When you’re looking for excellent rates on consumer and vehicle loan products, look no further – we have the competitive rates you’re looking for.


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

New Personal RLOC & Personal Unsecured
FICO Amount Term (months) Old Rate New Rate
800 $25,000 up to 72 6.95% 6.95%
>719 $20,000 up to 72 9.95% 10.95%
680-719 $20,000 up to 72 11.95% 12.95%
620-679 $15,000 up to 60 13.95% 14.95%
580-619 $10,000 up to 48 17.95% 17.95%
500-579 $5,000 up to 48 17.95% 17.95%
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 10.95% $20.22
Personal Unsecured Closed End Up to 72 months 12.95% $20.42
Personal Unsecured Closed End Up to 60 months 14.95% $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 2.75% n/a
48 2.99% n/a
60 3.50% n/a
72 3.75% n/a
84 4.125% n/a
620-679 $50,000 24 2.25% n/a
36 3.00% n/a
48 3.125% n/a
60 3.75% n/a
72 4.00% n/a
84 4.25% n/a
580-619 $50,000 24 5.50% n/a
36 5.75% n/a
48 6.00% n/a
60 6.25% n/a
72 6.50% n/a
84 7.00% n/a
500-579 $50,000 24 9.75% n/a
36 10.00% n/a
48 10.25% n/a
60 10.50% 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 3.50% n/a
48 3.75% n/a
60 3.99% n/a
72 4.25% n/a
84 5.125% n/a
620-679 $50,000 24 3.75% n/a
36 4.00% n/a
48 4.25% n/a
60 4.50% n/a
72 4.75% n/a
84 5.50% n/a
580-619 $50,000 36 6.50% n/a
48 6.75% n/a
60 7.00% n/a
72 7.25% n/a
84 7.75% n/a
500-579 $50,000 36 10.00% n/a
48 10.25% n/a
60 11.00% 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. 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. 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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