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NEAFCU Rates Overview

 

Effective .

Auto Rates

New Auto Rates
Model Year 2008-2010
New vehicles are defined as not previously registered
and/or under 7,000 miles.

36 Months As low as 5.00% APR
48 Months As low as 5.25% APR
60 Months As low as 5.50% APR
72 Months As low as 5.75% APR

Used Auto Rates
Model Year 2005 - 2008
Used vehicles are defined as pre-owned and less than 70,000 miles.

36 Months As low as 5.50% APR
48 Months As low as 5.75% APR
60 Months As low as 6.00% APR

Other Used Auto Rates
Model Year 2002 - 2004
Other used vehicles are defined as pre-owned, more than 7 model years older than current year model, OR mileage exceeding 70,000.

36 Months As low as 6.25% APR
48 Months As low as 6.50% APR

 

Recreational Rates

New & Used RV / Boat / Watercraft /
Motorcycle / Trailer / Misc. Pricing
Model Year 2002-2010
New vehicles are defined as not previously
registered and/or under 7,000 miles.

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 6.50% APR

  *Annual Percentage Rate. Please note that members may earn additional rate discounts:
1.  Electing Direct Deposit and/or Auto 
     Pay .25%
2. 
Electing Payment Protection with
     Credit Disability Insurance .25%
3. 
Each down payment of 10%
     discounts .10% up to .50%

4.  Electing for Credit Union Credit Card
    .10%

5.  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-$24,9991.00 - Dividend1.01 APY*
$25,000 and up
1.50 - Dividend1.51- 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 1.00 - Dividend 1.00 - APY*
12 Months 1.50 - Dividend 1.51 - APY
24 Months 1.75 - Dividend 1.76 - APY
36 Months 2.25 - Dividend 2.27 - APY

 

 

 

*APY stands for Annual Percentage Yield.

Share Savings Rates

APR APY
.50 - Dividend .50 - APY*






*APY stands for Annual Percentage Yield.

Christmas Club Rates

APR APY
4.89- Dividend 5.00- APY*






*APY stands for Annual Percentage Yield.


IRA Rates

IRA Share
(variable)

2.00-Dividend 2.02 - APY*

  $25 min.

12 Months 1.75 - Dividend 1.76 - APY $500 min.
24 Months 2.25 - Dividend 2.27 - APY

$500 min.


 *APY stands for Annual Percentage Yield.

Home Rates

1st
MORTGAGE

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

2nd MORTAGE

85%

AMORTIZATION

3 Year
Balloon
6.99% APR

15 Years

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

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.

 

Loan Rates

Share and CD Secured
No credit report required.

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.








































NEAFCU ROUTING NUMBER: 284174613
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