EnerGComm Federal Credit Union
EnerGComm Rates for Loans, Share Rates, IRA's and CD's

Where the calculator appears for Loans, you may click on the icon to calculate your loan based on that specific loan type, or you can Apply Online for a loan.
Special Loans
New Auto Loans
Rate Type APR Rate*

NEW Vehicle 4.50%

2-Year Term
Rate Type APR Rate*

NEW Vehicle 4.75%

3-Year Term
Rate Type APR Rate*

NEW Vehicle 5.25%

4-Year Term
Rate Type APR Rate*

NEW Vehicle 5.99%

5-Year Term
Rate Type APR Rate*

New Vehicle 6.99%

6 And 7 Year Term
Used Auto Loans
Rate Type APR Rate*

Used Vehicle 5.00%

2-Year Term
Rate Type APR Rate*

Used Vehicle 5.25%

3-Year Term
Rate Type APR Rate*

Used Vehicle 5.75%

4-Year Term
Rate Type APR Rate*

Used Vehicle 6.50%

5, 6, and 7 Year Term
Recreational Vehicle Loans
Rate Type APR Rate*

NEW/USED Recreational Vehicles 5.00%

2-Year Term
Rate Type APR Rate*

NEW/USED Recreational Vehicles 5.25%

3-Year Term
Rate Type APR Rate*

NEW/USED Recreational Vehicles 5.75%

4-Year Term
Rate Type APR Rate*

NEW/USED Recreational Vehicles 6.50%

5-Year Term
Rate Type APR Rate*

NEW/USED Recreational Vehicles 7.50%

6-Year Term ---- If Over $50,000 - Loan May Extend To 10 Years
Home Equity Loans (VARIABLE & FIXED RATE SPECIAL - Effective October 1, 2008 through March 31, 2009)
Rate Type APR Rate*

Home Equity 5.99%

* for more info, call Loan Officer at the Main Office
Variable
Rate Type APR Rate*

Home Equity 6.49%

* for more info, call Loan Officer at the Main Office
Fixed Five (5) Year
Rate Type APR Rate*

Home Equity 6.99%

* for more info, call Loan Officer at the Main Office
Fixed Seven (7) Year
Rate Type APR Rate*

Home Equity 7.49%

* for more info, call Loan Officer at the Main Office
Fixed Ten (10 ) Year
Rate Type APR Rate*

Home Equity 8.49%

* for more info, call Loan Officer at the Main Office
Fixed Fifteen (15) Year
EnergComm Loans
Rate Type APR Rate*

Personal Loan 14.00%

Rate Type APR Rate*

Personal PLUS Loan 9.90%

Rate Type APR Rate*

SHARE SECURED Loan 3.75%

This loan is based on the number of shares you have in the Credit Union. The shares act as your collateral for the loan. This loan is 2.00% higher than the third tier of the S1 account rate.
S1 Primary Shares (tiered)
Rate Type APR Rate*

              APY Rate**

$25.00 - $7500.00 0.75%

0.75%

Daily Balance/Monthly Dividend
Rate Type APR Rate*

              APY Rate**

$7500.01 - $15,000.00 1.25%

0.75%

Daily Balance/Monthly Dividend
Rate Type APR Rate*

              APY Rate**

$15000.01 - & over 1.75%

1.01%

Daily Balance/Monthly Dividend
S8 Special/Club Shares (tiered)
Rate Type APR Rate*

              APY Rate**

$25.00 - $7500.00 0.75%

0.75%

Daily Balance/Monthly Dividend
Rate Type APR Rate*

              APY Rate**

$7500.01 - $15,000.00 1.25%

0.75%

Daily Balance/Monthly Dividend
Rate Type APR Rate*

              APY Rate**

$15000.01 - & over 1.75%

1.01%

Daily Balance/Monthly Dividend
S5 Share Draft (Checking) Accounts
Rate Type APR Rate*

              APY Rate**

Share Draft (Checking) Accounts 0.25%

0.25%

Daily Balance/Monthly Dividend - No minimum balance
Individual Retirement Accounts (IRA’s)
Rate Type APR Rate*

              APY Rate**

S6 Regular IRA 3.50%

3.55%

Daily Balance/Quarterly Dividend - $25 minimum
Rate Type APR Rate*

              APY Rate**

S65 Educational IRA 3.50%

3.55%

Daily Balance/Quarterly Dividend - $25 minimum
Rate Type APR Rate*

              APY Rate**

S66 Roth Conversion IRA 3.50%

3.55%

Daily Balance/Quarterly Dividend - $25 minimum
Rate Type APR Rate*

              APY Rate**

Regular Roth IRA 3.50%

3.55%

Daily Balance/Quarterly Dividend - $25 minimum
S7 Christmas Club Accounts
Rate Type APR Rate*

              APY Rate**

Christmas Club Accounts 1.25%

1.25%

Daily Balance/Annual Dividend - $25.00 and up
Share Certificates SHARE CERTIFICATES - Effective December 3, 2008
Rate Type APR Rate*

              APY Rate**

I6 6-month Certificate 2.50%

2.50%

180 days' term
Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum
Rate Type APR Rate*

              APY Rate**

I1 1-year Certificate 3.00%

3.00%

365 days' term
Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum
Rate Type APR Rate*

              APY Rate**

I2 2-year Certificate 3.25%

3.25%

730 days' term
Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum
Note: Based on weekly information received by EnerGComm, Share Certificate rates may change each Wednesday

* APR is the Annual Percentage Rate
* *APY is the Annual Percentage Yield

APR (Annual Percentage Rate) is simple interest without compounding. For example, $10,000 @ 6.00 APR for 2 years will produce $600 of interest per year (or $300 semiannually, or $150 quarterly, or $50 monthly). APY (Annual Percentage Yield) is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.00 APR for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years.