Energy Capital Credit Union

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Loan Rates

 

Loan Rates (effective as of February 1, 2018)
LOAN PRODUCTS Fixed Rate APR*
SIGNATURE/PERSONAL  
   up to 60 months as low as 7.20%
   60 monthly payments of $19.90 per $1,000 borrowed.  
NEW AUTOS  
   up to 84 months as low as 2.14%
    84 monthly payments of $12.83 per $1,000 borrowed.  
USED AUTOS  
   up to 72 months as low as 2.14%
   72 monthly payments of $14.81 per $1,000 borrowed.  
NEW BOATS  
   up to 120 months as low as 4.54%
   120 monthly payments of $10.38 per $1,000 borrowed.  
USED BOATS  
   up to 120 months as low as 4.79%
   120 monthly payments of $10.50 per $1,000 borrowed.  
NEW MOTORHOMES/TRAVEL TRAILERS  
   up to 120 months as low as 4.68%
   120 monthly payments of $10.45 per $1,000 borrowed.  
USED MOTORHOMES/TRAVEL TRAILERS  
   up to 120 months as low as 4.93%
   120 monthly payments of $10.57 per $1,000 borrowed.  
NEW MOTORCYCLES/ATV/JET-SKIS  
   up to 72 months as low as 4.77%
   72 monthly payments of $16.00 per $1,000 borrowed.  
USED MOTORCYCLES/ATV/JET-SKIS  
   up to 72 months as low as 5.02%
   72 monthly payments of $16.11 per $1,000 borrowed.  
UNSECURED LINE OF CREDIT  
   3% of Balance as low as 8.35%
SHARE SECURED  
   up to 60 months as low as 2.80%
   60 monthly payments of $17.88 per $1,000 borrowed.  
STOCK SECURED  
   up to 12 months as low as 6.90%
   12 monthly payments of $86.48 per $1,000 borrowed.  
LIGHTNING FAST HOME IMPROVEMENT LOAN**  
   up to 60 months; certain criteria apply as low as 6.98%
   60 monthly payments of $19.79 per $1,000 borrowed.  
CREDIT REBUILDER LOAN  
   up to 60 months as low as 11.65%
   60 monthly payments of $22.07 per $1,000 borrowed.  
HOME EQUITY LOAN  
   varies by type Please call (832) 604-4848 for current rates.

*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 9/1/2017 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. 6) .10% if Automatic Payments are set up. The maximum discount for auto loans is .70% if all of the above stipulations are met. The maximum discount for motorcycle, motorhomes, travel trailers, boats, ATV and jet ski loans is .30% if all of the above stipulations are met. The maximum for all other loans is .20% if a combination of Loss of Life/Disability/Involuntary Unemployment/Family Leave Protection are elected and Automatic Payments are set up. 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.

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