|
|
Vehicle Loan Rates* (APR)
|
|
Credit Score Range |
|
Model Year
|
Term
|
730+
|
729-700
|
699-680
|
679-640
|
639-600
|
599-550
|
|
2008-07
|
24-60
|
4.75%
|
5.00%
|
5.25%
|
7.35%
|
9.75%
|
11.75%
|
|
|
66
|
5.20%
|
5.35%
|
5.85%
|
7.85%
|
10.00%
|
12.00%
|
|
2006
|
24-60
|
5.00%
|
5.00%
|
5.50%
|
7.50%
|
9.85%
|
10.85%
|
|
|
66
|
5.35%
|
5.50%
|
5.85%
|
8.50%
|
10.75%
|
11.50%
|
|
2005
|
24-60
|
5.15%
|
5.25%
|
5.75%
|
8.50%
|
10.50%
|
11.00%
|
|
2004
|
24-60
|
5.50%
|
5.50%
|
5.85%
|
8.75%
|
11.00%
|
11.50%
|
|
2003
|
24-36
|
5.50%
|
5.75%
|
6.00%
|
9.25%
|
11.50%
|
12.00%
|
|
2002
|
24-36
|
6.00%
|
6.00%
|
6.75%
|
9.75%
|
12.00%
|
12.50%
|
|
Discount: .25% off with AutoPay
*Rates apply to new and used cars, trucks, motorcycles & boats.
|
|
Signature Loan Rates
|
|
Credit Score Range
|
Rate (APR)
|
|
730+
|
8.20%
|
|
680 - 729
|
8.20%
|
|
640 - 679
|
10.75%
|
|
600 - 639
|
13.00%
|
|
550 - 599
|
16.00%
|
|
Terms Available from six (6) to 60 months
Discount: .25% off with AutoPay
|
|
Share Secured Loan Rates
|
| Credit Score Range |
730+
|
729- 700
|
699 - 680
|
679 - 640
|
630 - 600
|
599 & Less
|
| Rate (APR) |
4.75%
|
6.00%
|
6.25%
|
8.10%
|
10.24%
|
11.75%
|
|
Discount: .25% off with AutoPay
|
|
Home Equity Line of Credit
|
|
Term
|
Rate (APR)
|
|
6 months to 15 years
|
5.25%
|
|
Home Equity Fixed Loan Rates* (APR)
|
|
Credit Score Range |
|
Term
|
730+
|
680-729
|
640-679
|
600-639
|
550-599
|
|
Up to 60 months
|
6.50% |
6.75% |
6.99% |
7.25% |
Not Available |
|
61 to 120 months
|
6.75% |
6.99% |
7.25% |
7.50% |
Not Available |
|
120 to 180 months
|
6.99% |
7.25% |
7.50% |
7.75% |
Not Available |
Mimimum loan amount $5,000
Maximum loan amount $100,000
Fixed rate established by the Board of Directors |
| All rates are subject to change. You must be a member to apply for a loan. Membership is open to anyone who lives, works, worships, attends school or volunteers in Niagara County and opens an account with a minimum $5 deposit. Your savings federally insured to at least $100,000 by the NCUA a U.S. Government Agency.
Niagara's Choice Federal Credit Union is an Equal Housing Lender. Home Equity Line of Credit rates are adjusted on the first business day of each quarter based on the Prime Rate as published in the Wall Street Journal.
|
|
 |
