New & Used Autos/Motorcycles

Vehicle Age TermAPR*
2017-202336 months as low as 6.24%
2017-202360 Monthsas low as 6.49%
2017-2023 $10,000 and over72 months**as low as 6.74%
2017-2023 $20,000 and over84 months***as low as 7.24%
2011-2016up to 72 monthsas low as 7.74%
2010 and olderup to 48 monthsas low as 9.74%
Motorcyles, newup to 60 monthsas low as 6.99%
Motorcycles, usedup to 48 monthsas low as 7.49%

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New & Used RV/Boat/Travel Trailers

$ Financed Term APR*
New and Used RV/Boat/Travel Trailers $5,000 to $9,99948 months maxas low as 7.49%
New and Used RV/Boat/Travel Trailers $10,000 to $29,99972 months max as low as 7.49%
New and Used RV/Boat/Travel Trailers $30,000 to $49,99984 months maxas low as 7.49%
New and Used RV/Boat/Travel Trailers * Boats only up to 120 months *Boat loans over $75K may require a new appraisal $50,000 to $79,999120 months maxas low as 7.99%
New and Used RV/Boat/Travel Trailers $80,000 and up180 months maxas low as 8.49%
Personal Watercraft/ATV/Golf Cart/4 Wheeler$5,000 to $9,99948 months max as low as 8.49%
Personal Watercraft/ATV/Golf Cart/4 Wheeler$10,000 to $19,99960 months maxas low as 8.74%
Personal Watercraft/ATV/Golf Cart/4 Wheeler $20,000 and up72 months maxas low as 8.99%

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Line of Credit/Deposit Secured/Deposit Secured

$ Financed TermAPR*
Horizon line of credit (no longer available) N/AN/A
Share secured 12 to 60 months**** Share rate plus 3%
CD secured certificate term**** CD rate plus 3%

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Signature Loans

$ Financed TermAPR
Under $5,000 36 months as low as 14.99% to 17.99%
$5,000 and above 36 months as low as 10.49% to 17.99%
$5,000 and above 48 months as low as 11.49% to 17.99%

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Credit Cards

$ Financed TermAPR
Energy One Credit Cards Revolving Term Rates vary

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Effective May 4, 2023

* The Annual Percentage Rate (APR) you qualify for will be within the range disclosed and is based on certain creditworthiness criteria. Ask a credit union representative for details to determine the rate and term you qualify for. Loan-to-value restrictions apply.

** There is a $10,000 minimum loan amount for a 72 month term.

*** There is a $20,000 minimum loan amount and a maximum of 10,000 miles for an 84 month term, which is only available to borrowers in Tiers 1, 2, and 3.

**** Variable rate loan. Current Prime 7.50%, Floor 4%