Loan Rates
Rates are as of November 1, 2008, 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. Your actual rate may be higher. Please contact a Member Service Officer for details. (APR = Annual Percentage Rate)
New And Used Vehicle Loans (2006 and Newer)
Rates apply to loans to purchase cars, vans, trucks, motorcycles, motor homes, recreational vehicles, and boats.
| Term | Rates Low As |
Payment per $1000 | ||
| 48 Months | 5.75% APR | $23.37 | ||
| 60 Months | 5.75% APR | $19.22 | ||
| 72 Months ($25,000+) | 6.25% APR | $16.69 | ||
| 84 Months ($35,000+) | 6.50% APR | $14.85 |
Used Vehicles ($2,000 Minimum)
Rates apply to loans to purchase or loans secured by used cars, vans, trucks, motorcycles, motor homes, recreational vehicles, and boats.
| Model Year |
|
Payment per $1000* | ||
| 2003 to 2005 | 6.25% APR | $23.60 | ||
| 2002 and Older | 7.00% APR | $23.95 |
Home Equity Loans ($2,000 Minimum)
| Term | Rates Low As* | Payment per $1000 | ||
| 60 Months | 5.75% APR | $19.22 | ||
| 84 Months | 6.25% APR | $14.73 | ||
| 120 Months | 6.50% APR | $11.35 |
*The APR is based on a loan with 80% loan-to-value (LTV) using an appraised value or the tax evaluation of the home.
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 | 6.50% APR | $8.71 |
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 5.00% 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.
Home Loans
Excellent rates are available to purchase or refinance your home. Call 402-472-2087 or 1-800-875-5933 for current rates.
Share Savings Secured Loans
The rate is subject to change monthly to the highest rate paid on the NUFCU Share Savings plus 3%.
| Current Rate | 3.35% 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%.
| Current Rate | 4.50% 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%.
| Current Rate | 8.00% 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%.
| Current Rate | 8.00% APR | Variable |
Visa Credit Card
No Annual Fee. 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%.
| Current Rate | 8.40% 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 2%.
| Current Rate | low as 6.00% 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%.
| Current Rate | low as 8.00% APR | Variable |
Personal Loans - Fixed Rate
| Term | Rates Low As* | Payment per $1000 | ||
| 48 Months | 9.25% APR | $25.00 |
*Payments are based on 48 month loan.
If you have questions or require current rate information, please contact a Member Service Officer at 402.472.2087 or 800.875.5933.
