Credit union · NCUA insured
Energy Capital Credit Union Auto Loan Rates
Energy Capital Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Energy Capital Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Energy Capital Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Energy Capital Credit Union
5.50%APR
- Terms
- 48–84 months
- Up to
- —
- Discount
- None included
New Autos
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Energy Capital Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Energy Capital Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Autos
Current model year. Up to 100% financing available. Purchase or refinancing. Subject to credit and underwriting guidelines. Advertised APR assumes qualification for the maximum available rate discount (up to 1.00% max). Rate discounts: 0.25% for Vehicle Service Contract (VSC) / Ext. Warranty, 0.25% for Omni Protect, 0.15% for automatic payments or ECCU checking account, 0.25% for Credit Life/Disability/IU Protection, 0.10% for GAP coverage. 90 days no payments option available for qualified borrowers on approved vehicles/refinances.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 5.50% | Current model year. Payment example: $18.65 per $1,000 borrowed (or $22.80 per $1,000 borrowed for up to 48 months). Advertised APR assumes qualification for maximum available rate discount. |
Sources (2)
All captured Oct 16, 2026
New Motorcycle, ATV, or Jet-Ski
Current model year only. Embark on your next adventure with financing for new motorcycles. Subject to credit and underwriting guidelines. Advertised APR assumes qualification for the maximum available rate discount. Rate discounts include 0.25% for Credit Life/Disability/IU Protection and 0.15% for automatic payments or ECCU checking account. Toy loans are eligible for 0.10% GAP discount.
| Terms | APR | Conditions |
|---|---|---|
| 72–84 months | 10.15% | Current model year only. Payment example: $19.55 per $1,000 borrowed. Advertised APR assumes qualification for maximum available rate discount. |
Sources (2)
All captured Oct 16, 2026
Used Autos
Up to 100% financing available. Purchase or refinancing. Subject to credit and underwriting guidelines. Advertised APR assumes qualification for the maximum available rate discount (up to 1.00% max). Rate discounts: 0.25% for Vehicle Service Contract (VSC) / Ext. Warranty, 0.25% for Omni Protect, 0.15% for automatic payments or ECCU checking account, 0.25% for Credit Life/Disability/IU Protection, 0.10% for GAP coverage. 90 days no payments option available for qualified borrowers on approved vehicles/refinances.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 5.50% | Payment example: $18.65 per $1,000 borrowed (or $22.80 per $1,000 borrowed for up to 48 months). Advertised APR assumes qualification for maximum available rate discount. |
Sources (2)
All captured Oct 16, 2026
Who can join Energy Capital Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to any individual who lives, works, worships, or attends school, or any business entity, in Harris, Montgomery, Liberty, Brazoria, Fort Bend, or Waller County, Texas.
Family and household
- Membership is available to immediate family members of any existing ECCU member who live in the same household.
Membership information collected October 5, 2026.