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Loan Rates

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Effective as of September 1, 2018

Vehicle Loan Rates

Car loans as low as 3.75% for 72 months!

Our Auto Loans have LOWER rates for a LONGER period of time! 90 Days until 1st Payment is Available.

Loan Type Fixed Rate as low as Term Payment
New Vehicle 3.75% APR Up to 66 Months $18.00 per $1,000 Borrowed
New Vehicle
Finance $20,000 or more for 72 months
3.75% APR Up to 72 Months $17.00 per $1,000 Borrowed
New Vehicle
Finance $28,000 or more for 84 months
4.50% APR Up to 84 Months $17.00 per $1,000 Borrowed
Used Vehicle 2006 or newer 3.75% APR Up to 66 Months $18.00 Per $1,000 Borrowed
Used Vehicle 2006 or newer 3.75% APR Up to 72 Months $17.00 per $1,000 Financed
Used Vehicle 2005 to 2017
Finance Amounts of $22,000 or more
Finance amounts of $28,000 or more for 84 months
4.50% APR Up to 84 Months $17.00 per $1,000 Borrowed
Used Vehicles with over 150,000 Miles – 2006 or Newer 3.75% APR up to 60 Months $21.00 per $1,000 Borrowed

Other Collateral Loans

Loan Type Fixed Rate as low as Term Payment
New or Used Motorcycles: 2006 or Newer
Under $10,000 Financed
3.95% APR Up to 48 months* $23 per $1,000 Borrowed
New or Used Motorcycles: 2006 or Newer
$10,000 or more Financed
3.95% APR Up to 60 Months** $19 per $1,000 Borrowed
New or Used Boat, Motor, Trailer: 2006 or Newer 4.00% APR Up to 72 Months $17 per $1,000 Borrowed
New or Used Recreational Vehicles: 2006 or Newer 3.60% APR Up to 60 Months $19 per $1,000 Borrowed
New or Used Recreational Vehicles: 2006 or Newer 4.60% APR Up to 96 Month $13 per $1,000 Borrowed
New or Used Recreational Vehicles: 2006 or Newer 5.60% APR Up to 120 Months $11 per $1,000 Borrowed
Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.) 6.50% APR Up to 36 Months $31 per $1,000 Borrowed

Personal Loans

Loan Type Fixed Rate as low as Term Payment
Home Improvement Loan
For Home Owners Only - We do not record a Mortgage Lien
6.00% APR up to 60 Months $20.00 per $1,000 borrowed
Any Season, Any Reason Loan 5.99% APR up to 12 Months $9 per $100 borrowed
Any Season, Any Reason Loan 6.99% APR up to 24 Months $5 per $100 Borrowed
Consolidation Loan
Checks to creditors, no internal refinances, no cash out.
8.99% APR Up to 60 Months $21.00 per $1,000 Borrowed
Personal Loan 10.00% APR Up to 60 Months $3 per $100 Borrowed
Fresh Start Loan* 18.00% APR $50 per month
Overdraft Loan 15.00% APR   3% of unpaid balance
EZ Open-End Personal Loan 15.00% APR 3% of unpaid balance

For Members with no Credit History or Poor Credit History. $500 Maximum/$200 Minimum Loan Amount. $30 non-refundable application fee at time of application. Requirement of direct deposit/payroll deduction of $50 or more coming to NAECU. NAECU member for at least 90 days before loan request


QUALIFICATIONS MUST BE MET ON ALL LOANS. RATES AND LOAN AVAILABILITY ARE SUBJECT TO CHANGE WITHOUT NOTICE. YOUR CREDIT WORTHINESS AS WELL AS OTHER FACTORS SUCH AS LENGTH OF THE LOAN AND THE VALUE OF YOUR COLLATERAL WILL DETERMINE YOUR ACTUAL LOAN INTEREST RATE. EQUAL CREDIT OPPORTUNITY LENDER.

APPLY ONLINE AT THE TOP OF THIS PAGE OR VISIT ANY NAECU OFFICE LOCATION.