Current Rates at Energy Services Federal Credit Union


 

Loan Rates

 

Titled Collateral (Cars, Trucks, Motorcycles, Boats, Campers, Fish Houses, etc)

 

Term                      2015 & Newer           2013-2014           2011-2012           2010 & Older 

1 to 24 months               3.25%                            3.99%                       4.75%                        5.25%

25 to 36 months             3.25%                            3.99%                       4.75%                        5.25%

37 to 48 months             3.25%                            3.99%                       4.75%                        5.75%

49 to 60 months             3.75%                            4.25%                       4.99%                        5.99% 

61 to 72 months             3.99%                            4.50%                       5.75%                         N/A

73 to 84 months *          4.75%                             N/A                          N/A                          N/A  

New Titled Collateral can be financed for up to 100% of the purchase price.  Used Titled Collateral can be financed for up to 100% of NADA clean retail value.  Salvaged Titled/Repairable Titled can be financed up to 70% of NADA clean retail value at 6.99% for up to 60 months.  Loan Rates are based on your credit rating.  The rates quoted are our best rates.  Rates are subject to change at any time.  

*New Finances for $25,000 or more only.  

 

Untitled Collateral (ATVs, Side by Sides, Snowmobiles, etc)

Term                             2016 & Newer                                   2015 & Older 

1 to 24 months                       4.25%                                                        6.25%

25 to 36 months                     4.25%                                                        6.50% 

37 to 48 months                     4.50%                                                        6.75%

49 to 60 months                     4.75%                                                          N/A  

New Untitled Collateral financed for up to 100% of purchase price.  Used Untitled Collateral financed for up to 100% of NADA clean retail value.  Loan Rates are based on your credit rating.  The rates quoted are our best rates.  Rates may be higher based on your credit report.  Rates are subject to change at any time.  

 

Signature/Personal Loans

Term                                  

1 to 12 months                  8.00%

13 to 24 months                8.50%

25 to 48 months                9.00%

49 to 60 months                12.00%

Loan Rates are based on your credit rating.  The rates quoted are our best rates.  Rates may be higher based on your credit report.  Rates are subject to change at any time.  

All active checkcing account holders may receive a .25% discount on colletralized loan rates.  

No Loan Rates with Energy Services FCU can exceed 15.00%.  

Shares Secured Loans 2.99% 

For Current Home Equity Rates Please Call (320) 255-8687. 

 

Share Savings Account Rates

Account Balances of $25.00 to $5,000.00      .08%

Account Balances of $5,000.01 +                   .15%

 

 

168711253

12 Month CD Special

1.35%

$2,500.00 Minimum Deposit Required

New Funds Deposited to the Credit Union Only

Limited Time Only!  

Certificates of Deposit

Term          Rate          APY          Minimum Deposit    
 

3 Month     .30%       .30%              $500.00

6 Month     .40%       .40%            $1,000.00

12 Month    .50%       .50%            $2,500.00

15 Month    .55%       .55%            $2,500.00

18 Month    .60%       .60%            $2,500.00

24 Month   .65%        .65%            $2,500.00

© Copyright 2015 Energy Services Federal Credit Union

Energy Services FCU

600 25th Ave S Suite 101

St. Cloud, MN 56301

email@energystcloud.org

(320) 255-8687 Fax (320) 774-3002

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