Loan Rates: Effective February 1, 2010
|
Repayment Period |
Annual Percentage Rate |
APR w/ Automatic Payment |
Home Equity - Refinance 1st Lien |
15 Year |
5.125% - 7.625% F
1/2% Loan Origination Fee |
4.875% - 7.375% F
1/2% Loan Origination Fee |
Home Equity - Refinance 1st Lien |
7-Year Balloon
Amortized 30 Years |
4.625% - 7.125% F
1/2% Loan Origination Fee |
4.375% - 6.875% F
1/2% Loan Origination Fee |
Home Equity - 2nd Lien |
Up to 180 Months |
6.50% - 12.25% F |
6.25% - 12.00% F |
Home Equity Line of Credit |
Up to 180 Months
(with 10-year draw) |
3.75% - 8.00% V*
3.75% Floor; 18% Ceiling |
3.75% - 7.75% V*
3.75% Floor; 18% Ceiling |
Auto & Motorcycle Loan
(New & Used) |
Up to 84 Months |
4.00% - 18.00% F |
3.75% - 17.75% F |
Boat & RV Loan
(New & Used) |
Up to 144 Months |
4.00% - 18.00% F |
3.75% - 17.75% F |
House Boat & Manufactured Home Loan (New & Used) |
Up to 180 Months |
8.75% - 15.25% F |
8.50% - 15.00% F |
ATV, Snowmobile, Personal Watercraft Loan (New & Used) |
Up to 48 Months |
5.75% - 17.75% F |
5.50% - 17.50% F |
Signature Loan |
Up to 48 Months |
8.25% - 18.00% F |
8.00% - 17.75% F |
Stock Secured Loan |
Up to 84 Months |
5.50% - 18.00% F |
5.50% - 18.00% F |
Bike Loan |
Up to 12 Months |
7.75% - 18.00% F |
7.50% - 17.75% F |
Share & Money Market Secured Loan |
Up to 144 Months |
3.50% Above Dividend Rate - V |
not available |
Certificate Secured Loan |
Cannot Exceed Maturity of Certificate |
3.50% Above Certificate Dividend Rate - F |
3.50% Above Certificate Dividend Rate - F |
VISA Credit Card |
Revolving |
8.25% - 18.00% V**
8% Floor; 18% Ceiling |
not available |
F = Fixed; V = Variable
APR with Automatic Payment requires automatic payment from your NRFCU Checking Account.
* Variable rate is based on the Prime rate published in The Wall Street Journal on the first day of the month and subject to change on the first day of the following month.
The rate for an individual loan is based on your credit history, current credit report, and term of the loan.
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