Loan Rates

Rates are as of January 15, 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)
*Ask a loan officer about additional relationship pricing discounts.

Need To Consolidate Your Holiday Bills?
Our Holiday Loan Sale rates are still available through 1-31-08. So if you want to consolidate holiday bills or just need a little financial boost, this is the loan for you with rates as low as 6.99% APR*. Stop by 1630 Q St. or 301 N 52 St. or call 402-472-2087 for details.

*Subject to credit approval. New loans only. Your actual rate and term will depend on your credit history. On a $1,000 loan for 12 months at 6.99% Annual Percentage Rate (APR) the monthly payment would be about $86.52. Limited time offer.

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 $1,000
48 Months 60 Months 72 Months ($25,000+) 84 Months ($35,000+)	6.25% APR 6.50% APR 7.00% APR 7.25% APR	$23.60 $19.57 $17.05 $15.22
Additional 0.25% discount available with 10% minimum down payment on purchase of new vehicle. 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	Rates - low as	Payment per $1,000*
2003 to 2005 2002 and Older	6.70% APR 7.50% APR	$23.81 $24.18
Additional 0.25% discount available with 10% minimum down payment on purchase of used vehicle. Payments are based on 48 month loan. Terms of 60 months may be available for used vehicle loans of $10,000 or greater. Home Equity Loans* ($2,000 minimum)
Term	Rates - low as	Payment per $1,000
60 Months 84 Months 120 Months	6.50% APR 7.00% APR 7.25% APR	$19.57 $15.09 $11.74
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 $1,000
180 Months	7.00% APR	$8.99
The APR is based on a loan with 80% loan-to-value (LTV) using an appraised value or the tax evaluation of the home. Loans may be available with a higher LTV at a higher rate. 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 7.25% 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. Home Loans Excellent rates are available to purchase or refinance your home. Call 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	3.70% 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	5.45% 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	11.25% 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%.
Current Rate	11.25% APR	Variable
Visa Credit Card No Annual Fee. 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	10.65% APR	Variable
Guaranteed Student Loans National rates in effect. Please call for more information.
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 9.25% 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 11.25% APR	Variable
Personal Loans - Fixed Rate
Term	Rates - low as	Payment per $1,000*
48 Months	10.25% APR	$25.48
*Payments are based on 48 month loan. Terms of 60 months may be available for used vehicle loans of $10,000 or greater. If you have questions or require current rate information, please contact a Member Service Officer at (402) 472-2087 or (800) 875-5933.