Energy People Federal Credit Union               

Interest Rate Summary

 

New Auto & Motorcycle Loans
Credit Report Score: 
650 and Above
Credit Report Score:
649 and Under
1 - 72 Months* 2.99% 1 - 72 Months* 3.99%
73 - 84 Months** 3.99% 73 - 84 Months** 4.99%
*100% Financing
**Minimum amount financed for 73-84 months is $35,000

 

Used Auto & Motorcycle Loans
Credit Report Score: 
650 and Above
Credit Report Score:
649 and Under
2017* 72 Months 3.25% 2017* 72 Months 4.25%
2013 - 2016 72 Months 3.99% 2013 - 2016 72 Months 4.99%
2010 - 2012 60 Months 4.99% 2010 - 2012 60 Months 5.99%
2009 - Older 48 Months 6.00% 2009 - Older 48 Months 7.00%
*Over 7500 Miles

 

New Recreational Vehicles
Credit Report Score: 
650 and Above
Credit Report Score:
649 and Under
1 - 72 Months 4.75% 1 - 72 Months 5.75%
73 - 84 Months 5.25% 73 - 84 Months 6.25%
85 - 96 Months 5.75% 85 - 96 Months 6.75%
97 - 120 Months 6.25% 97 - 120 Months 7.25%
Boat, Travel Park Trailers

 

Used Recreational Vehicles
Credit Report Score: 
650 and Above
Credit Report Score:
649 and Under
2017* 72 Months 5.00% 2017* 72 Months 6.00%
2013 - 2016 72 Months 5.25% 2013 - 2016 72 Months 6.25%
2010 - 2012 60 Months 5.75% 2010 - 2012 60 Months 6.75%
2009 - Older 48 Months 6.25% 2009 - Older 48 Months 7.25%
Boat (15 year model max)
Travel Park Trailers (10 year model max)

*Over 7500 Miles

 

Unsecured Loans
Credit Report Score: 
650 and Above
Credit Report Score:
649 and Under
1 - 24 Months 10.00% 1 - 24 Months 11.00%
25 - 36 Months 11.00% 25 - 36 Months 12.00%
37 - 48 Months 12.00% 37 - 48 Months 13.00%
49 - 60 Months 13.00% 49 - 60 Months 14.00%
Signature Only - Untitled Vehicles.  Up to $10,000 or
up to $15,000 with no derogatory credit.
 

 

Secured Loans
Credit Report Score: 
650 and Above
Credit Report Score:
649 and Under
1 - 24 Months 10.00% 1 - 24 Months 11.00%
25 - 36 Months 11.00% 25 - 36 Months 12.00%
37 - 48 Months 12.00% 37 - 48 Months 13.00%
49 - 60 Months 13.00% 49 - 60 Months 14.00%
Co-signer or Collateral.  Up to $20,000.

 

Secured Loans With Shares
Credit Report Score: 
650 and Above
Credit Report Score:
649 and Under
1 - 24 Months 6.00% 1 - 24 Months 7.00%
25 - 36 Months 7.00% 25 - 36 Months 8.00%
37 - 48 Months 8.00% 37 - 48 Months 9.00%
49 - 60 Months 9.00% 49 - 60 Months 10.00%
Up to $20,000.

 

Holiday/Vacation Loans
Credit Report Score: 
650 and Above
Credit Report Score:
649 and Under
1 - 12 Months 8.50% 1 - 12 Months 9.50%
Up to $3,000.

 

1st and 2nd Mortgages
Please contact the office directly for current rates.

 

NOTES:

  1. All interest rates are subject to change without prior notice.
  2. All refinanced loans must be for a minimum of $1,000.00 of additional money to receive the current interest rate listed above, or the original loan rate remains in effect.