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NEAFCU Rates Overview |
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Auto Rates
New Auto Rates Model Year 2009-2011 New vehicles are defined as not previously registered.
| 36 Months |
As low as |
5.50% APR |
| 48 Months |
As low as |
5.75% APR |
| 60 Months |
As low as |
6.00% APR |
| 72 Months |
As low as |
6.25% APR | |
Used Auto Rates Model Year 2006-2010 Used vehicles are defined as being previously registered.
| 36 Months |
As low as |
6.00% APR |
| 48 Months |
As low as |
6.25% APR |
| 60 Months |
As low as |
6.50% APR | |
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Other Used Auto Rates Model Year 2003-2005
| 36 Months |
As low as |
6.25% APR |
| 48 Months |
As low as |
6.50% APR |
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Recreational Rates
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New & Used RV / Boat / Watercraft /
Motorcycle / Trailer / Misc. Pricing Model Year 2009-2011
| 36 Months |
As low as |
6.00% APR* |
| 48 Months |
As low as |
6.25% APR |
| 60 Months |
As low as |
6.50% APR |
| 72 Months |
As low as |
6.75% 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. |
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Money Market
Last declared dividend rate: |
| $2,500-$24,999 | .50 - Dividend | .50 APY* | $25,000 and up
| .75 - Dividend | .75- APY |
*APY stands for Annual Percentage Yield.
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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 |
1.00 - Dividend |
1.00 - APY* |
| 12 Months |
1.25 - Dividend |
1.26 - APY |
| 24 Months |
1.50 - Dividend |
1.51 - APY |
| 36 Months |
2.00 - Dividend |
2.02 - APY |
*APY stands for Annual Percentage Yield.
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Share Savings Rates
| APR |
APY |
| .25 - Dividend |
.25 - APY* | |
*APY stands for Annual Percentage Yield.
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Christmas Club Rates
| APR |
APY |
| 4.89- Dividend |
5.00- APY* | |
*APY stands for Annual Percentage Yield.
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IRA Rates
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IRA Share (variable)
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1.25-Dividend |
1.26 - APY* |
$25 min. |
| 12 Months |
1.50 - Dividend |
1.51 - APY |
$500 min. |
| 24 Months |
2.00 - Dividend |
2.01 - APY |
$500 min. |
*APY stands for Annual Percentage Yield.
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Home Rates
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1st MORTGAGE
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95%** |
AMORTIZATION |
3 Year Balloon |
4.00% APR |
30 Years |
5 Year Balloon |
4.25% APR |
30 Years |
7 Year Balloon |
4.75% APR |
30 Years |
10 Year Balloon |
5.00% APR |
30 Years |
20 Year Balloon |
5.99% APR |
30 Years |
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2nd MORTAGE |
85% |
AMORTIZATION |
3 Year Balloon |
6.99% APR |
15 Years |
HOME EQUITY LINE OF CREDIT
| | Variable Rate with 5 year draw period | 6.00% APR | 15 Years from last draw |
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CONSTRUCTION | 85% | AMORTIZATION |
| Residential Only |
5.99% APR |
1 Year | LAND ONLY
| 85% | AMORTIZATION | 3 Year Balloon | 5.99% APR | 15 Years | |
Real Estate Loans are not subject to discounts. *LTV's between 85% and 95% require Mortgage Insurance. |
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Loan Rates
Share and CD Secured
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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 |
8.95% APR* |
| 24 Months |
As low as |
8.95% APR |
| 36 Months |
As low as |
9.5% APR |
| 48 Months |
As low as |
10.25% APR |
| 60 Months |
As low as |
10.5% APR |
Annual Percentage Rate. Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details. | |
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