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The 69th Annual Membership Meeting will be held on Monday, February 24th at the Holiday Inn-Research Park in Huntsville beginning at 5 PM. NAECU offices will close at 4 PM on this date. HOLIDAY NOTICE: Offices will be closed on Monday, February 17th for President's Day. 

Mortgage Rates

We no longer have a Loan Origination fee on mortgage loans!

The Credit Union has also 30-year Conventional, VA, FHA, USDA, & other programs through our mortgage partner.  Keep in mind that our internal mortgage loan rates are all computed by simple interest, not the Rule of 78 that you see at many lenders.

RATES EFFECTIVE February 01, 2025

Type of Mortgage Duration APR Payment
Fixed Rate First Mortgage 15 years 5.35% $8.00 per $1,000 borrowed
Fixed Rate First Mortgage 20 years 5.75% $7.00 per $1,000 borrowed
Fixed Rate Land Loans 15 years 7.35% $10.00 per $1,000 borrowed
Fixed Rate Land Loans 20 years 7.60% $9.00 per $1,000 borrowed
Fixed Rate Easy Equity 36 month as low as 5.35% $31.00 per $1,000 borrowed
Fixed Rate Easy Equity 60 month as low as 5.60% $20.00 per $1,000 borrowed
Fixed Rate Easy Equity 84 month as low as 6.35% $15.00 per $1,000 borrowed
Fixed Rate Easy Equity 120 month as low as 6.60% $12.00 per $1,000 borrowed
Fixed Rate Easy Equity 180 month as low as 7.10% $10.00 per $1,000 borrowed

NMLS #634521