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Rates

 

Loan Rates

New Auto Loan Rates AS LOW AS 1.74% APR

 

Apply for your next loan online and SAVE 1/4% on the interest rate!  ****

Type of LoanMaximum AmountTerms used to calculate paymentsAPR* as low asPayment example per $1,000.00 borrowed
Auto Loans*
New100% Financingup to 72 months1.99%72 monthly payments of $14.75 at 1.74% APR
Used100% Financingup to 72 months2.24%72 monthly payments of $14.86 at 2.24% APR
New & Used100% Financing73 to 84 months5.24%84 monthly payments of $14.25 at 5.24% APR
New & Used100% Financing85 to 96 months6.24%96 monthly payments of $13.27 at 6.24% APR
Older Model Year Vehicles, 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
Boat & RV Loans
New & Used Purchase and Rollovers100% Financingup to 72 months4.24%72 monthly payments of $15.76 at 4.24% APR
New & Used Purchase and Rollovers100% Financing73 to 120 months5.24%120 monthly payments of $10.74 at 5.24% APR
Personal Loans
Personal LoanContact Credit Union12 to 96 months8.24%96 monthly payments of $14.27 at 8.24% APR
Line of Credit$20,000 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 period3.25%*** variable 
Home Equity LOC (up to 100% LTV)**$100,00010 year draw period ? 10 year repayment period5.75%*** variable 
Mortgage Loans$1,000,00030 yearsFixed, ARMs Balloons, & VA 

Loan Calculator.

Effective as of 07-22-2014 by NSWC FCU.

*Your rate will be determined by your credit history. The actual Annual Percentage Rate will be reflected on the Note - Disclosure & Security Agreement 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. Sixty month financing is available on autos, motorcycles, and boats with a minimum advance of $5,000.00. Sixty-one 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.

New Vehicles
Year models 2013 and 2014 with 20,000 miles or less

Used Vehicles
Year models 2011, 2012, 2013 and 2014 exceeding 20,000 miles

Older Model Years
Year models 2010 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%.  Call the Credit Union for additional account fees and terms that apply, including rate information.

****Offer does not include loans secured by real estate.

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