Loan Rates

Consumer Loan Rates as of May 1, 2017
Scroll to the left to view the rest of the table.

48 Months

60 Months

72 Months

84 Months

Autos & Motorcycles 2011-2017**
Payment per $1000 borrowed
1.99% APR*
$21.70
1.99% APR*
$17.53
2.49% APR*
$17.97
3.99% APR*
$13.67
Autos & Motorcycles 2007-2010**
Payment per $1000 borrowed
3.99% APR*
$22.58
NA NA NA
Recreational Vehicles (Campers)**
Payment per $1000 borrowed
4.49% APR*
$22.81
4.49% APR*
$18.64
5.49% APR*
$16.34
5.49% APR*
$14.37
Share Secured Loans
Payment per $1000 borrowed
4.99% APR*
$23.03
4.99% APR*
$18.87
5.99% APR*
$16.58
5.99% APR*
$14.61
Personal Unsecured Loans up to $10,000
Payment per $1000 borrowed
10.99% APR*
$25.85
10.99% APR*
$21.75
NA NA
Home Improvement Loans up to $15,000
Payment per $1000 borrowed
4.99% APR*
$23.03
4.99% APR*
$18.87
NA NA





Overdraft Line of Credit Up to $1000
Payment per $1000 borrowed
16.00% APR*
$50.00
$5 fee per day if 
an overdraft occurs










Home Equity Rates as of May 1, 2017

No CLOSING COST PROGRAMS

60 Months

120 Months

180 Months

Home Equity Loan*** up to 80% LTV
Payment per $1000 borrowed 
3.49% APR*
$18.19 
3.99% APR*
$10.12
4.49% APR*
$7.65
Home Equity Loan*** up to 90% LTV
Payment per $1000 borrowed
4.49% APR*
$22.81
4.99% APR*
$10.61
5.49% APR*
$8.17








Home Equity Line*** up to 80% LTV 240 month term 2.99% Fixed for 12 months Prime Rate -.25% thereafter
Home Equity Line**** up to 90% LTV 240 month term 3.99% Fixed for 12 months Prime Rate +.75% thereafter






Mortgage Rates as of May 1, 2017

15 Years

20 Years

30 Years

5/5 ARM ***** - No Lender Closing Costs

Payment per $1000 borrowed
3.25% Interest Rate
3.564% APR*
$7.03
3.25% Interest Rate
3.645% APR*
$5.68
3.25% Interest Rate
3.734% APR*
$4.36




Fixed Rate Mortgage******

Payment per $1000 borrowed
4.00% Interest Rate
4.042% APR*
$7.40
4.25% Interest Rate
4.284% APR*
$6.20
4.75% Interest Rate
4.789% APR*
$5.22





Rates subject to change based on credit scoring. Rates subject to change without notice. Property Insurance is required on all vehicle and real estate secured loans. Applicants must qualify for membership with NESC Federal Credit Union.

Mortgage and Home Equity payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be greater.

*APR = Annual Percentage Rate. APR based on creditworthiness.

**VSI Fee is added on all vehicle secured loans. 

***Minimum Home Equity amount is $20,000. Owner occupied 1-4 family properties only. 

**** Home Equity Line of Credit - Interest Rate is variable after 12 months and may adjust after consummation. Index based on Wall Street Journal Prime rate. Floor Rate = 0.00%; Maximum rate is 18%. Owner occupied 1-4 family properties only.

***** Adjustable Rate Mortgage. Rate may increase after consummation. Floor Rate = 2.25%; Caps 2/5. No Lender Closing Cost programs on balances $100,000 or greater and are not available in refinances of NESC balances. Maximum loan amount $400,000. APR based on a loan amount of $200,000. Owner Occupied Properties only. Based on a $200,000 loan the payment schedule will be 60 payments of $843.21 at an interest rate of 3.25%, 299 payments of $886.53 at an interest rate of 3.375% 1 payment of $881.96 at an interest rate of 3.375% 

******Maximum loan amount $400,000. APR based on a loan amount of $200,000. Owner Occupied Properties only. 10% down payment required on all purchase mortgages.