Effective April 1, 2024
Vehicle Loan Rates
90 Days until your first payment is available on most loans.
| Loan Type | Fixed Rate as low as | Term | Payment |
|---|---|---|---|
| New or Used Vehicle 2020 or newer | 5.90% APR | Up to 36 Months | $31.00 per $1,000 Borrowed |
| New Vehicle | 6.25% APR | Up to 66 Months | $18.00 per $1,000 Borrowed |
| New Vehicle Finance $20,000 or more for 72 months |
6.25% APR | Up to 72 Months | $17.00 per $1,000 Borrowed |
| New Vehicle Finance $28,000 or more for 84 months |
7.00% APR | Up to 84 Months | $17.00 per $1,000 Borrowed |
| Used Vehicle 2012 or newer | 6.25% APR | Up to 66 Months | $20.00 Per $1,000 Borrowed |
| Used Vehicle 2012 or newer Finance amounts of $20,000 or more for 72 months |
6.25% APR | Up to 72 Months | $19.00 per $1,000 Financed |
| Used Vehicle 2012 or newer Finance amounts of $28,000 or more for 84 months |
7.00% APR | Up to 84 Months | $16.00 per $1,000 Borrowed |
| Used Vehicles with over 150,000 Miles – 2012 or Newer | 6.25% APR | up to 60 Months | $20.00 per $1,000 Borrowed |
Other Collateral Loans
| Loan Type | Fixed Rate as low as | Term | Payment |
|---|---|---|---|
| New or Used Motorcycles: 2013 or Newer Under $10,000 Financed |
6.10% APR | Up to 48 months* | $24 per $1,000 Borrowed |
| New or Used Motorcycles: 2013 or Newer $10,000 or more Financed |
6.10% APR | Up to 60 Months** | $20 per $1,000 Borrowed |
| New or Used Boat, Motor, Trailer: 2013 or Newer | 6.10% APR | Up to 72 Months | $17 per $1,000 Borrowed |
| New or Used Recreational Vehicles: 2013 or Newer | 5.60% APR | Up to 60 Months | $20 per $1,000 Borrowed |
| New or Used Recreational Vehicles: 2012 or Newer | 6.35% APR | Up to 96 Month | $15 per $1,000 Borrowed |
| New or Used Recreational Vehicles: 2012 or Newer | 7.35 APR | Up to 120 Months | $14 per $1,000 Borrowed |
| New or Used ATV’s (3 or 4 Wheelers): 2018 or newer | 6.35% APR | 48 Months | $24 per $1,000 Borrowed |
| 6.35% APR | 60 Months $10,000 or more |
$20 per $1,000 Borrowed | |
| Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.) | 7.60% APR | Up to 60 Months | $21 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 |
7.00% APR | up to 60 Months | $21.00 per $1,000 borrowed |
| Any Season, Any Reason Loan | 6.99% APR | up to 12 Months | $10 per $100 borrowed |
| Any Season, Any Reason Loan | 7.99% APR | up to 24 Months | $6 per $100 Borrowed |
| Consolidation Loan Checks to creditors, no internal refinances, no cash out. |
8.99% APR | Up to 60 Months | $22.00 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.