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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

New   Vehicle 84 months #

4.000

4.000

84

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 #

3.500

3.500

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   Platinum Credit Card

8.990

8.990

12

VISA   Classic Credit Card

11.500

11.500

12

VISA   Rewards Credit Card

12.990

12.990

 

*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 June 1, 2017.