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Loan Rates

Effective as of 09-19-2017 by NSWC FCU.

Type of Loan Maximum Amount Terms used to calculate payments APR* as low as Payment example per $1,000.00 borrowed
Auto Loans*
New 100% financing Up to 36 months 2.24% 36 monthly payments of $28.75 at 2.24% APR
New 100% financing 37 to 72 Months 2.49% 72 monthly payments of $14.97 at 2.49% APR
New 100% financing 73 to 84 Months 3.24% 84 monthly payments of $13.33 at 3.24% APR
New 100% financing 85 to 96 months 5.24% 96 monthly payments of $12.78 at 5.24% APR
Used 100% financing 12 to 36 months 2.24% 36 monthly payments of $28.75 at 2.24% APR
Used 100% financing 37 to 72 Months 2.49% 72 monthly payments of $14.97 at 2.49% APR
Used 100% financing 73 to 84 Months 3.24% 84 monthly payments of $13.33 at 3.24% APR
Used 100% financing 85 to 96 months 5.24% 96 monthly payments of $12.78 at 5.24% APR
Older Model Year Vehicles Contact Credit Union Up to 60 months 3.99% 60 monthly payments of $18.42 at 3.99% APR
Older Model Year Vehicles Contact Credit Union 61 to 72 months 4.99% 72 monthly payments of $16.11 at 4.99% APR
Cash Out Refinances and Classic Cars Contact Credit Union Up to 60 months 6.24% 60 monthly payments of $19.45 at 6.24% APR
Motorcycle, ATV and Personal Watercraft Loans
New & Used 100% financing Up to 72 months 4.24% 72 monthly payments of $15.76 at 4.24% APR
Tractor Loans
New & Used Tractors Contact Credit Union Up to 60 months 6.24% 60 monthly payments of $19.45 at 6.24% APR
Boat & RV Loans**
New & Used 100% financing Up to 72 months 5.24% 72 monthly payments of $16.23 at 5.24% APR
New & Used 100% financing 73 to 180 months 6.24% 180 monthly payments of $8.58 at 6.24% APR
Personal Loans
Personal Loan 100% financing 12 to 72 months 7.99% 72 monthly payments of $17.54 at 7.99% APR
Personal Loan 100% financing 73 to 120 months 8.99% 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
Share Certificate Not to exceed Certificate Term not to exceed term of certificate 3.20% above current certificate rate 60 monthly payments of $18.87 at 4.99% APR
Share Secured Loans        
    Up to 60 months Prime Share Rate plus 2.20% 60 monthly payments of $17.73 at 2.45% APR
    61 months - 120 months Prime Share Rate plus 3.20% 72 monthly payments of $15.40 at 3.45% APR
Real Estate Loans
Home Equity (up to 80% LTV)*** $100,000 Up to 5 years 4.50% 60 monthly payments of $18.65 at 4.50% APR
    Over 5 years,
up to 15 years
5.25% 180 monthly payments of $8.05 at 5.25% APR
Home Equity (up to 100% LTV)*** $100,000 Up to 5 years 6.25% 60 monthly payments of $19.46 at 6.25% APR
    Over 5 years,
up to 15 years
7.25% 180 monthly payments of $9.14 at 7.25% APR
Home Equity (101% to 133% LTV)*** $100,000 Up to 5 years 7.50% 60 monthly payments of $20.05 at 7.50% APR
    Over 5 years,
up to 15 years
8.00% 180 monthly payments of $9.56 at 8.00% APR
Home Equity LOC (up to 80% LTV)*** $100,000 10 year draw period, 10 year repayment period 4.25% (WSJ prime rate)  variable**** Contact us for monthly payment
Home Equity LOC (up to 100% LTV)*** $100,000 10 year draw period, 10 year repayment period Prime Rate plus 2.50% variable**** Contact us for monthly payment
         

 

*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. 10% down payment required on new/used Boats and RV with purchase price over $75,000. Maximum loan amount for Used Boats and RV private sale financing is $50,000.

New Vehicles
Current calendar year model and the previous model year  with 20,000 miles or less

Used Vehicles
Year models  2009, 2010, 2011, 2012, 2013, 2014, 2015 and 2016 exceeding 20,000 miles

Older Model Years
Year models 2008 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.