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Rates & Disclosures

Bellwether works hard to offer our members some of the best rates in New Hampshire. From Auto Loans to Mortgages, Bellwether has just what you need. Save and earn more with Bellwether!

Savings Rates

$100 Minimum average daily balance required to earn dividends except Kid's Club account. "Save It Today!" Kid's Club has no minimum balance to earn dividends. $5.00 minimum to open account. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency. 

Effective Date: November 22, 2022
Account Type
Minimum Daily Balance to Earn Dividends
Dividend Rate %
Annual Percentage Yield (APY)
Account Type
Primary Share Savings
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Secondary Savings
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Club Accounts
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Save It Today! Kid's Club
Minimum Daily Balance to Earn Dividends
$5 - $500
Dividend Rate %
1.98%
Annual Percentage Yield (APY)
2.00%
Account Type
Save It Today! Kid's Club
Minimum Daily Balance to Earn Dividends
$500.01+
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%

$100 Minimum average daily balance required to earn dividends except Kid's Club account. "Save It Today!" Kid's Club has no minimum balance to earn dividends. $5.00 minimum to open account. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency. 

Certificate and IRA Rates

15 and 18 Month Special Promotions can only be opened in branch or by phone. Dividends are compounded and paid monthly. The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

Effective Date: November 22, 2022
Term
Dividend Rate %
Annual Percentage Yield (APY)
Premium Rate %
Premium APY %
Minimum Balance
Term
6 Month Certificate
Dividend Rate %
1.14%
Annual Percentage Yield (APY)
1.15%
Premium Rate %
1.14%
Premium APY %
1.15% APY
Minimum Balance
$500.00
Term
12 Month Certificate
Dividend Rate %
1.98%
Annual Percentage Yield (APY)
2.00%
Premium Rate %
2.03%
Premium APY %
2.05% APY
Minimum Balance
$500.00
Term
15 Month Certificate - Special Offer
Dividend Rate %
3.20%
Annual Percentage Yield (APY)
3.25%
Premium Rate %
3.25%
Premium APY %
3.30% APY
Minimum Balance
$500.00
Term
18 Month Certificate - Special Offer
Dividend Rate %
3.45%
Annual Percentage Yield (APY)
3.51%
Premium Rate %
3.50%
Premium APY %
3.56% APY
Minimum Balance
$500.00
Term
24 Month Certificate
Dividend Rate %
2.96%
Annual Percentage Yield (APY)
3.00%
Premium Rate %
3.01%
Premium APY %
3.05% APY
Minimum Balance
$500.00
Term
36 Month Certificate
Dividend Rate %
2.55%
Annual Percentage Yield (APY)
2.58%
Premium Rate %
2.60%
Premium APY %
2.63% APY
Minimum Balance
$500.00
Term
48 Month Certificate
Dividend Rate %
2.60%
Annual Percentage Yield (APY)
2.63%
Premium Rate %
2.70%
Premium APY %
2.73% APY
Minimum Balance
$500.00
Term
60 Month Certificate
Dividend Rate %
2.70%
Annual Percentage Yield (APY)
2.73%
Premium Rate %
2.80%
Premium APY %
2.83% APY
Minimum Balance
$500.00
Effective Date: November 22, 2022
Term
Dividend Rate %
Annual Percentage Yield (APY)
Premium Rate %
Premium APY %
Minimum Balance
Term
6 Month IRA Certificate
Dividend Rate %
1.14%
Annual Percentage Yield (APY)
1.15%
Premium Rate %
1.14%
Premium APY %
1.15%
Minimum Balance
$500.00
Term
12 Month IRA Certificate
Dividend Rate %
1.98%
Annual Percentage Yield (APY)
2.00%
Premium Rate %
2.03%
Premium APY %
2.05%
Minimum Balance
$500.00
Term
15 Month IRA Certificate - Special Offer
Dividend Rate %
3.20%
Annual Percentage Yield (APY)
3.25%
Premium Rate %
3.25%
Premium APY %
3.30%
Minimum Balance
$500.00
Term
18 Month IRA Certificate - Special Offer
Dividend Rate %
3.45%
Annual Percentage Yield (APY)
3.51%
Premium Rate %
3.50%
Premium APY %
3.56%
Minimum Balance
$500.00
Term
24 Month IRA Certificate
Dividend Rate %
2.96%
Annual Percentage Yield (APY)
3.00%
Premium Rate %
3.01%
Premium APY %
3.05%
Minimum Balance
$500.00
Term
36 Month IRA Certificate
Dividend Rate %
2.55%
Annual Percentage Yield (APY)
2.58%
Premium Rate %
2.60%
Premium APY %
2.63%
Minimum Balance
$500.00
Term
48 Month IRA Certificate
Dividend Rate %
2.60%
Annual Percentage Yield (APY)
2.63%
Premium Rate %
2.70%
Premium APY %
2.73%
Minimum Balance
$500.00
Term
60 Month IRA Certificate
Dividend Rate %
2.70%
Annual Percentage Yield (APY)
2.73%
Premium Rate %
2.80%
Premium APY %
2.83%
Minimum Balance
$500.00
Term
IRA Savings
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Premium Rate %
0.01%
Premium APY %
0.01%
Minimum Balance
$100.00

15 and 18 Month Special Promotions can only be opened in branch or by phone. Dividends are compounded and paid monthly. The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

Money Market Rates

Premier Money Market: The minimum balance required to open this account is $2,500.00.  You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The dividend rate and annual percentage yield may change at any time by the Credit Union’s Asset Liability Committee. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Dividends will be compounded at least monthly. Dividends will be credited to your account at least monthly. An excess withdrawal fee will be charged for each debit transaction (withdrawal, draft paid, automatic transfer or payment out of this account) in excess of three during a month. Please refer to separate fee schedule for charges that will apply.

Money Market: Rates are variable and may change after the account is opened. Minimum balance of $2,500.00 to open. Minimum balance of $2,500.00 to obtain dividends. Fees may reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

Effective Date: November 22, 2022
Account Type
Dividend Rate %
Annual Percentage Yield (APY)
Average Daily Balance
Account Type
Premier Money Market
Dividend Rate %
2.03%
Annual Percentage Yield (APY)
2.05% APY*
Average Daily Balance
$250,000 - $499,999.99
Account Type
Premier Money Market
Dividend Rate %
1.98%
Annual Percentage Yield (APY)
2.00% APY*
Average Daily Balance
$100,000 - $249,999.99
Account Type
Premier Money Market
Dividend Rate %
0.05%
Annual Percentage Yield (APY)
0.05% APY
Average Daily Balance
$2,500.00 - $99,999.99
Effective Date: November 22, 2022
Account Type
Dividend Rate %
Annual Percentage Yield (APY)
Average Daily Balance
Account Type
Money Market
Dividend Rate %
0.79%
Annual Percentage Yield (APY)
0.79% APY*
Average Daily Balance
$100,000+
Account Type
Money Market
Dividend Rate %
0.53%
Annual Percentage Yield (APY)
0.53% APY*
Average Daily Balance
$50,000.00 - $99,999.99
Account Type
Money Market
Dividend Rate %
0.36%
Annual Percentage Yield (APY)
0.36% APY
Average Daily Balance
$10,000.00 - $49,999.99
Account Type
Money Market
Dividend Rate %
0.24%
Annual Percentage Yield (APY)
0.24% APY
Average Daily Balance
$2,500.00 - $9,999.99
Account Type
Money Market
Dividend Rate %
0.00%
Annual Percentage Yield (APY)
0.00% APY
Average Daily Balance
$0.00 - $2,499.99

Premier Money Market: The minimum balance required to open this account is $2,500.00.  You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The dividend rate and annual percentage yield may change at any time by the Credit Union’s Asset Liability Committee. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. Dividends will be compounded at least monthly. Dividends will be credited to your account at least monthly. An excess withdrawal fee will be charged for each debit transaction (withdrawal, draft paid, automatic transfer or payment out of this account) in excess of three during a month. Please refer to separate fee schedule for charges that will apply.

Money Market: Rates are variable and may change after the account is opened. Minimum balance of $2,500.00 to open. Minimum balance of $2,500.00 to obtain dividends. Fees may reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

Mortgage Rates

Fixed Rate: * All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan with a 20% down payment. Additional Rate and Point options available. Please call 1-603-645-8181 for more information.

Adjustable Rate: Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.

The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change.

The 1/1 ARM offers a fixed rate for 1 year and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 3/1 ARM offers a fixed rate for 3 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The Seasonal Home 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 3.50 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.

The Easy Start 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.

The 7/1 ARM offers a fixed rate for 7 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

The 10/1 ARM offers a fixed rate for 10 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

For 1 - 4 family owner-occupied residence, condo and one-unit second homes.

Caps
1/1, 3/1, and 5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5

Effective Date: November 29, 2022
Account Type
Term
Rate (%)
APR (%)
Payment Example
Account Type
30 Year Fixed w/ 0 points
Term
30 yrs
Rate (%)
6.625%
APR (%)
6.718%
Payment Example
$1,280.62
Account Type
20 Year Fixed w/ 0 points
Term
20 yrs
Rate (%)
6.250%
APR (%)
6.370%
Payment Example
$1,461.86
Account Type
15 Year Fixed w/ 0 points
Term
15 yrs
Rate (%)
6.125%
APR (%)
6.196%
Payment Example
$1,701.25
Account Type
10 Year Fixed w/ 0 points
Term
10 yrs
Rate (%)
6.125%
APR (%)
6.225%
Payment Example
$2,232.99
Account Type
Construction 30 Year Fixed
Term
30 yrs
Rate (%)
7.125%
APR (%)
7.533%
Payment Example
$1,347.44
Effective Date: November 29, 2022
Account Type
Rate (%)
Annual Percentage Rate (APR) As Low As*
Account Type
1/1 ARM CMT
Rate (%)
5.625%
Annual Percentage Rate (APR) As Low As*
7.177%
Account Type
3/1 ARM CMT
Rate (%)
5.750%
Annual Percentage Rate (APR) As Low As*
6.986%
Account Type
Seasonal Home 5/1 ARM CMT
Rate (%)
6.990%
Annual Percentage Rate (APR) As Low As*
7.697%
Account Type
5/1 ARM CMT
Rate (%)
5.875%
Annual Percentage Rate (APR) As Low As*
6.778%
Account Type
5/5 ARM CMT
Rate (%)
5.625%
Annual Percentage Rate (APR) As Low As*
6.429%
Account Type
Easy Start 5/5 ARM CMT
Rate (%)
5.500%
Annual Percentage Rate (APR) As Low As*
6.403%
Account Type
7/1 ARM CMT
Rate (%)
7.250%
Annual Percentage Rate (APR) As Low As*
7.394%
Account Type
10/1 ARM CMT
Rate (%)
7.375%
Annual Percentage Rate (APR) As Low As*
7.481%
Account Type
Construction 5/1 ARM
Rate (%)
5.875%
Annual Percentage Rate (APR) As Low As*
7.122%

Fixed Rate: * All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan with a 20% down payment. Additional Rate and Point options available. Please call 1-603-645-8181 for more information.

Adjustable Rate: Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.

The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change.

The 1/1 ARM offers a fixed rate for 1 year and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 3/1 ARM offers a fixed rate for 3 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The Seasonal Home 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 3.50 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.

The Easy Start 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.

The 7/1 ARM offers a fixed rate for 7 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

The 10/1 ARM offers a fixed rate for 10 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

For 1 - 4 family owner-occupied residence, condo and one-unit second homes.

Caps
1/1, 3/1, and 5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5

Home Equity Line Rates

Bellwether offers two different HELOC products; *Home Equity Line and **Home Equity Plus Line of Credit. Rates shown are for well-qualified borrowers. For each product, the Annual Percentage Rate (APR) is variable and will be based on your creditworthiness and ability to repay. Rates are variable, based on the Wall Street Journal Prime (as of 10/1/22, 6.25%), and are subject to change at any time. Each product has an annual fee of $50, which will be charged each anniversary month, and a $344 early termination fee may apply if the account is closed within three years from account opening. If your property is held in a trust, an upfront, non-refundable $175 trust review fee applies; otherwise, there are no origination/application fees. If you pay interest only, you still owe the amounts drawn, and your monthly payment will increase when the interest-only period ends. Homeowners insurance is required.

*Home Equity Line: Rates as low as Prime - 0.25%. Prime as of 10/1/22 was 6.25%. Homeowner's insurance is required. All loans subject to credit approval. Floor rate is dependent on creditworthiness.

**Home Equity Plus Line of Credit: Maximum 100% combined loan-to-value ratio. Rates are as low as Prime +2.50%. Prime as of 10/1/22 was 6.25%. The variable APR will not exceed 18%. Floor rate is dependent on creditworthiness.

Click here for Home Equity Line Disclosure

Click Here for Home Equity Plus Line of Credit Disclosure

Effective Date: November 22, 2022
Account Type
% Financed
Annual Percentage Rate (APR) As Low As
Account Type
Home Equity Line
% Financed
Up to 85%
Annual Percentage Rate (APR) As Low As
As low as Prime - .25% (Variable)
Account Type
Home Equity Plus Line of Credit
% Financed
Up to 100%
Annual Percentage Rate (APR) As Low As
As low as Prime + 2.50% (Variable)

Bellwether offers two different HELOC products; *Home Equity Line and **Home Equity Plus Line of Credit. Rates shown are for well-qualified borrowers. For each product, the Annual Percentage Rate (APR) is variable and will be based on your creditworthiness and ability to repay. Rates are variable, based on the Wall Street Journal Prime (as of 10/1/22, 6.25%), and are subject to change at any time. Each product has an annual fee of $50, which will be charged each anniversary month, and a $344 early termination fee may apply if the account is closed within three years from account opening. If your property is held in a trust, an upfront, non-refundable $175 trust review fee applies; otherwise, there are no origination/application fees. If you pay interest only, you still owe the amounts drawn, and your monthly payment will increase when the interest-only period ends. Homeowners insurance is required.

*Home Equity Line: Rates as low as Prime - 0.25%. Prime as of 10/1/22 was 6.25%. Homeowner's insurance is required. All loans subject to credit approval. Floor rate is dependent on creditworthiness.

**Home Equity Plus Line of Credit: Maximum 100% combined loan-to-value ratio. Rates are as low as Prime +2.50%. Prime as of 10/1/22 was 6.25%. The variable APR will not exceed 18%. Floor rate is dependent on creditworthiness.

Click here for Home Equity Line Disclosure

Click Here for Home Equity Plus Line of Credit Disclosure

Auto Loan Rates

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Effective Date: November 22, 2022
Vehicle Year
Term
% Financed
APR (%)
Notes
Vehicle Year
2022 - 2020
Term
0-66 Months
% Financed
Up to 120%
APR (%)
5.74%
Notes
Est. monthly pmt: $17.70 per $1,000 (66 mos.)
Vehicle Year
2022 - 2020
Term
67-75 Months
% Financed
Up to 120%
APR (%)
6.54%
Notes
Est. monthly pmt: $16.28 per $1,000 for 75 months
Vehicle Year
2022 - 2020
Term
76-84 Months
% Financed
Up to 120%
APR (%)
7.34%
Notes
Est. monthly pmt: $15.26 per $1,000 for 84 months
Vehicle Year
2019 - 2016
Term
0-66 Months
% Financed
Up to 120%
APR (%)
5.99%
Notes
Est. monthly pmt: $17.82 per $1,000 (66 mos.)
Vehicle Year
2019 - 2016
Term
66-75 Months
% Financed
Up to 120%
APR (%)
6.79%
Notes
Est. monthly pmt: $16.40 per $1,000 for 75 months
Vehicle Year
2019 - 2016
Term
76-84 Months
% Financed
Up to 120%
APR (%)
7.59%
Notes
Est. monthly pmt: $15.38 per $1,000 for 84 months
Vehicle Year
2015-2013
Term
0-66 Months
% Financed
Up to 120%
APR (%)
6.04%
Notes
Est. monthly pmt: $17.85 per $1,000 (66 mos.)
Vehicle Year
2015-2013
Term
67-75 Months
% Financed
Up to 120%
APR (%)
6.79%
Notes
Est. monthly pmt: $16.40 per $1,000 for 75 months
Vehicle Year
2012 & older
Term
0-60 Months
% Financed
Up to 100%
APR (%)
8.09%
Notes
Est. monthly pmt: $20.32 per $1,000 (60 mos.)

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Other Vehicle Loan Rates

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Vehicle Year
Term
APR (%)
Notes
Vehicle Year
2022 - 2020
Term
0-66 Months
APR (%)
6.49%
Notes
Est. monthly pmt: $18.06 per $1,000
Vehicle Year
2022 - 2020
Term
67-75 Months
APR (%)
7.49%
Notes
Est. monthly pmt: $16.74 per $1,000
Vehicle Year
2019 - 2016
Term
0-66 Months
APR (%)
7.39%
Notes
Est. monthly pmt: $18.48 per $1,000
Vehicle Year
2019 - 2016
Term
66-75 Months
APR (%)
8.49%
Notes
Est. monthly pmt: $17.23 per $1,000
Vehicle Year
2015-2013
Term
0-66 Months
APR (%)
8.59%
Notes
Est. monthly pmt: $19.06 per $1,000

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Personal Loan Rates

*Rates are subject to change at any time. For Personal Loans and Greenlight Energy Efficiency Loans, other rates and terms are available. Your actual rate will be determined by your creditworthiness and ability to repay. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

*Rates are subject to change at any time. For Personal Loans and Greenlight Energy Efficiency Loans, other rates and terms are available. Your actual rate will be determined by your creditworthiness and ability to repay. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

Home Improvement Loan Rates

*Rates are subject to change at any time. Your actual rate will be determined by your creditworthiness and ability to repay. One of the borrowers must be the owner of the subject property and all borrowers must live in subject property. No non-occupant borrowers allowed. Minimum loan amount of $500; maximum loan amount of $30,000. Proof of income required for all loans greater than $25,000 and also dependent on creditworthiness. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

*Rates are subject to change at any time. Your actual rate will be determined by your creditworthiness and ability to repay. One of the borrowers must be the owner of the subject property and all borrowers must live in subject property. No non-occupant borrowers allowed. Minimum loan amount of $500; maximum loan amount of $30,000. Proof of income required for all loans greater than $25,000 and also dependent on creditworthiness. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

Visa Credit Card Rates

Prime Rate as of 10/1/22 was 6.25%. Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. All loans subject to credit approval. View Card Agreement.

Prime Rate as of 10/1/22 was 6.25%. Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. All loans subject to credit approval. View Card Agreement.

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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union.

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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union. Proceed to https://docs.google.com.