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Rates

Loan Rates

  • Auto Loans

    Model Year Terms APR**
    2020 - Present 0-60 Months
    2020 - Present 61-66 Months
    2020 - Present 67-75 Months
    2020 - Present 76-84 Months
    2016 - 2019 0-60 Months
    2016 - 2019 61-66 Months
    2016 - 2019 67-75 Months
    2016 - 2019 76-84 Months
    2013 - 2015 0-60 Months
    2013 - 2015 61-66 Months
    2013 - 2015 67-75 Months
    2013 - 2015 76-84 Months

    **Risk Based: The Annual Percentage Rate (APR) you receive is based on your credit worthiness, your Member Relationships with NAEFCU, the age of vehicle, and whether or not it is an existing NAEFCU loan. Please ask a loan officer for the rate that you qualify.

  • Recreational Loans

    Type Terms APR**
    Recreational Vehicles
    (Campers & Boats)     		Up to 120 Months

    **Rates as low as. APR=Annual Percentage Rate

  • Motorcycle Loans

    Type Terms APR**
    Motorcycles Up to 75 Months

    **Rates as low as. APR=Annual Percentage Rate

  • Share Secured Loans

    Type Terms APR**
    Shared Secured 0 - 60 Months Above Current Rate

    **Rates as low as. APR=Annual Percentage Rate

  • Certificate Secured Loans

    Type Terms APR**
    Certificate Secured 12 - 60 Months Above Current Rate

    **Rates as low as. APR=Annual Percentage Rate

  • Signature Loans

    Type Terms APR**
    Signature Loans 0 - 24 Months
    Signature Loans 25 - 60 Months
    Signature Loans 61 - 72 Months

    **Rates as low as. APR=Annual Percentage Rate

  • Visa Platinum Credit Card Loans

    Type APR**
    Visa Platinum Credit Card

    *Rates as low as. **Rates as low as. APR=Annual Percentage Rate

Share Rates

  • Share Savings

    Type Minimum Balance
    To Open Account    		 Minimum Balance
    To Earn Dividends    		 APR* APY* Dividends Post
    Share Savings $5.00 $1,000-$10,000 Quarterly
    Share Savings $5.00 $10,001+ Quarterly

  • Vacation Club

    Type Minimum Balance
    To Open Account    		 Minimum Balance
    To Earn Dividends    		 APR* APY* Dividends Post
    Vacation Club $0.00 $100-$4,000 Monthly
    Vacation Club $0.00 $4,001-$6,000 Monthly
    Vacation Club $0.00 $6,001+ Monthly

  • Christmas Club

    Type Minimum Balance
    To Open Account    		 Minimum Balance
    To Earn Dividends    		 APR* APY* Dividends Post
    Christmas Club $0.00 $100-$4,000 Monthly
    Christmas Club $0.00 $4,001-$6,000 Monthly
    Christmas Club $0.00 $6,001+ Monthly

  • Money Market

    Type Minimum Balance
    To Open Account    		 Minimum Balance
    To Earn Dividends    		 APR* APY* Dividends Post
    Money Market $0.00 $1,000-$20,000 Monthly
    Money Market $0.00 $20,001-$100,000 Monthly
    Money Market $0.00 $100,001+ Monthly

  • Youth Savings (Looney Toons)

    Type Minimum Balance
    To Open Account    		 Minimum Balance
    To Earn Dividends    		 APR* APY* Dividends Post
    Youth Savings (Looney Toons) $0.00 $1,000-$20,000 Monthly
    Youth Savings (Looney Toons) $0.00 $20,001-$100,000 Monthly
    Youth Savings (Looney Toons) $0.00 $100,001+ Monthly

  • IRA Shares

    Type Minimum Balance
    To Open Account    		 Minimum Balance
    To Earn Dividends    		 APR* APY* Dividends Post
    IRA Shares $0.00 $100-$20,000 Monthly
    IRA Shares $0.00 $20,001-$100,000 Monthly
    IRA Shares $0.00 $100,001+ Monthly

  • Share & IRA Certificates

    Term Minimum Balance To
    Earn Dividends    		 Standard
    Relationship
    APR*
    APY*    		 Preferred
    Relationship
    APR*
    APY*
    6 Months
    Other Terms: 7, 8, 9, 10, & 11    		 $1,000-$25,000
    6 Months
    Other Terms: 7, 8, 9, 10, & 11    		 $25,001-$100,000
    6 Months
    Other Terms: 7, 8, 9, 10, & 11    		 $100,001+
    12 Month
    Other Terms: 13, 15, & 16 Mo    		 $1,000-$25,000
    12 Month
    Other Terms: 13, 15, & 16 Mo    		 $25,001-$100,000
    12 Month
    Other Terms: 13, 15, & 16 Mo    		 $100,001+
    18 Months
    Other Terms: 19, 20, 21, & 22    		 $1,000-$25,000
    18 Months
    Other Terms: 19, 20, 21, & 22    		 $25,001-$100,000
    18 Months
    Other Terms: 19, 20, 21, & 22    		 $100,001+
    24 Months
    Other Terms: 30 & 35    		 $1,000-$25,000
    24 Months
    Other Terms: 30 & 35    		 $25,001-$100,000
    24 Months
    Other Terms: 30 & 35    		 $100,001+
    36 Months $1,000-$25,000
    36 Months $25,001-$100,000
    36 Months $100,001+
    48 Months $1,000-$25,000
    48 Months $25,001-$100,000
    48 Months $100,001+
    60 Months $1,000-$25,000
    60 Months $25,001-$100,000
    60 Months $100,001+

    Dividends posted monthly for all terms.
    Effective date 10/10/2023.
    Rates can Change at Any time.