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Rates

 

Loan Rates

Type of LoanMaximum AmountTerms used to calculate paymentsAPR* as low asPayment example per $1,000.00 borrowed
Auto Loans*
New100% Financingup to 36 months1.99%36 monthly payments of $28.64 at 1.99% APR
New100% financing48 to 72 months2.24%72 monthly payments of $14.86 at 2.24%
New100% financing73 to 84 months2.99%84 monthly payments of $13.21 at 2.99% APR
New100% financing85 to 96 months4.99%96 monthly payments of $12.66 at 4.99% APR
Used100% Financing12 to 36 months2.24%36 monthly payments of $36.75 at 2.24% APR
Used100% Financing48 to 72 months2.49%72 monthly payments of $14.86 at 2.49% APR
Used100% Financing73 to 84 months3.24%84 monthly payments of $13.33 at 3.24% APR
Used100% Financing85 to 96 months5.24%96 monthly payments of $12.78 at 5.24% APR
Older Model Year VehiclesContact Credit Unionup to 60 months3.99%60 monthly payments of $16.84 at 3.99% APR
Older Model Year VehiclesContact Credit Union61 to 72 months4.99%72 monthly payments of $16.11 at 4.99% APR
Cash Out Refinances and Classic CarsContact Credit Unionup to 60 months6.24%60 monthly payments of $19.46 at 6.24% APR
Motorcycle and Personal Watercraft Loans
New & Used100% Financingup to 72 months4.24%72 monthly payments of $15.76 at 4.24% APR
New and Used TractorsContact Credit UnionUp to 60 months6.24%60 monthly payments of $19.45 at 6.24% APR
Boat & RV Loans**
New & Used Purchase and Rollovers100% Financingup to 72 months5.24%72 monthly payments of $16.23 at 5.24% APR
New & Used Purchase and Rollovers100% Financing73 to 180 months6.24%120 monthly payments of $11.23 at 6.24% APR
Personal Loans
Personal Loan100% Financing12 to 72 months7.99%72 monthly payments of $17.54 at 7.99% APR
Personal Loans100% Financing73 to 120 months8.99%120 monthly payments of $12.67 at 8.99% APR
Line of Credit$30,000 13.75%Minimum monthly payment of $20.00 per $1,000.00 borrowed
Real Estate Loans
Home Equity (up to 80% LTV)***$100,000up to 5 years4.00%60 monthly payments of $18.42 at 4.00% APR
  over 5 years up to 15 years4.50%180 monthly payments of $7.66 at 4.50% APR
Home Equity (up to 100% LTV)***$100,000up to 5 years5.75%60 monthly payments of $19.22 at 5.75% APR
  over 5 years up to 15 years6.75%180 monthly payments of $8.86 at 6.75% APR
Home Equity - Home Improvement Only (up to 133% LTV)***$100,000up to 5 years5.00%60 monthly payments of $18.88 at 5.00% APR
  over 5 years up to 15 years6.00%180 monthly payments of $8.45 at 6.00% APR
Home Equity LOC (up to 80% LTV)***$100,00010 year draw period,10 year repayment period3.50%**** variablecontact us for monthly payment
Home Equity LOC (up to 100% LTV)***$100,00010 year draw period, 10 year repayment period6.00%**** variablecontact us for monthly payment
Mortgage Loans$1,000,00030 yearsFixed, ARMs Balloons, & VAPayments will vary depending on the mortgage terms. Contact us for details.

Loan Calculator.

Effective as of 02-09-2016 by NSWC FCU.

*Your rate will be determined by your credit history. The actual Annual Percentage Rate will be reflected on the Loan Agreement and Consumer Credit Disclosure Statement signed by you at the time of the disbursal. Please contact the Credit Union to find out what rate you qualify for and what criteria we used to qualify you for that rate. 60 month financing is available on autos, motorcycles, and boats with a minimum advance of $5,000.00. 61 to 72 month financing is available on autos, motorcycles, and boats with a minimum advance of $15,000.00; 73 - 84 month financing is available on autos and boats with a minimum advance of $25,000.00; 85 - 96 month financing is available on autos with a minimum advance of $30,000.00. Financing is available on boats up to and including 120 months with a minimum advance of $30,000.00; 121 - 180 month financing is available on boats with a minimum advance of $50,000. Financing is available on RVs for 97-120 months and 121-180 months.

** Boat and RV loans are not available for purchase or refinance for residential use.

New Vehicles
Year models 2015 and 2016 with 20,000 miles or less

Used Vehicles
Year models 2008, 2009, 2010, 2011, 2012, 2013, 2014 and 2015 exceeding 20,000 miles

Older Model Years
Year models 2007 or prior

 ***LTV is the value of your property compared to the total amount of any mortgage secured by this property.  Other restrictions may apply.

****Variable rate as published in the money rates column of the Wall Street Journal and subject to change quarterly. Maximum rate 16%.  Minimum rate 1%.  Your rate will be determined by your credit history.  Loan to Value Ratios (LTV) up to 100%.  An appraisal may be required. Borrower must maintain property insurance.  Call the Credit Union for additional account fees and terms that apply, including rate information.

 

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