Loan Rates
Vehicle & Recreational Loans
First &
Second Mortgage Loans
Unsecured Loans
Home Equity Lines
of Credit
Kwik Cash
Lines
Fixed-Rate
Mortgage Loans
Share
Secured Loans
Money
Market Share Secured Loans
Share
Certificate Secured Loans
Get another 1/4% off Vehicle and Recreational Loans when you apply online! Some restrictions apply.
|
Vehicle & Recreational Loans
Click
to apply now! |
Year &
Term
(up to) |
36 months
APR*
(as low as) |
48 months
APR*
(as low as) |
60
months1 APR*
(as low as) |
72
months2 APR*
(as low as) |
|
2008 - 2006 |
5.75% |
5.99% |
5.99% |
6.50% |
|
2005 - 2002 |
6.99% |
6.99% |
n/a |
n/a |
|
2001 - older3 |
7.99% |
8.25% |
n/a |
n/a |
* APR
is Annual Percentage Rate. All rates reflect a .25%
reduction for direct deposit or auto funds transfer to the loan.
Length of term to be determined by loan officer.
Financing includes tax, title and license.
1: 60-month term available for loans of $10,000 or more.
2: 72-month term available for loans of $15,000 or
more.
3: Will finance up to 80% of book value.
A five year, $1,000 loan with an APR of 5.75% would
require 60 monthly payments of $19.22. |
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Get another 1/4% off Unsecured Loans when you apply online!
Some restrictions apply.
|
Unsecured Loans
Click to apply now! |
|
Term
(up to) |
APR*
(as
low as) |
|
30
months ($1000 - $3500) |
10.90% |
|
36
months ($3501 - $5000)** |
10.90% |
* APR
is Annual Percentage Rate.
**Credit score of 650 or higher on loans of $3501 or
more.
A two year, $1,000 loan with an APR of 10.90% would
require 24 monthly payments of $46.56. |
|
Kwik Cash Lines
Click
to apply now! |
|
Term
(up to) |
APR*
(as
low as) |
Personal Line
of Credit
($500 - $5000)** |
12.99% |
* APR
is Annual Percentage Rate.
**Credit score of 650 or higher on limits of $3501 or
more.
Monthly payment is the
greater of $15.00 or 3% of loan balance and is due the
15th of each month. |
|
Share Secured Loans
Click to apply now! |
|
Term
(up to) |
APR*
(as
low as) |
|
36 months |
4.25% |
* APR
is Annual Percentage Rate.
A two year, $1,000 loan with an APR of 4.25% would
require 24 monthly payments of $43.54. |
|
Money Market Secured Loans
Click to apply now! |
|
APR* (as low as)
|
| 2.50% over current money market rate |
| * APR
is Annual Percentage Rate. |
|
Share Certificate Secured Loans
Click to apply now! |
|
Term
(up to) |
APR*
(as
low as) |
|
Maturity date
of Certificate |
2.50%
over secured
certificate rate |
| * APR
is Annual Percentage Rate. |
|
First & Second Mortgage Loans
Click to apply now! |
|
Term |
APR*
(as
low as) |
First
mortgage: 3-yr ARM
100% LTV1 |
5.75% |
Second
mortgage: 3-yr ARM
80% LTV |
6.00% |
Second
mortgage: 3-yr ARM
90% LTV2 |
6.50% |
* APR
is Annual Percentage Rate. Credit Union to pay fee
on first and second mortgages
≤ $35,000 with new money of
$5,000 or more. Member to pay all other fees including
title, appraisal, recording fees, etc.
1: Private Mortgage Insurance (PMI) required on all
first mortgages with a LTV >80%.
2: Credit score of 650 or higher.
A five year, $10,000 loan with an APR of 5.75% would
require 60 monthly payments of $192.16. |
|
Home Equity Lines of Credit
Click to apply now! |
|
Term |
APR*
(as
low as) |
|
First or
Second mortgage: HELOC1 |
5.00% |
| * APR
is Annual Percentage Rate.
1: 5.00% variable Annual Percentage Rate is based on the
Index plus a 0% margin. the APR is subject to change
quarterly, based on changes to the Index (the highest
prime rate as published in the Federal Reserve
Statistical Release). $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 that
4% APR. Estimated fees to open line: $50-$125. If an
appraisal or title insurance is required, fees to open a
line 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.
last updated 4/30/2008 |
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|
Fixed-Rate Mortgage Loans
Click to apply now! |
|
Term |
APR*
(as
low as) |
First
mortgage: 5-yr term
80% LTV |
5.75% |
Second
mortgage: 5-yr term
80% LTV |
6.00% |
|
NPM Credit
Union offers other Fixed-Rate Mortgage loans through
Central States Mortgage and Your Mortgage Company at
their rates and terms. Call a loan officer at the Credit
Union for more information. |
* APR
is Annual Percentage Rate.
A five year, $10,000 loan with an APR of 5.75% would
require 60 monthly payments of $192.16. |
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All rates
subject to change without notice. Some restrictions may apply. |
