Loan Rates
Rates are as of February 26, 2010, and are subject to change. Special terms and conditions may apply to various loan types. Rates listed are our best rates based on applicant's credit history and all possible discounts. Your actual rate may be higher. Please contact a Member Service Officer for details. (APR = Annual Percentage Rate)
Auto Loans - 2009 & 2010
Rates apply to loans to purchase cars, vans and trucks.
| Term | Rates Low As |
Payment per $1000* | ||
| 36 Months | 4.50% APR | $29.75 | ||
| 48 Months | 4.75% APR | $22.92 | ||
| 60 Months | 4.95% APR | $18.85 | ||
| 72 Months ($25,000+) | 5.95% APR | $16.55 | ||
| 84 Months ($35,000+) | 6.95% APR | $15.07 |
Contact a loan officer at 402-472-2087 for details. Use our loan payment calculator or apply online.
Auto Loans - 2008 and Older ($2,000 Minimum)
Rates apply to loans to purchase or loans secured by used cars, vans and trucks.
| Model Year |
|
Payment per $1000* | |||
| 2007 to 2008 | 5.50% APR | $23.26 | |||
| 2005 to 2006 | 5.75% APR | $23.37 | |||
| 2004 and Older | 6.50% APR | $23.71 |
*Payments are based on 48 month loan. Terms of 60 months may be available for used vehicle loans of $10,000 or greater. Contact a loan officer at 402-472-2087 for details. Use our loan payment calculator or apply online.
Motorcycles, Motor Homes, Recreational Vehicles and Boats
Add 1.00% to the auto loan rates above. Contact a loan officer at 402-472-2087 for details. Use our loan payment calculator or apply online.
Home Equity Loans ($2,000 Minimum)
| Term | Rates Low As* | Payment per $1000 | ||
| 60 Months | 5.25% APR | $18.99 | ||
| 84 Months | 5.75% APR | $14.49 | ||
| 120 Months | 5.95% APR | $11.08 |
*The APR is based on a loan with 80% loan-to-value (LTV) using an appraised value or the tax evaluation of the home.
Use our loan payment calculator or apply online.
First Mortgage Home Equity Loans
The rate applies to first mortgage loans to refinance a home.
| Term | Rates Low As* | Payment per $1000 | ||
| 180 Months | 5.25% APR | $8.04 |
Home Equity Line of Credit
The rate is subject to change quarterly to the Prime Rate as published in the Wall Street Journal on the last day of March, June, September, and December.
| Current Rate | low as 3.25% APR* | Variable |
* The APR is based on a loan with 80% loan-to-value (LTV) using an appraised value or the tax evaluation of the home. Use our loan payment calculator or apply online.
Home Loans
Excellent rates are available to purchase or refinance your home. Call to speak with one of our Home Loan Specialists at 402-472-2087 or apply online using Centennial Lending's online application.
Share Savings Secured Loans
The rate is subject to change monthly to the highest rate paid on the NUFCU Share Savings plus 3%. Contact a loan officer at 402-472-2087 for details.
| Current Rate | 3.25% APR | Variable |
Money Market Share Secured Loans
The rate is subject to change monthly to the highest rate paid on the NUFCU Money Market Share Savings plus 3%. Contact a loan officer at 402-472-2087 for details.
| Current Rate | 4.00% APR | Variable |
Certificate Secured Loans
The rate is the highest rate paid on a certificate securing the loan plus 3%. The rate is subject to change to reflect any change in rate when a certificate is renewed. For current certificate rates click here.
Line of Credit (unsecured)
The rate is subject to change monthly to the Prime Rate as published in the Wall Street Journal on the last working day of the month plus a margin of 4%. Use our loan payment calculator or apply online.
| Current Rate | 7.25% APR | Variable |
Overdraft Protection
The rate is subject to change monthly to the Prime Rate as published in the Wall Street Journal on the last working day of the month plus a margin of 4%. Use our loan payment calculator or apply online.
| Current Rate | 7.25% APR | Variable |
Visa Credit Card
No Annual Fee. Free Balance Transfers. A 25 day grace period. The rate is subject to change quarterly based on the Prime Rate as published in the Wall Street Journal plus a margin of 3.4%. Use our loan payment calculator or apply online.
| Current Rate | 6.65% APR | Variable |
Personal Loans ($2,000 and greater)
The rate is subject to change monthly based on the Prime Rate as published in the Wall Street Journal on the last working day of the month plus a margin of 1.75% - 10.50% for secured or 3.75% - 12.50% for unsecured. Use our loan payment calculator or apply online.
| Current Rate | Secured | low as 5.00% APR | Variable | |||
| Current Rate | Unsecured | low as 7.00% APR | Variable |
Personal Loans (Less Than $2,000)
The rate is subject to change monthly based on the Prime Rate as published in the Wall Street Journal on the last working day of the month plus a margin of 4.75% - 13.50%. Use our loan payment calculator or apply online.
| Current Rate | Secured or Unsecured | low as 8.00% APR | Variable |
Personal Loans - Fixed Rate
| Term | Rates Low As* | Payment per $1000 | ||
| 48 Months | 8.50% APR | $24.65 |
*Payments are based on 48 month loan. Use our loan payment calculator or apply online.
If you have questions or require current rate information, please contact a Member Service Officer at 402-472-2087 or 800-875-5933.
