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Loan Rates

  • Keep in mind loan requirements may change without notice.
  • Verification of income is required & must be submitted with loan application.
  • Any and all delinquent payments, on current & previous loans, owed the NPG FCU must be paid before money/credit cards are released.
  • Payment is due on the date stipulated in the voucher or disclosure. Even if loan payments may be paid via ACH, Payroll Deduction or Automatic Transfer from your share account, it is still your responsibility.
  • Rates below are current as of the date posted above and are subject to change without notice.
  • The rates shown are "as low as”. Your Annual Percentage Rate and term for all loans may vary from the stated based upon credit worthiness.
Effective February 12, 2008
Secured Loans
Term
APR*
As Low As
Payment
Example **
Auto/Truck/Cycles - New & Used
36 months
5.24%
$30.08
48 months
5.99%
$23.48
60 months
6.24%
$19.45
66 months
(over $25,000)
6.49%
$18.06
Auto/Truck/Cycles - Used Over 4 Years Old Including Classic Cars
36 months
5.90%
$30.38
48 months
6.45%
$23.69
RV/Boats/ATV/Snowmobiles/ Miscellaneous - New & Used
60 months
6.25%
$19.45
120 months
6.75%
$11.48
144 months
(over $25,000)
7.95%
$10.80
180 months
(over $30,000)
9.25%
$10.29
*All rates are shown as Annual Percentage Rates (APR). All rates subject to change without notice.
**Payment amount based on $1,000 at stated rate with stated term.

 

Unsecured Loans
APR*
Payment
Example**
Share or Certificate Secured 3% higher than the rate on the shares being secured
 
Visa - Classic (stated rate)
14.90%
Revolving
Visa - Platinum (stated rate)
10.90%
Revolving
Unsecured Loans
Closed End - Maximum $2,000
As Low As
8.90%
$174.84

Line of Credit/Ready Cash -Max $5,000 (stated rate)
14.00%
Revolving
*All rates are shown as Annual Percentage Rates (APR). All rates subject to change without notice.
**Payment example for $2,000 at stated rate for 12 months.

 

Real Estate Loan Rates
Term
APR*
Payment Example**
Compact Equity
60 months
5.74%
$19.21
 
84 months
6.24%
$14.73
Home Equity
60 months
5.74%
$17.21
84 months
6.24%
$14.73 
120 months
6.74%
$11.48
180 months
7.24% fixed
$9.12 
180 months
5.50% variable
 
Home Improvement -Maximum $5,000
60 months
6.50%
$19.57
Mortgages
Rates Change Weekly
*All rates are shown as Annual Percentage Rates (APR). All rates subject to change without notice.
**Payment example for $1,000 at stated rate for maximum months.

 

Your savings is federally insured to $100,000 by NCUA (National Credit Union Administration) a U.S. Government agency.
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