Auto Buying Assistance

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CUNA's Anytime Advisor New car buying coach.

CUNA's Anytime Advisor Used car buying coach.

Concierge Auto Locate Service
Let Concierge Auto Locate Service do all the footwork for you when you are ready for your next new or pre-owned car, truck or SUV. As a free service from your credit union, the goal is to help you locate your desired vehicle at the lowest discounted price through a certified network dealer in your area. Avoid the hassle; simplify your auto buying experience, save time, money and frustration. 

Member Auto Sales
Member Auto Sales is a credit union owned sales outlet. It was developed to offer a friendly alternative to the traditional hassle and haggle associated with pre-owned automobile buying. With Member Auto Sales you can choose from a variety of certified late model autos. We offer a large selection of 80-point inspected and certified quality pre-owned Cars, Trucks, Vans and SUVs. Finding the car of your dreams has never been easier! 

Auto Exam
Nobody wants a lemon. Auto Exam will eliminate your fears when buying a used vehicle. They will send a mobile unit and an ASE certified technician to perform a complete bumper-to-bumper inspection before you decide to buy. Feel at ease when you make that long-term investment in the vehicle of your dreams.

Preferred Dealer List
Energy Capital is a member of the CUAC (Credit Union Acceptance Company) network, which means that car buying just became easier for you. You can go to a CUAC approved dealership and close your loan at the lot. You never even have to come see our smiling faces, unless of course you want to.

Finance Your New or Used Auto
Whether it's the beat up old truck that you want to restore, we'll make the car buying process as painless as possible. We offer great low rates and terms to fit your needs. Click here to view our current auto loan rates. 

Auto Insurance
At Energy Capital, we care about the safety and financial well-being of our members. Proof of full coverage auto insurance is required on all auto loans. To check to see if your auto insurance policy is current, please click here.You may also obtain a free auto insurance quote from our MEMBERS® Auto Insurance Program. For more information and to obtain your free auto insurance quote, click here.

Credit Life and Disability
Credit Life and Disability protection are provided through CUNA Mutual Group. Both credit life and disability are insurance policies which are purchased to match the amount of the loan or line of credit at any given time. In the event of death, the member is guaranteed that the covered loan balance is paid in full. In the event of a disability, the member is guaranteed that payments will be made on their behalf during this time. The benefits of this coverage are most individuals are eligible, there are no medical screenings, it is immediate and very inexpensive coverage and your premium will be included in your monthly payment.

GAP Insurance
Feel secure in the event that you have a total loss of your auto due to an accident or theft. With GAP Insurance, you can have peace of mind knowing that your vehicle will be covered and you won't be stuck paying for a vehicle that you no longer have. GAP will cover the difference in the cash market value and the amount still owed to the lender if the vehicle is not paid in full in the event of a total loss. GAP is most useful when the cash market value is less than what is still owed. New, used and leased vehicles up to $100,000 in value qualify for GAP coverage.

Extended Warranty
You can also purchase an extended warranty to insure that your vehicle is covered past the dealership's warranty coverage period. Safety and peace of mind are very important to us when it comes to our members.