NGCU will be CLOSED for the Annual Meeting on Saturday, February 11.
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Loan Rates

Effective February 4, 2023. Rates subject to change.

Loan Type Annual Percentage Rate*
New Autos – 0-42 Months
New Autos – 43-72 Months
5.75%
5.90%
Used Autos – 0-42 Months
Used Autos – 43-72 Months
5.75%
5.90%
All Other Used Autos
7-10 Years Old – Up to 36 Months
10 Years Plus – Up to 24 Months
8.90%
Motor Homes
0-5 Years – Up to 60 Months
5-8 Years – Up to 48 Months
6.50%
Motorcycles/ATVs
0-5 Years – Up to 48 Months
5-8 Years – Up to 36 Months
6.50%
Boats/Watercraft
0-5 Years – Up to 48 Months
5-8 Years – Up to 36 Months
6.50%
Campers
0-5 Years – Up to 48 Months
5-8 Years – Up to 36 Months
6.50%
6.50
Household Goods – Up to 48 Months 6.50%
Mobile Homes
0-5 Years – Up to 84 Months
5-8 Years – Up to 60 Months
8 Years Plus – Up to 48 Months
6.50%
Personal
>$5,000 – Up to 48 Months
<$5,000 – Up to 36 Months
10.50%
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**
6.50%
Second Mortgage – 15 Years
Fixed Rate with 5-Year Balloon**
7.00%
HELOC – 5-Year Draw Period with a 15-Year Payment Period – Variable Rate*** 7.75%

*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.