43.20 monthly per $1,000 borrowed.
Used Auto / Motorcycle (LTV 100% KBB / NADA)
Effective: April 22, 2026
- (1) Annual Percentage Rate and amount is based on current credit rating.
- (2) Payment example: borrow $30,000 for a term of 2 years or 24 months at 4.125%, pay $43.48 monthly per $1,000 borrowed.
New Boat / RV
Effective: April 22, 2026
- (1) Annual Percentage Rate and amount is based on current credit rating.
- (2) Repayment amounts will vary depending on the term. Payment example: borrow $30,000 for a term of 10 years or 120 months at 9.95%, pay $13.19 monthly per $1,000 borrowed. Borrow $30,000 for a term of 5 years or 60 months at 14.95%, pay $23.76 monthly per $1,000 borrowed.
Used Boat / RV
Effective: April 22, 2026
- (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 term is 5 years old used boats & RVs. Payment example: borrow $30,000 for a term of 5 years or 60 months at 14.95%, pay $23.76 monthly per $1,000 borrowed. Borrow $30,000 for a term of 5 years or 60 months at 17.95%, pay $25.37 monthly per $1,000 borrowed.
- Max 5 years old used boats & RVs.
Latest From Our Blog
Payclipper Loan Program Update
Just over a month ago, Energy Credit Union proudly launched the Payclipper Home Upgrade Loan Program, and in that short time, we’ve already seen remarkable engagement from our members.
Home Improvements on the Rise - and So Are Costs
If you're planning a home improvement project this year—whether it's upgrading your heating and cooling system, remodeling your kitchen or bath, or even just tackling long-overdue repairs—you may want to act sooner rather than later.
Savings Tips for College Students
College students need all the help they need when it comes to saving money. Who better to advise them than the pros at online tax preparation software company TaxSlayer.com?
Is it Possible to Buy a House with Bad Credit?
Lenders want to know that you can pay the monthly payments, plus interest and insurance. If you can show proof of debt management and affordability, you’ll have a far better chance of getting authorized, even if you have a bad credit score.