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LOANS

At NE PA Federal Credit Union, our goal is to help you to get the best rates possible for your individual circumstances, whether for loans or savings.

Loans Rate APR* Term
New Vehicle 24 months # 1.750 1.750 24
New Vehicle 36 months # 2.000 2.000 36
New Vehicle 48 months # 2.500 2.500 48
New Vehicle 60 months # 3.000 3.000 60
New Vehicle 72 months # 3.500 3.500 72
Used Vehicle (2013 vehicle year or newer) - 24 months # 1.750 1.750 24
Used Vehicle (2013 vehicle year or newer) - 36 months # 2.000 2.000 36
Used Vehicle (2013 vehicle year or newer) - 48 months # 2.500 2.500 48
Used Vehicle (2013 vehicle year or newer) - 60 months # 3.000 3.000 60
Used Vehicle (2013 vehicle year or newer) - 72 months # 4.000 4.000 72
Used Vehicle (2012 vehicle year) - Maximum repayment up to 60 months depending upon equity in vehicle 6.000 6.000 60
Used Vehicle (2011 vehicle year) - Maximum repayment up to 48 months depending upon equity in vehicle 6.500 6.500 48
Used Vehicle (2009 & 2010 vehicle years) - Maximum repayment up to 36 months depending upon equity in vehicle 7.500 7.500 36
Refinance Your Current Vehicle Loan From Another Financial Institution##      
Signature Loan Up to 12 months # 8.500 8.500 12
Signature Loan <= 24 months # 8.750 8.750 24
Line of Credit $1500 34 months 12.000 12.000 34
Line of Credit $3000 34 months 12.000 12.000 34
Line of Credit $5000 33 months 10.000 10.000 33
Line of Credit $7500 48 months 10.000 10.000 48
Share Secured##### 0.000 0.000 144
Share Certificate Secured ### 0.000 0.000 144
TOP Account Secured #### 0.000 0.000 144
Half-Share Secured 9.000 9.000 60
VISA Credit Card (Platinum Card) 8.990 8.990 12
VISA Credit Card (Classic Card) 11.500 11.500 12

*APR = Annual Percentage Rate

# Tiered-Rate Lending:  The Annual Percentage Rate (APR) you receive will be based on your credit worthiness.  Vehicle loans with 20% of the purchase price provided as down payment will qualify for a rate reduction of 0.25% APR. 

## Refinance your current vehicle loan from another financial institution and, if you qualify, enjoy the great rates listed above for the Used Vehicle Loans. Qualification for refinancing your vehicle loan will depend upon your credit history, remaining term, outstanding debt obligations, and equity in vehicle.  We will use 'Black Book' to determine the value of your vehicle.  The credit union will need a copy of your current installment loan contract.  Contact a credit union representative for specific rate and/or additional information.   

### The Annual Percentage Rate (APR) for Certificate Secured advances will be the Annual Percentage Yield (APY) being paid on the certificate offered (index) plus 3.25%.

#### The Annual Percentage Rate (APR) for Top Account Share Secured advances will be the Annual Percentage Yield (APY) being paid on the Top Account offered (index) plus 3.25% with a minimum APR of 3.50%.

#####The Annual Percentage Rate (APR) for Share Secured advances will be the Annual Percentage Yield (APY) being paid on the Share Account offered (index) plus 3.25% with a minimum APR of 3.45%.

Rates are subject to change.

  • Minimum Loan: $100.00 except share-secured loan, which is $1,000.00
  • Filing fee: you may be charged a filing fee at the time of your advance. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property.
  • Cancellation fee: if the loan closing is cancelled by the borrower, a $10.00 fee will be assessed.
  • Collateral Release or Substitution fee: if collateral is requested to be released early or substituted, a $15.00 fee is required to evaluate the request.

Rates and terms are effective as of September 1, 2016.