Energy People Federal Credit Union               

Interest Rate Summary

 

New Auto & Motorcycle Loans
Credit Report Score:  
651 and Above
Credit Report Score:
650 and Under
Up to 48 Months* 3.25% Up to 48 Months* 4.75%
60 - 72 Months* 3.50% 60 - 72 Months* 5.00%
 84 Months** 4.50%  84 Months** 6.00%
*100% Financing
**Minimum amount financed for 73-84 months is $35,000

 

Used Auto & Motorcycle Loans
Credit Report Score: 
651 and Above
Credit Report Score:
650 and Under
2019* 72 Months 4.00% 2019* 72 Months 5.50%
2015 - 2018 72 Months 4.75% 2015 - 2018 72 Months 6.25%
2012 - 2014 60 Months 5.75% 2012 - 2014 60 Months 7.25%
2011 - Older 48 Months 7.25% 2011 - Older 48 Months 8.75%
*Over 7500 Miles

 

New Recreational Vehicles
Credit Report Score: 
651 and Above
Credit Report Score:
650 and Under
72 Months 5.50% 72 Months 7.00%
84 Months 6.00% 84 Months 7.50%
 96 Months 7.00%  96 Months 8.50%
120 Months 8.00% 120 Months 9.50%
Boat, Travel Park Trailers

 

Used Recreational Vehicles
Credit Report Score: 
651 and Above
Credit Report Score:
650 and Under
2019* 72 Months 5.75% 2019* 72 Months 7.25%
2015 - 2018 72 Months 6.00% 2015 - 2018 72 Months 7.50%
2012 - 2014 60 Months 6.50% 2012 - 2014 60 Months 8.00%
2011 - Older 48 Months 8.00% 2011 - Older 48 Months 9.50%
Boat (15 year model max)
Travel Park Trailers (10 year model max)

*Over 7500 Miles

 

Unsecured Loans
Credit Report Score: 
651 and Above
Credit Report Score:
650 and Under
 24 Months 10.50%  24 Months 12.00%
 36 Months 11.50%  36 Months 13.00%
 48 Months 12.50%  48 Months 14.00%
 60 Months 13.50%  60 Months 15.00%
Signature Only - Untitled Vehicles.  Up to $10,000 or
up to $15,000 with no derogatory credit.
 

 

Secured Loans
Credit Report Score: 
651 and Above
Credit Report Score:
650 and Under
 24 Months 10.50%  24 Months 12.00%
 36 Months 11.50%  36 Months 13.00%
 48 Months 12.50%  48 Months 14.00%
 60 Months 13.50%  60 Months 15.00%
Co-signer or Collateral.  Up to $20,000.

 

Secured Loans With Shares
Credit Report Score: 
651 and Above
Credit Report Score:
650 and Under
 24 Months 6.50%  24 Months 8.00%
 36 Months 7.50%  36 Months 9.00%
 48 Months 8.50%  48 Months 10.00%
 60 Months 9.50%  60 Months 11.00%
Up to $20,000.

 

Holiday/Vacation Loans
Credit Report Score: 
651 and Above
Credit Report Score:
650 and Under
12 Months 9.25% 12 Months 10.75%
Up to $3,000.

 

Union Dues Loans
Credit Report Score: 
651 and Above
Credit Report Score:
650 and Under
12 Months 8.25% 12 Months 9.75%
Up to $1,000.

 

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.