Rates

Auto Rates

Term Tier 1 Payments per
$1000 borrowed
Tier 2 Payments per
$1000 borrowed
Tier 3 Payments per
$1000 borrowed
3 year 1.50% $28.42 7.50% $31.11 10.50% $32.50
4 year 1.90% $21.65 7.50% $24.18 10.50% $24.18
5 year 1.95% $17.51 7.50% $20.04 10.50% $24.18
6 year 2.25% $14.86 9.50% $18.27 11.50% $19.29
7 year 2.90% $13.17 10.25% $16.73 12.25% $17.79

View More About Auto Loans

Personal Loans

Term Tier 1 Payments per
$1000 borrowed
Tier 2 Payments per
$1000 borrowed
Tier 3 Payments per
$1000 borrowed
3 year 8.90% $31.75 11.90% $33.17 14.90% $34.62
4 year 10.90% $25.80 13.90% $27.28 16.90% $28.80
5 year 12.90% $22.70 15.90% $24.26 18.00% $25.39

Computer Loans

Term Tier 1 Payments per
$1000 borrowed
Tier 2 Payments per
$1000 borrowed
Tier 3 Payments per
$1000 borrowed
3 year 9.00% $31.80 12.00% $33.21 15.00% $34.67

Real Estate Loans

1st & 2nd Mortgage

Term Tier 1 Payments per
$1000 borrowed
Tier 2 Payments per
$1000 borrowed
Tier 3 Payments per
$1000 borrowed
30 year 4.75% $5.22 8.75% $7.87 11.75% $10.01
5 year 4.00% $18.42 7.00% $19.80

View More About Real Estate Loans

Auto Terms

Model 2008 to 2014 above $20,000 Max term 8 years
Model 2003 to 2007 Max term 6 years
Model 2002 and older Max term 5 years

Members can select any term they choose as long as max terms are not exceeded.

Boats, Motorcycles, ATV’s, RV’s, and Farm Equipment are treated with the same rates and terms as auto loans.

visa-logo

Visa Cards

Visa Platinum 9.90%
Visa Classic 12.99%

View More About Visa Cards

 

 

* All rates are quoted in Annual Percentage Rates and are subject to change without notice.
** Tier 1 Credit Score is equal to or greater than 650.
***Tier 2 Credit Score is equal to or greater than 550 and less than 650.
****Tier 3 Credit Score is less than 550.
All loans are subject to the underwritting guidelines of ENERGEN Credit Union’s Lending Policy as approved by the Board of Directors annually.

ENERGEN Credit Union is an equal credit oportunity lender.