Your Insider’s Guide to Finding the Best Electricity Rates and Energy Plans in Three Rivers
Whether a business owner, new resident, or long-time citizen of Three Rivers, this comprehensive guide will enable you to find your best solution for an electricity plan.
Three Rivers Electricity Rates
| Provider | Plan | Price | Term | Cancellation Fee | Type | Docs | |
|---|---|---|---|---|---|---|---|
J | Just Energy | Smart Choice - 12 Credits | 7.6c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | SimpleSaver 12 Credits | 7.6c per kWh | 12 Mo | $150 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 12 Credits | 7.7c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
F | Frontier Utilities | Saver Plus 12 Credits | 7.7c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Plus 12 Green Credits | 7.7c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 12 Green Credits | 7.8c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Lone Saver Plus 12 Green Credits | 7.8c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 13 Credits | 7.9c per kWh | 13 Mo | $250 | Fixed | |
A | APGE | SimpleSaver 8 Credits | 8.1c per kWh | 8 Mo | $150 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 8 Credits | 8.2c per kWh | 8 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Maxx Saver Value 24 Credits | 8.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 24 Green Credits | 8.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 24 Credits | 8.5c per kWh | 24 Mo | $250 | Fixed | |
R | Rhythm Energy | Rhythm Saver 12 Green Credits | 9.0c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
D | Discount Power | Bill Credit Bundle 24 Credits | 9.7c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 12 Credits | 9.7c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus 24 Credits | 9.7c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Bill Bonus 12 Credits | 9.7c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | SimpleSaver 36 Credits | 9.9c per kWh | 36 Mo | $350 | Fixed | |
J | Just Energy | Smart Choice - 24 Credits | 11.3c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 12 Credits | 11.5c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 24 Credits | 11.8c per kWh | 24 Mo | $175 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 11.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 11.9c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 12 plan Credits | 12.5c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 24 plan Credits | 12.5c per kWh | 24 Mo | $295 | Fixed | |
A | Atlantex Power | Luminous 12 | 13.7c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
C | Constellation | 12 Month (No Min Usage Fee) | 13.8c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | True Simple 13 | 14.2c per kWh | 13 Mo | $250 | Fixed | |
A | Atlantex Power | Luminous Green 12 Green | 14.2c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | True Simple 12 | 14.3c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 12 Green Credits | 14.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | Texas Bright 13 Green Credits | 14.4c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
D | Direct Energy | Live Brighter Lite 12 | 14.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 14.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 14.5c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | True Simple 24 | 14.7c per kWh | 24 Mo | $250 | Fixed | |
C | Constellation | 12 Month GREEN (No Min Usage Fee) | 14.8c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Pure Power 24 plan | 14.9c per kWh | 24 Mo | $295 | Fixed | |
R | Reliant | Pure Power 12 plan | 15.0c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 24 Green Credits | 15.0c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | 12th Month Free - 12 | 15.1c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | True Simple 36 | 15.2c per kWh | 36 Mo | $350 | Fixed | |
F | Frontier Utilities | Light Saver 12 | 15.3c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 36 Green Credits | 15.3c per kWh | 36 Mo | $20/Mo remaining | Fixed | |
G | Gexa Energy | Gexa Light Saver 12 Green | 15.4c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Value 12 Green Credits | 15.5c per kWh | 12 Mo | $150 | Fixed | |
D | Discount Power | Essential Saver 12 | 15.5c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Simple Advantage 24 | 15.5c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Simple Advantage 12 | 15.5c per kWh | 12 Mo | $150 | Fixed | |
D | Direct Energy | Live Brighter Lite 24 | 15.5c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 15.5c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 15.5c per kWh | 24 Mo | $295 | Fixed | |
F | Frontier Utilities | Saver Value Plus 12 Credits | 15.6c per kWh | 12 Mo | $150 | Fixed | |
D | Discount Power | Wise Buy Basic 24 Online | 15.7c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Bright Secure 12 | 15.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 15.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 15.9c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Simply Green 13 Green | 15.9c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | Simply Days Free - 24 | 16.0c per kWh | 24 Mo | $175 | TOU | |
T | Tara Energy | Weekends Free Plan - 24 | 16.0c per kWh | 24 Mo | $175 | TOU | |
A | Amigo Energy | Secure Energy - 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Basics - 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
R | Reliant | Basic Power 12 plan | 16.1c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Basic Power 24 plan | 16.1c per kWh | 24 Mo | $295 | Fixed | |
R | Rhythm Energy | Simply Green 23 Green | 16.2c per kWh | 23 Mo | $20/Mo remaining | Fixed | |
A | APGE | Rent Simple Saver 12 Credits | 16.3c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Rent Simple Saver 13 Credits | 16.4c per kWh | 13 Mo | $250 | Fixed | |
J | Just Energy | Renters Choice - 12 | 16.5c per kWh | 12 Mo | None | Fixed | |
J | Just Energy | Basics - 12 | 16.5c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 12 | 16.5c per kWh | 12 Mo | $175 | Fixed | |
D | Direct Energy | Live Brighter 1K+ 24 | 16.7c per kWh | 24 Mo | $295 | Fixed | |
A | Amigo Energy | Simply Days Free - 12 | 16.8c per kWh | 12 Mo | $175 | TOU | |
A | APGE | Rent Simple Saver 24 Credits | 16.9c per kWh | 24 Mo | $250 | Fixed | |
A | APGE | Rent Simple Saver 18 Credits | 17.3c per kWh | 18 Mo | $250 | Fixed | |
4 | 4Change Energy | Cash Money 12 Credits | 17.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | One Rate 12 | 17.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
G | Green Mountain | Pollution Free Conserve 12 Preferred Green | 17.5c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free Conserve 24 Preferred Green | 17.5c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | Rent Simple Saver 36 Credits | 17.5c per kWh | 36 Mo | $350 | Fixed | |
J | Just Energy | Simple Value - 24 Credits | 17.7c per kWh | 24 Mo | $175 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 24 Preferred Green | 17.7c per kWh | 24 Mo | $295 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 12 Preferred Green | 17.7c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 36 Credits | 17.9c per kWh | 36 Mo | $175 | Fixed | |
D | Discount Power | Bill Credit Bundle Essential 12 Credits | 17.9c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Base 12 Credits | 17.9c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 12 Credits | 18.0c per kWh | 12 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Value 12 Credits | 18.1c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Lite 12 Green Credits | 18.1c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Simple Rate 12 | 18.1c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Simple Rate 12 | 18.1c per kWh | 12 Mo | $150 | Fixed | |
4 | 4Change Energy | Power Maxx Saver 24 Credits | 18.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Power Maxx Saver 12 Credits | 18.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
F | Frontier Utilities | Saver Deluxe 12 Credits | 18.8c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Advantage 12 Green Credits | 18.8c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Mega Saver - 12 Credits | 19.1c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | Ultra Flex 1 | 19.1c per kWh | 1 Mo | None | Fixed | |
A | APGE | High Usage Saver12 Credits | 19.2c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Mega Saver - 24 Credits | 19.3c per kWh | 24 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Premier 12 Credits | 19.3c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Premier 12 Green Credits | 19.4c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | High Usage Saver13 Credits | 19.4c per kWh | 13 Mo | $250 | Fixed | |
R | Rhythm Energy | Watt a Deal 12 Green Credits | 19.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Texas Two-K 12 Green Credits | 19.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
P | Payless Power | 12 Month - Prepaid - No Deposit & No Credit Check Credits | 19.7c per kWh | 12 Mo | $49 | Prepay | |
P | Payless Power | 6 Month - Prepaid -No Deposit & No Credit Check Credits | 19.7c per kWh | 6 Mo | $49 | Prepay | |
T | TXU Energy | Ultimate Season Pass 12 | 19.7c per kWh | 12 Mo | $150 | TOU | |
T | TXU Energy | Ultimate Season Pass 12 | 19.7c per kWh | 12 Mo | $150 | TOU | |
A | APGE | High Usage Saver24 Credits | 19.9c per kWh | 24 Mo | $250 | Fixed | |
T | TXU Energy | Flex Forward | 20.1c per kWh | 1 Mo | None | Fixed | |
T | TXU Energy | Flex Forward | 20.1c per kWh | 1 Mo | None | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 24 Credits | 20.2c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 12 Credits | 20.2c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 12 Credits | 20.2c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 24 Credits | 20.2c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | High Usage Saver36 Credits | 20.5c per kWh | 36 Mo | $350 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 12 plan Credits | 20.6c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 24 plan Credits | 20.6c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 20.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 20.9c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free Green Savings Plus 24 Preferred Green Credits | 21.6c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 22.0c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 22.0c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 23.3c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 23.3c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Twelve Hour Power 12 Credits | 23.5c per kWh | 12 Mo | $150 | TOU |
You can choose your household’s electric provider in Three Rivers.
Compare Power is a free consumer service started in 2009 to help residents of Three Rivers search for their lowest-rate electricity plan.
These official rates are identical to those you’ll find contacting the electricity providers or visiting their websites.
Plans from several different energy providers are shown in a convenient layout that simplifies evaluating alternatives.
This assures Texas energy customers to avoid hidden fees and advertising gimmicks by comparing plans “apples-to-apples” without throwing away hours calling different energy companies or sorting through hundreds of websites.
Electricity Price Trends in Three Rivers
Electricity in Three Rivers is deregulated. As a resident, you can choose a retail electricity provider (your energy provider), which gives you insight and control over your energy bills.
Deregulation of energy in the state de-monopolized the energy market for most of Texas, the city of Three Rivers included, which introduced massive competition.
As a result, many fantastic energy providers compete for your business in Three Rivers by offering low rates, making it a great time to shop, switch, and save on your electricity bill.
As many as 65+ retail electricity providers compete for your account in Three Rivers, and hundreds of plans exist to sort through.
Average Electricity Rates in Three Rivers
January 2026The average residential electricity rate in Texas is 16.1¢, 14% less than the U.S. average.
EIA Rates
Residential · Texas · last 24 months
- Latest
- 15.7¢/kWh
- Period avg
- 15.3¢/kWh
- Min
- 14.5¢/kWh
- Max
- 16.1¢/kWh
Got me the cheapest electric. Nice.
How to Find the Best Energy Plan in Three Rivers
#1 rule: Determine what your usage is!
Discovering how much electricity you will use each month is the ideal way to find a deal on electricity in Three Rivers. Why is this important?
The rate electricity companies advertise for an exact monthly usage (typically 1000 kWh).
Every plan has a different equation for how your monthly statement is determined, and your monthly bill will change according to how much electricity you use in the month.
Unless you match the exact advertised usage each month, you will pay a “price per kWh” different than the one you saw advertised when you enrolled.
Thankfully, there’s a better way to select your power plan.
Calculating your total monthly bill based on anticipated monthly usage, then comparing rates by total monthly cost is the best way to shop for the best rate for your household.
Better yet, if you have a year of usage history for your household, you can compare plans by total annual cost. This annualized method considers the changes in usage between the summer and winter months and is the ideal way to find the perfect energy rate plan for your home.
Compare Power does all the complicated math for you instantly. What could take you hours on a spreadsheet is now solved in moments.
We put you in the driver’s seat, taking what would amount to hours of research, spreadsheets, and calculations across hundreds of offers to assist you step-by-step with the electricity rate plan that’s best for your household’s consumption.
We clarify the details, disclosing all fees, so you’ll know precisely where your money is going and what to expect on your bill.
We then help you sign up with your chosen power provider without leaving our service.
The bottom line is you should understand your expected or historical usage before choosing the right electricity plan for your home.
If you don’t know your usage, estimate
Suppose you recently purchased a home or business or cannot obtain 12 months usage history. In that case, you can always estimate your average monthly energy usage.
While not as optimal as having all the previous 12 months of usage, estimating your average usage is better than blindly picking the first plan you see advertised by an electricity company at a specific usage that isn’t what you’ll consume.
Use Compare Power to shop for the best electricity plan for your specific usage.
Moving to Three Rivers: Setting up Electricity
If this is your first time setting up electricity service in Three Rivers, to get the best rate, you need to get the previous 12 months of energy usage for your new home.
Ask the previous homeowner to provide you with their past 12 months of usage.
This information is readily found in recent billing statements.
Acquiring usage for the past 12 months may take effort, but the time (and savings) will be well worth it.
Once you have historical usage, Compare Power will do the math instantly to help you find the best plan for your home’s usage pattern.
Note: If you cannot obtain historical usage information, a second option would be to estimate your future usage via our “Help Me Choose” tool. The tool can assess your home’s projected electricity consumption by simply entering your zip code.
By signing up for a plan through Compare Power, you will receive automated reminders when renewing your existing plan or possibly switching plans.
Switching Electricity Companies in Three Rivers
Switching is good. Market conditions are constantly changing, so shopping for a lower rate yearly when your contract expires is essential.
Your existing energy company will typically raise your energy rate once your contract expires. If you do not act, you’ll be left on a month-to-month rate significantly higher than the plan you signed up for.
Before renewing your contract, shop the rates of competing electricity providers.
Switching can save you hundreds or thousands of dollars yearly on your energy bill.
Switching is easy:
- You don’t have to contact your current company to cancel (no “break-up call”)
- No one comes to your home
- There is no disruption in your electricity supply
- It takes just minutes
When you decide to switch, your new electricity company will take care of everything for you, including terminating service with your previous company.
Your lights stay on when you switch. Electricity in Three Rivers is all delivered by the Oncor Transmission and Distribution Utility.
The wires and poles that deliver power to your home do not change when you switch electricity companies. Therefore the reliability of your service is not affected.
You can pick any date within 14 days of your contract expiration without an “early termination” fee. Texas law protects you here.
If you’re still under contract, find out how many months remain on your contract. You can set a future start date with most providers up to 6o days in advance.
The amount saved each month by switching to a different electricity company may outweigh the one-time fee to get out of your contract early.
If you’re ready to switch and want to know how to find the best plan, remember that understanding your usage is the best way to find the cheapest rate.
You will want to find your past usage for the last 12 months to determine your household’s best plan with the lowest rate.
Three Rivers Energy Companies
Showing 30 active providers · residential. Sorted by Google rating.
Looking for a great electric company in Three Rivers?
You can enroll for service with great companies such as TXU Energy, Reliant, Direct Energy, and more.
Click on the provider of your choice to view prices, learn more, or sign up.
No-Deposit Electricity Plans in Three Rivers
If you need to find an energy plan in Three Rivers that requires no deposit, we can help.
If you are assessed a deposit on your first plan selection, Compare Power will automatically show you other plans available without a deposit.
Instead of calling around energy companies or browsing websites to determine if different electricity companies need a deposit, this will save you a lot of time and effort.
Working for you, we will instantly review any deposit requirements for other plans, allowing you to get power and return to your regular activities stress-free.
Learn how to get no-deposit lights.
Deposit Waivers
You may be eligible to waive the deposit if you meet one of the Texas Public Utility Commission §25.478 - PUCT §25.478.
Three Rivers Business Energy Rates
You’re in good company if you run a business in Three Rivers.
Three Rivers has become a thriving place for many small to mid-sized companies. The city is small enough to get to know people and thrive, yet close enough to large metropolitan cities that provide even more growth opportunities.
You need to compare prices from competing providers to lower your electricity costs.
Compare Power bridges the gap between your business and energy companies by inviting various energy providers to compete for your business in a sealed bid process.
You enroll your information once, and the providers will present their bids. You choose the best price. Simple, quick, and easy.
Click here** to get competing quotes for your business electricity.**
Three Rivers Utilities
Electricity
To learn more about smart meters or to download your electricity usage, visit (866) 223-8508.
To report an issue with your electricity service or power outages in Three Rivers, visit the https://outagemap.aeptexas.com/ or call them at (866) 223-8508.
Gas
Call or visit Three Rivers’ official city website for gas service in Three Rivers to determine who your provider is.
Waster/Sewer/Garbage/Recycling
In Three Rivers the City of Three Rivers usually handles water, garbage, sewer, and recycling services.
Other Utility Service Areas in Texas
Not in the AEP Central Service area? Search low electricity rates by service area and local utility company.
Click on your Texas Distribution Utility (TDU) below to compare electricity rates in your service area.
- CenterPoint
- Oncor
- Texas-New Mexico Power (TNMP)
- AEP Texas North
- AEP Texas Central
- Sharyland Utilities
View Electricity Prices for Zip Codes in Three Rivers
Find cheap electricity rates by zip code. Click on your zip code below to find competitive rates in your area.
Popular TX ZIP codes
- 75001
- 75002
- 75006
- 75007
- 75009
- 75010
- 75011
- 75013
- 75015
- 75019
- 75020
- 75021
- 75022
- 75023
- 75024
- 75025
- 75028
- 75032
- 75033
- 75034
- 75035
- 75036
- 75038
- 75039
- 75040
- 75041
- 75042
- 75043
- 75044
- 75046
- 75048
- 75050
- 75051
- 75052
- 75054
- 75056
- 75057
- 75058
- 75060
- 75061
Showing 40 of 1321 TX ZIP codes.
View Electricity Prices for Cities Near Three Rivers
Are you searching for a lower electricity rate in a different city? If so, you can find the location below and then click to sign up for a more affordable electricity plan.
If your city is not on the list, use the zip code finder for a rate lower than what you currently pay in your city.