Effective January 1, 2012 |
LOAN TYPE MAXIMUM TERM RATE* COMMENTS |
| Automobile ** |
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| 2009, 2010, 2011, 2012 |
72 Months |
3.49% - 11.99% not to exceed 100% of NADA Value |
| 2009, 2010, 2011, 2012 |
60 Months |
2.49% - 10.99% not to exceed 100% of NADA Value |
| 2008 |
60 Months |
3.99% - 12.49% not to exceed 100% of NADA Value |
| 2007 |
60 Months |
3.99% - 12.49% not to exceed 100% of NADA Value |
| 2005 or 2006 < 60 K mikes |
60 Months |
5.99% - 14.49% not to exceed 100% of NADA Value |
| 2005 or 2006 < 100 K mikes |
48 Months |
5.49% - 13.99% not to exceed 100% of NADA Value |
| 2003 or 2004 < 60 K mikes |
48 Months |
6.99% - 15.49% not to exceed 100% of NADA Value |
| 2003 or 2004 < 100 K mikes |
36 Months |
6.49% - 14.99% not to exceed 100% of NADA Value |
| Existing NETFCU Loans are NOT eligible for this promotion. |
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| Motorcycle ** |
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New 2011 & 2012
Used 2004 - 2010 |
60 Months
36-48 Months |
6.99% - 13.99% 10% down payment required.
8.99% - 15.99% 10% down payment required. |
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| Secured-Shares ** |
60 Months |
5.50% for share secured or
Cd rate +2% for CD secured. |
|
New Boats ** |
60 Months |
7.99% - 14.99% 10% down payment required. |
| Used Boats ** |
48 Months |
8.99% - 15.99% 10% down payment required. |
| New Recreational Vehicles ** |
60 Months |
7.99% - 14.99% 10% down payment required. |
| Used Recreational Vehicles** |
48 Months |
8.99% - 15.99% 10% down payment required. |
| Unsecured Personal ** |
48 Months |
12.50% - 17.74% Maximum loan amount $5,000.00 |
| First Time Borrower |
12 Months |
17.99% Maximum loan amount $1,000.00 |
| Unsecured-Education ** |
48 Months |
9.99% - 15.99% Maximum loan amount $5,000.00/yr. Directed to School. |
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| Real Estate |
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| Home Equity |
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Home Equity
Prime Minus 1 for Life |
20 Years |
Prime -1% = 3.00% Min Rate.
Up to 70% of the Appraisal Value |
Home Equity
Prime Only Line |
20 Years |
Prime +0% = 3.25%
Up to 75% of the Appraisal Value |
Home Equity
Gold Line |
20 Years |
Prime + 1.50% = 4.75%
Up to 80% of the Appraisal Value |
Home Equity
Classic Line |
20 Years |
Prime +3.00% = 5.25 %
Up to 85% of the Appraisal Value |
Home Equity
Fixed Loan |
1-5 Years |
4.00% - 9.00% *** Up to 85% of the Appraisal Value |
| |
6-10 Years |
5.00% - 10.00% *** Up to 85% of the Appraisal Value |
| |
11-15 Years |
6.00% - 10.50% *** Up to 85% of the Appraisal Value |
| |
16-20 Years |
6.50% - 10.95% *** Up to 85% of the Appraisal Value |
| First Mortgage |
30 Years |
Call Credit Dept. for Current Rates. |
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VISA Platinum Preferred Rate
VISA Platinum with Award Points
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Revolving
Revolving
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Rate 8.99%- 16.99% See agreement for features
Rate 9.99% - 17.99%See agreement for features
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*All rates shown are Annual Percentage Rates.
**The above "Best Rates" are provided to members with good credit and include a 1.% discount for Payroll/autopay deduction from their NETFCU Savings Account.
*** Rate is 1/2% higher for loans less than $25,000
As of January 1, 2012 Wall Street Journal Prime Rate = 3.25%
Rates are subject to change without notice.
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