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 EnerGComm
Rates for Loans, Share Rates, IRA's and CD'sWhere 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. |
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| Special Loans |
| New Auto Loans (Rates effective through August 31, 2010) |
| Rate Type | APR Rate* | |||
| NEW Vehicle | 5.49% |  |
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| 2-Year Term | ||||
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| Rate Type | APR Rate* | |||
| NEW Vehicle | 5.49% | |
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| 3-Year Term | ||||
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| Rate Type | APR Rate* | |||
| NEW Vehicle | 5.49% | |
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| 4-Year Term | ||||
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| Rate Type | APR Rate* | |||
| NEW Vehicle | 5.49% | |
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| 5-Year Term | ||||
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| Rate Type | APR Rate* | |||
| New Vehicle | 5.49% | |
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| 6 Year Term | ||||
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| Rate Type | APR Rate* | |||
| NEW Vehicle | 6.79% | |
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| 7-Year Term | ||||
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| Used Auto Loans (Rates effective through August 31, 2010) |
| Rate Type | APR Rate* | |||
| Used Vehicle | 5.49% | |
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| 2-Year Term | ||||
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| Rate Type | APR Rate* | |||
| Used Vehicle | 5.49% | |
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| 3-Year Term | ||||
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| Rate Type | APR Rate* | |||
| Used Vehicle | 5.49% | |
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| 4-Year Term | ||||
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| Rate Type | APR Rate* | |||
| Used Vehicle | 5.49% | |
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| 5 and 6 Year Term | ||||
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| Rate Type | APR Rate* | |||
| Used Vehicle | 6.79% | |
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| 7-Year Term | ||||
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| Recreational Vehicle Loans (Rates effective through August 31, 2010) |
| Rate Type | APR Rate* | |||
| NEW/USED Recreational Vehicles | 5.49% | |
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| 2-Year Term | ||||
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| Rate Type | APR Rate* | |||
| NEW/USED Recreational Vehicles | 5.49% | |
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| 3-Year Term | ||||
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| Rate Type | APR Rate* | |||
| NEW/USED Recreational Vehicles | 5.49% | |
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| 4-Year Term | ||||
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| Rate Type | APR Rate* | |||
| NEW/USED Recreational Vehicles | 5.49% | |
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| 5-Year Term | ||||
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| Rate Type | APR Rate* | |||
| NEW/USED Recreational Vehicles | 5.49% | |
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| 6-Year Term If Over $50,000 - Loan May Extend To 10 Years | ||||
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| Home Equity Loans (VARIABLE & FIXED RATE SPECIAL - Effective April 1st September 30th, 2010) |
| Rate Type | APR Rate* | |||
| Home Equity | 5.49% | * for more info, call Loan Officer at the Main Office |
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| Variable | ||||
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| Rate Type | APR Rate* | |||
| Home Equity | 5.99% | * for more info, call Loan Officer at the Main Office |
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| Fixed Five (5) Year | ||||
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| Rate Type | APR Rate* | |||
| Home Equity | 6.49% | * for more info, call Loan Officer at the Main Office |
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| Fixed Seven (7) Year | ||||
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| Rate Type | APR Rate* | |||
| Home Equity | 6.99% | * for more info, call Loan Officer at the Main Office |
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| Fixed Ten (10 ) Year | ||||
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| Rate Type | APR Rate* | |||
| Home Equity | 7.99% | * for more info, call Loan Officer at the Main Office |
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| Fixed Fifteen (15) Year | ||||
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| EnergComm Loans |
| Rate Type | APR Rate* | |||
| Personal Loan | 14.00% | |
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| Rate Type | APR Rate* | |||
| Personal PLUS Loan | 9.90% | |
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| Rate Type | APR Rate* | |||
| SHARE SECURED Loan | 3.00% | |
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| 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 S1 account rate. | ||||
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| S1 Primary Shares |
| Rate Type | APR Rate* |
APY Rate** |
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| $25.00 minimum | 1.00% | 1.01% |
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| Daily Balance/Monthly Dividend | ||||
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| S8 Special/Club Shares |
| Rate Type | APR Rate* |
APY Rate** |
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| All Special/Club Shares | 1.00% | 1.01% |
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| Daily Balance/Monthly Dividend | ||||
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| S5 Share Draft (Checking) Accounts |
| Rate Type | APR Rate* |
APY Rate** |
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| Share Draft (Checking) Accounts | 0.25% | 0.25% |
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| Daily Balance/Monthly Dividend - No minimum balance - | ||||
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| Individual Retirement Accounts (IRA’s) |
| Rate Type | APR Rate* |
APY Rate** |
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| S6 Regular IRA | 2.25% | 2.27% |
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| Daily Balance/Quarterly Dividend - $25 minimum | ||||
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| Rate Type | APR Rate* |
APY Rate** |
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| S65 Educational IRA | 2.25% | 2.27% |
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| Daily Balance/Quarterly Dividend - $25 minimum | ||||
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| Rate Type | APR Rate* |
APY Rate** |
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| S66 Roth Conversion IRA | 2.25% | 2.27% |
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| Daily Balance/Quarterly Dividend - $25 minimum | ||||
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| Rate Type | APR Rate* |
APY Rate** |
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| Regular Roth IRA | 2.25% | 2.27% |
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| Daily Balance/Quarterly Dividend - $25 minimum | ||||
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| S7 Christmas Club Accounts |
| Rate Type | APR Rate* |
APY Rate** |
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| Christmas Club Accounts | 1.00% | 1.00% |
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| Daily Balance/Annual Dividend - $25.00 and up | ||||
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| Share Certificates SHARE CERTIFICATES - Effective July 28, 2010 |
| Rate Type | APR Rate* |
APY Rate** |
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| I6 6-month Certificate | 1.00% | 1.00% |
180 days' term |
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| Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum | ||||
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| Rate Type | APR Rate* |
APY Rate** |
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| I1 1-year Certificate | 1.50% | 1.50% |
365 days' term |
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| Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum | ||||
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| Rate Type | APR Rate* |
APY Rate** |
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| I2 2-year Certificate | 1.75% | 1.75% |
730 days' term |
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| Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum | ||||
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| 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. |