Save More When You Borrow
Rates and Annual Yield Percentages are effective as of 01/01/2021
Rates are subject to change at any time.
Vehicle Loans
| Vehicle |
Term
(up to) |
APR as low as |
Est. Monthly Payment Per $1,000 financed |
| Auto Loan |
36 months |
2.24% |
$28.70 |
| Auto Loan |
48 Months |
2.54% |
$22.00 |
| Auto Loan |
60 Months |
2.84% |
$18.00 |
| Auto Loan |
72 Months |
3.39% |
$15.40 |
| Auto Loan |
84 Months* |
3.89% |
$13.60 |
Rates are presented here with the maximum Loyalty Reward (.25%) in place.
New Auto Loans: Loan rate applicable to new vehicles only. You must be the original owner and the untitled vehicle is a current (2021/2020) or prior model year (2019).
Collateral Value of New vehicles – maximum of 120% not to exceed the total amount of the purchase price, plus taxes, title and vehicle warranty less down payment.
Used Auto Loans: Financing is available up to NADA retail value plus tags, title, taxes, and extended warranties not to exceed 110%. Financing available to up to 100% of NADA retail value for vehicles older than 2019.
Collateral Value of Used vehicles – maximum of 100% NADA retail value less down payment.
*Only vehicle loans greater than $30,000 and considered a New Auto Loan qualify for 84 month financing .
Leisure Vehicles - Watercrafts and RVs
| Type |
Term
(up to) |
APR as low as |
Est. Monthly Payment Per $1,000 financed |
| Leisure Vehicles |
36 Months |
6.00% |
$30.42 |
| Leisure Vehicles |
60 Months |
6.50% |
$19.57 |
| Leisure Vehicles |
72 Months |
7.25% |
$17.17 |
| Leisure Vehicles |
84 Months |
8.25% |
$15.71 |
| Leisure Vehicles |
120 Months |
9.25% |
$12.80 |
| Leisure Vehicles |
240 Months |
9.25% |
$9.16 |
Rates are presented here with the maximum Loyalty Reward (.25%) in place.
Loans $25,000 -$50,000 max term 120 months.
Loans > $50,000 max term 240 months.
Collateral Value of New vehicles – maximum of 110% not to exceed the total amount of the purchase price, plus taxes, title and vehicle warranty less down payment. Collateral Value of Used vehicles – maximum of 100% NADA retail value less down payment.
Signature Loan
| Loan Type |
Term |
APR as low as |
Est. Monthly Payment Per $1,000 financed |
| Personal Loan |
12 Months |
6.75% |
$86.50 |
| Personal Loan |
24 Months |
7.05% |
$44.90 |
| Personal Loan |
36 Months |
8.05% |
$31.50 |
| Personal Loan |
48 Months |
9.05% |
$25.00 |
| Personal Loan |
60 Months |
10.05% |
$21.40 |
| Line of Credit |
NA |
12.00% |
$25.00 |
Rates are presented here with the maximum Loyalty Reward (.25%) in place.
Signature/Personal: Aggregate $50,000 maximum for unsecured loans including Signature and Line of Credit (max. $10,000), excluding MasterCard and Visa. The maximum finance amount for a computer loan is $5,000.
Share and Secured Certificate
Share secured = Current share rate +2%
Certificate secured = The issued certificate rate +2%
Share Secured & Certificate Secured Accounts:
Share secured loans are available up to the aggregate balance of primary and family share accounts. Rates are variable and will change quarterly as the regular share rate changes.
Certificates may also be used as collateral up to the maturity date of the certificates. The rate is fixed for the term.
Many terms to choose from.
Collateral Value: Equal share/certificate balance.
Credit Card
| Credit Card |
Purchase |
Cash Advance |
Balance Transfer |
After Promotion |
| Visa Gold |
APR as low as 9.90% |
APR as low as 9.90% |
APR 1.90% |
APR as low as 9.90% |
| Visa Platinum |
APR as low as 11.90% |
APR as low as 11.90% |
APR 1.90% |
APR as low as 11.90% |
| Visa Gold Secured |
APR 9.90% |
APR .90% |
APR 1.90% |
APR 9.90% |
APR=Annual Percentage Rate.
Card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, balance transfer fee, or cash advance fee. Foreign transactions are subject to a fee of up to 1.00% of the transaction.
Rates are not presented here with the maximum Loyalty Reward (.25%) in place.
Your rate on these new services will vary based on the level of Loyalty Rewards you qualify for. Calculate your Loyalty Reward level and subtract it from the base rate to determine what your rate will be.
When you establish a new certificate, auto loan or personal loan, your rate will improve .05% for each of the following:
- Direct Deposit to NRLFCU
- eStatements with NRLFCU
- An active Visa CheckCard with NRLFCU
- Transfer a loan from another financial institution to NRLFCU
- Apply for the new account online with NRLFCU
- $250,000 or more on deposit with NRLFCU
- A First Trust Mortgage loan with NRLFCU
Any three or more conditions met, and you’ll qualify for the maximum Loyalty Reward of .25%. Visit here for complete details.
