Loan Rates
Effective July 27, 2023. Rates subject to change.
| Loan Type | Annual Percentage Rate* |
|---|---|
| New Autos – 0-42 Months New Autos – 43-72 Months |
6.75% 7.00% |
| Used Autos – 0-42 Months Used Autos – 43-72 Months |
6.75% 7.00% |
| All Other Used Autos 7-10 Years Old – Up to 36 Months 10 Years Plus – Up to 24 Months |
9.90% |
| Motor Homes 0-5 Years – Up to 60 Months 5-8 Years – Up to 48 Months |
7.90% |
| Motorcycles/ATVs 0-5 Years – Up to 48 Months 5-8 Years – Up to 36 Months |
7.90% |
| Boats/Watercraft 0-5 Years – Up to 48 Months 5-8 Years – Up to 36 Months |
7.90% |
| Campers 0-5 Years – Up to 48 Months 5-8 Years – Up to 36 Months |
7.90% |
| Machinery & Equipment | 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 – Up to 48 Months <$5,000 – Up to 36 Months |
10.90% |
| Share Secured >$10,000 – Reasonable >$5,000 – Up to 48 Months <$5,000 – Up to 36 Months |
6.00% If secured by a CD, rate on collateral plus 2% |
| First Mortgage – 30 Years Fixed Rate with 5-Year Balloon** |
6.90% |
| Second Mortgage – 15 Years Fixed Rate with 5-Year Balloon** |
8.50% |
| HELOC – 5-Year Draw Period with a 15-Year Payment Period – Variable Rate*** | 8.50% |
*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 competitors’ rates.