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NEAFCU Rates Overview

 

Effective .

 

Auto Rates

New Auto Rates
Model Year 2013-2015
New vehicles are defined as not previously registered.

36 Months
As low as
2.50% APR
48 Months As low as 2.75% APR
60 Months As low as 3.00% APR
72 Months As low as 3.25% APR

Used Auto Rates
Model Year 2010-2014
Used vehicles are defined as being previously registered.

36 Months As low as 3.00% APR
48 Months As low as 3.25% APR
60 Months As low as 3.50% APR

Other Used Auto Rates
Model Year 2007-2009

36 Months As low as 3.25% APR
48 Months As low as 3.50% APR

 

Recreational Rates
New & Used RV / Boat / Watercraft /
Motorcycle / Trailer / Misc. Pricing
Model Year 2013-2015

36 Months As low as 3.00% APR*
48 Months As low as

3.25% APR

60 Months As low as 3.50% APR
72 Months As low as 3.75% APR

  *Annual Percentage Rate. Please note that members may earn additional rate discounts:
1.  Electing Direct Deposit and/or Auto 
     Pay .10%
2.  
Each down payment of 10%
     discounts .10% up to .20%

3.  Electing for Credit Union Credit Card
    .10%
 
4.  Electing for Share Draft Account
     .10%

Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.

Money Market

Last declared dividend rate:

$2,500-$24,999.10 - Dividend.10 APY*
$25,000 and up
.15 - Dividend.15- APY




*APY stands for Annual Percentage Yield.

Share Certificate Rates

Share Certificates
Members are given a variety of investment choices with our certificates from 6 to 36 months.

$500 minimum investment

6 Months   .20 - Dividend   .20 - APY*
12 Months   .40 - Dividend   .40 - APY
24 Months   .60 - Dividend   .60 - APY
36 Months   .80 - Dividend   .80 - APY

 

 

 


*APY stands for Annual Percentage Yield.

Share Savings Rates

APR APY
.10 - Dividend .10 - APY*






*APY stands for Annual Percentage Yield.

Christmas Club Rates

APR APY
 .40- Dividend  .40- APY*






    *APY stands for Annual Percentage Yield.


IRA Rates

IRA Share
(variable)

 .25-Dividend  .25 - APY*

  $25 min.

12 Months  .45 - Dividend  .45 - APY $500 min.
24 Months  .65 - Dividend  .65 - APY

$500 min.






 *APY stands for Annual Percentage Yield.

Home Rates
 

1st MORTGAGE



AMORTIZATION

3 Year
Balloon
3.35% APR

30 Years

5 Year
Balloon
3.51% APR

30 Years

7 Year
Balloon
4.07% APR

30 Years

10 Year
Balloon
4.32% APR

30 Years

10 Year Fixed 3.25%
APR
10 Years
15 Year Fixed3.625%
APR
15 Years

   "Mortgage rates are subject to change until locked in upon receipt of completed application and good faith estimate. Please contact a loan officer for more details."

2nd MORTGAGE



AMORTIZATION

3 Year
Balloon
5.99% APR

15 Years

HOME EQUITY LINE OF CREDIT
Variable Rate with 5 year draw period6.00% APR 15 Years
from last draw
LAND ONLY

 AMORTIZATION
3 Year
Balloon
5.99% APR 15 Years


 

Loan Rates

Share and CD Secured

Regular Shared Secured

CD Secured

3% above current share savings rate, 90% LTV 2% above current pledged certificate rate, 90% LTV

Signature Loans

> 12 Months As low as 9.00% APR*
24 Months As low as 9.50% APR
36 Months As low as 10.00% APR
Annual Percentage Rate. Rates are for qualified borrowers
dependent upon credit score. Other restrictions may apply.  See a loan officer for details.