Energy Capital Credit Union

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Loan Rates

 

Loan Rates (effective as of June 16, 2017)
LOAN PRODUCTS Fixed Rate APR*
Signature Loan  
   up to 60 months as low as 7.75%
NEW AUTOS**  
   up to 84 months

as low as 2.52%

USED AUTOS**  
   up to 75 months as low as 2.52%
NEW BOATS  
   up to 144 months as low as 4.44%
USED BOATS  
   up to 96 months as low as 4.69%
NEW MOTORHOMES/TRAVEL TRAILERS  
   up to 120 months as low as 4.83%
USED MOTORHOMES/TRAVEL TRAILERS  
   up to 84 months as low as 5.08%
NEW MOTORCYCLES/ATV/JET-SKIS  
   up to 84 months as low as 4.92%
USED MOTORCYCLES/ATV/JET-SKIS  
   up to 72 months as low as 5.17%
UNSECURED LINE OF CREDIT  
   up to 60 months as low as 8.40%
SHARE SECURED  
   up to 60 months as low as 2.80%
STOCK SECURED  
   up to 12 months as low as 6.90%
LIGHTNING FAST HOME IMPROVEMENT LOAN**  
   up to 60 months; certain criteria apply as low as 6.75%
HOME EQUITY LOAN  
   varies by type Please call (832) 604-4848 for current rates.

All rates are dependent on credit worthiness and loan term.

*APR = Annual Percentage Rate and is inclusive of all discounts and is dependent on credit worthiness. Rates, terms and offers stated on this website are subject to change without notice. Your rate may vary based on the loan amount, term and your personal circumstances. Certain loan terms and rates depend on model year and loan amount. Membership is required before loan can be funded. Effective 9/1/2015 rates will be discounted for each stipulation that is met from the following: 1) .20% on Auto loans if an Extended Warranty is elected. 2) .20% on Auto loans if Vehicle Multi-Shield is elected. 3) .10% if GAP is elected on Auto loans, motorcycle, motorhomes, travel trailers, boats, ATV and jet ski loans. 4) .05% If Loss of Life Protection is elected. 5) .10% if a combination of Loss of Life/Disability/Involuntary Unemployment/Family Leave Protection are elected.The maximum discount for auto loans is .60% if all of the above stipulations are met. The maximum discount for motorcycle, motorhomes, travel trailers, boats, ATV and jet ski loans is .20% if all of the above stipulations are met. The maximum for all other loans is .10% if a combination of Loss of Life/Disability/Involuntary Unemployment/Family Leave Protection are elected. The rate discount excludes VISA® Platinum Credit Cards, Business MasterCard Credit Cards, Home Equity Loans, Mortgage Loans and Business Loans. Discounts are only given at time of loan closing.

**90 days of no car payments is available only for credit scores 660 or greater. Loans currently financed at ECCU are not eligible for this offer. 

**Certain criteria apply. Must be a homeowner and borrow from $5,000 to $20,000.