LOAN PRICING
(Limited Time Offer)
Please contact a loan officer for more details on our low loan rates.
All rates effective as of August 6, 2009

 Mastercard/Visa

Visa Platinum Preferred	8.25% APR* (prime + 5%)-effective 12/30/2008 (Scorecard Rewards)
MasterCard Standard	14.99% APR*
MasterCard Gold	9.75% APR* Purchases  (Introductory Rate 0.00% APR - Refer to Disclosures)
HELOC	4.25% APR* (prime + 1%)-effective 12/30/2008 **

All rates subject to change without notice.    *Annual Percentage Rate.   **The maximum annual percentage rate that can apply on HELOC is 18% or the maximum permitted by law,  whichever is less. 

                    Mortgage Products      

Fixed Rate Mortgages - 10/15/20/30 Year Fixed Rate Mortgages
                                                

 1st Mortgages -    Rates As Low As 5.0% APR*
                                      1-6 Year Balloon Notes - 30 year amortization     
                                      Subject to normal closing costs
                                      

*Property insurance is required on loan collateral.  For example: payment for a $10,000.00 loan with a 5 year amortization @ 5.00% APR (Annual Percentage Rate) is $188.73 per month.  Advertised offers are effective 7/14/09 and are subject to change at any time.  Approvals subject to qualified credit and property evaluation.  APR will vary based upon applicant's credit worthiness and the term of the loan.  Membership eligibility is required.  Other restrictions may apply.  This credit union is federally insured by the National Credit Union Administration. 

2nd Mortgages -    5 Year Rate Lock
                                     Rates As Low As 7.50% APR**
                                    *No More Floating Rates - Convert Your Home Equity Line of Credit

**Advertised offers are effective 07/14/09 and are subject to change at any time.  Approvals subject to qualified credit and property evaluation. The loan has a term of five years, but is amortized over fifteen years. Monthly payment for $10,000.00 borrowed at 7.50% Annual Percentage Rate is $92.74 for sixty months.  APR will vary based upon applicant's credit worthiness and the term of the loan.  Membership eligibility is required.  Other restrictions may apply.  This credit union is federally insured by the National Credit Union Administration.

HELOC -          Home Equity Line of Credit
                                      Waive $50.00 Processing Fee

Secured Loans

Autos 
Rates as low as 4.50%

Repayment is $43.65 per month per $1000.00 borrowed based upon financing at 4.50% Annual Percentage Rate for a 24 month period. Advertised offers are effective 08/06/09 and are subject to change at any time. Approvals subject to qualified credit. APR will vary based upon applicant's credit worthiness and the term of the loan. Membership eligibility is required. Other restrictions may apply. This credit union is federally insured by the National Credit Union Administration.

 Power Sports
Rates as low as 5.50%

                               
RVs, ATVs, Boats, Snowmobiles

 

Repayment is $44.10 per month per $1000.00 borrowed based upon financing at 5.50% Annual Percentage Rate for a 24 month period. Advertised offers are effective 08/06/09 and are subject to change at any time. Approvals subject to qualified credit. APR will vary based upon applicant's credit worthiness and the term of the loan. Membership eligibility is required. Other restrictions may apply. This credit union is federally insured by the National Credit Union Administration.

            Contact a loan officer at NCCU today!