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Loan Rates

Effective January 28, 2014. Rates subject to change.

Loan Type Annual Percentage Rate*
New Autos - Up to 72 Months 2.90%
Used Autos - Up to 72 Months 2.90%
All Other Used Autos
7 - 10 Years Old - Up to 36 Months
10 Years Plus - Up to 24 Months
7.90%
Motor Homes
0 - 5 Years - Up to 60 Months
5 - 8 Years - Up to 48 Months
7.90%
Motorcycles/ATV's
0 - 5 Years - Up to 48 Months
5 - 8 Years - Up to 36 Months
5.90%
Boats/Watercraft
0 - 5 Years - Up to 48 Months
5 - 8 Years - Up to 36 Months
5.90%
Campers
0 - 5 Years - Up to 48 Months
5 - 8 Years - Up to 36 Months
7.90%
Machinery & Equipment
0 - 5 Years - Up to 48 Months
5 - 8 Years - Up to 36 Months
7.90%
Household Goods - Up to 48 Months 7.90%
Mobile Homes
0 - 5 Years - Up to 84 Months
5 - 8 Years - Up to 60 Months
8 Years Plus - Up to 48 Months
7.90%
Personal
> $5,000.00 - Up to 48 Months
< $5,000.00 Up to 36 Months
9.90%
Share Secured
> $10,000.00 - Reasonable
> $5,000.00 Up to 48 Months
< $5,000.00 Up to 36 Months
rate on collateral plus 2% (min 6%)
First Mortgage - 30 Years - Fixed Rate with 5-year balloon** 5.00%
Second Mortgage - 15 Years - Fixed Rate with 5-year balloon** 6.00%
HELOC - 5 year draw period with a 15 year payment period - variable rate*** 4.25%


*Actual Rate will be determined by credit score.
**Interest rate is fixed only for 5-year period.
***Variable rate moves in accordance with the Prime lending rate as published in the Wall Street Journal.
NGCU may be able to match or beat competitor's rates.

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