Energy Capital

houston, Texas
Last verified: July 10, 2026

Auto loans available from 4.5% APR. Personal loan rates from 3% APR.

Source: RateAPI.dev, verified from Energy Capital's official website

Who Can Join Energy Capital

Membership eligibility from Energy Capital's own published criteria. How we verify this.

Community charter: live/work in Houston, Katy, Spring

Verified from Energy Capital's membership page. Final membership determination is always made by the credit union.

Auto Loan Rates

Rates as of July 10, 2026

auto_new
4.500% APR
Rate4.500%
New Autos
auto_used
4.500% APR
Rate4.500%
Used Autos
auto
4.500% APR
Rate4.500%
[PROMOTIONAL] Auto Loan
auto_new
8.150% APR
Rate8.150%
New Boats
auto_new
8.150% APR
Rate8.150%
New Motorhomes/Travel Trailers
auto_new
9.150% APR
Rate9.150%
New Motorcycle, ATV, or Jet-Ski
auto_used
9.150% APR
Rate9.150%
Used Motorhomes/Travel Trailers
auto_used
9.400% APR
Rate9.400%
Used Motorcycle, ATV, or Jet-Ski
auto_used
9.750% APR
Rate9.750%
Used Boats
credit_card_platinum
12.490% APR
Rate12.490%
MasterCard Platinum
credit_card_rewards
13.490% APR
Rate13.490%
MasterCard Platinum Rewards
credit_card
14.490% APR
Rate14.490%
MasterCard WorldCard
credit_card
17.990% APR
Rate17.990%
Mastercard Cash Advances

Personal Loan Rates

Rates as of July 10, 2026

personal_secured
3.000% APR
Rate3.000%
Share-Secured Loan
ploc_variable
8.500% APR
Rate8.500%
Unsecured Line of Credit
personal
9.350% APR
Rate9.350%
Lightning Fast Home Improvement Loan
personal_unsecured
11.350% APR
Rate11.350%
Signature/Personal

Frequently Asked Questions

What rates does Energy Capital offer?

Energy Capital currently offers auto loan, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Energy Capital rates updated?

RateAPI verifies Energy Capital's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Energy Capital's rate data?

Rate data is collected directly from Energy Capital's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Energy Capital's auto loan rate?

As of July 10, 2026, Energy Capital offers auto loans from 4.5% APR.

Related Rate Data

Compare Energy Capital's rates against national credit-union benchmarks.

More Texas credit unionsAuto loan rate benchmarkPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Energy Capital
curl "https://api.rateapi.dev/credit-unions/texas/energy-capital" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude