Consumer Rates

Save More When You Borrow

Effective 02/19/2016

Rates are subject to change at any time.

Vehicle Loans

Vehicle Term
(up to)
Base APR Loyalty Rewards
APR as low as
New / Used Hybrid 24 Months 1.49% 1.24%
New / Used Hybrid 36 Months 1.49% 1.24%
New / Used Hybrid 48 Months 1.74% 1.49%
New / Used Hybrid 60 Months 1.99% 1.74%
New / Used 24 Months 1.74% 1.49%
New / Used 36 Months 1.74% 1.49%
New / Used 48 Months 1.99% 1.74%
New / Used 60 Months 2.24% 1.99%
New / Used 72 Months 2.85% 2.60%
New / Used 84 Months 3.99% 3.74%

Only loans over $40,000 may be financed beyond 72 months.

Collateral Value of New vehicles – maximum of 110% not to exceed the total amount of the purchase price, plus taxes, title and vehicle warranty less down payment. Collateral Value of Used vehicles – maximum of 100% NADA retail value less down payment.

Leisure Vehicles - Watercraft, Aircraft and RVs

Type Term
(up to)
Base APR Loyalty Rewards
APR as low as
Leisure Vehicles 36 Months 4.50% 4.25%
Leisure Vehicles 60 Months 5.00% 4.75%
Leisure Vehicles 72 Months 5.75% 5.50%
Leisure Vehicles 84 Months 6.75% 6.50%
Leisure Vehicles 120 Months 7.25% 7.00%

Loans up to $25,000 max term 84 months.
Loans > $25,000 max term 120 months.

Collateral Value of New vehicles – maximum of 110% not to exceed the total amount of the purchase price, plus taxes, title and vehicle warranty less down payment. Collateral Value of Used vehicles – maximum of 100% NADA retail value less down payment.

Signature Loan

Loan Type Term Base APR Loyalty Rewards
APR as low as
Computer Loan 36 Months 8.00% 7.75%
Debt Consolidation 60 Months 10.75% 10.50%
Signature/Personal 12 Months 6.65% 6.40%
Signature/Personal 24 Months 6.99% 6.74%
Signature/Personal 36 Months 7.99% 7.74%
Signature/Personal 48 Months 8.99% 8.74%
Signature/Personal 60 Months 9.99% 9.74%

Signature/Personal: Aggregate $50,000 maximum for unsecured loans including Signature and InstaCash line (max. $10,000) of credit, excluding MasterCard and Visa. The maximum finance amount for a computer loan is $5,000.

Share and Secured Certificate

Share secured  =  Current share rate +2%

Certificate secured = The issued certificate rate +2%

Share Secured & Certificate Secured Accounts:

Share secured loans are available up to the aggregate balance of primary and family share accounts. Rates are variable and will change quarterly as the regular share rate changes.

Certificates may also be used as collateral up to the maturity date of the certificates. The rate is fixed for the term.

Term: Maximum 144 mos. for share secured/to maturity for certificate secured.

Collateral Value: Equal share/certificate balance.

Credit Card

Credit Card Purchase Cash Advance Balance Transfer After Promotion
InstaCash 12.00% 12.00% 12.00% 12.00%
Visa Gold Secured 9.90% 9.90% 9.90% 9.90%
Visa Gold 9.90% 9.90% 1.90% 9.90%
Visa Platinum* 6.90% 6.90% 1.90% 11.90%

Rates are presented here with the maximum Loyalty Reward (.25%) in place. Your rate on these new services will vary based on the level of Loyalty Rewards you qualify for. Calculate your Loyalty Reward level and subtract it from the base rate to determine what your rate will be.

When you establish a new certificate, auto loan or personal loan, your rate will improve .05% for each of the following:

  • Direct Deposit to NRLFCU
  • eStatements with NRLFCU
  • An active Visa CheckCard with NRLFCU
  • Transfer a loan from another financial institution to NRLFCU
  • Apply for the new account online with NRLFCU
  • $250,000 or more on deposit with NRLFCU
  • A First Trust Mortgage loan with NRLFCU

Any three or more conditions met, and you’ll qualify for the maximum Loyalty Reward of .25%. Visit here for complete details.