Loan Rates
NPM Credit Union has adopted a "merit based" system for determining rates. The better your credit experience is, the lower your loan interest rate will be. Unless otherwise noted, the rates below are the best we are offering.
Rates are subject to change without notification. All rates shown are Annual Percentage Rates (APR). Some restrictions may apply. These rates are effective September 1, 2010.
Personal Loan Rates (Terms may vary unless otherwise noted) |
Titled Collateral |
as low as 4.49% |
Non-titled Collateral |
as low as 5.99% |
Signature |
as low as 9.90% |
Share secured |
as low as 4.25% |
Certificate secured |
2.50% over secured certificate rate |
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Lines of Credit Rates |
Kwik Cash |
12.99% |
1st or 2nd Mortgage HELOC 1
|
as low as 4.00% |
- 4.00% variable APR is based on the Index (the highest prime rate as published in the Federal Reserve Statistical Release) plus 0% margin. The APR is subject to change quarterly, based on changes to the Index. $5,000 minimum line of credit. Subject to credit approval. The APR may increase or decrease, but will not exceed 18% APR or go lower than 4% APR. Estimated fees to open line: $50-$125. If an appraisal or title insurance is required, fees would increase an estimated $175-$350. Property and/or flood insurance, if applicable, is required. Available only on lines secured by owner occupied residence and with a loan to value ratio of 80% or less. Consult your tax advisor regarding interest deductibility. Other loan restrictions may apply.
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| Home Equity Rates |
3-year ARM (80% LTV) |
as low as 5.50% |
5-year Fixed (80% LTV) 1 |
as low as 5.50% |
- A 5-year, $10,000 loan with an APR of 5.25% would require 60 monthly payments of $189.87.
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Adjustable Rate Mortgages (Terms may vary unless otherwise noted) |
Call a loan officer for current rate
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Fixed Rate Mortgages |
| 15, 20, 30 year Fixed Click here |
Helpful links explaining credit scores:
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