Auto Loans as low as 5.00% APR*

*APR= Annual Percentage Rate.  Rates are determined by member’s credit score, loan term, and vehicle age.  The quoted rate is based on a 36-month term all discounts included. Other great rates and terms are available. Rates are subject to change without notice. The monthly payment per $1,000 borrowed at 4.75% for 36 months is $29.86.

• Automatic payment transfer (discount .25%)

• 20% down payment on vehicle loan (discount .25%)

• Share draft checking account or Credit card (discount .25%)

• Maximum discount .75%

Click here to apply online, in English.

Click here to print an application in English.

Click here to print an application in Spanish.

GAP Insurance

Guaranteed Asset Protection Insurance is designed to "fill the gap" between what you owe on your vehicle, and what the insurance company pays if your car is totaled in an accident. GAP Insurance will also give you $1,000 cash toward a replacement car if you finance with the credit union again! The one time fee of $425 can even be included in your loan.

Don't get caught in the G A P!

The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by the credit union nor an obligation of the credit union. The insurance may lose value.

Loan Rates Effective 05-01-22

Rates are subject to change without notice.

Signature Loans as low as 8.50% APR*

The maximum signature loan limit will be based on credit history, up to a maximum of $20,000. Quoted rate is based on a 2 year term all discounts included. Other collateral may be used as security for amounts above the signature limit. Overdraft protection and VISA limits are included in the signature limit. Rates subject to change without notice. The monthly payment per $1,000 borrowed at 8.50% for 2 years is $45.47.  

• Automatic payment transfer (discount .25%)

• Share draft account or Credit card (discount .25%)

• Maximum discount .50%

Click here to apply online, in English.

Click here to print an application in English.

Click here to print an application in Spanish.

Variable Rate Loans

Overdraft Protection

The annual percentage rate is subject to change on the 1st day of February, May, August, and November based upon the average of the prior quarter's Federal Reserve prime rate, rounded up to the nearest ¼% (index), plus or minus the percentage shown above.

Loans will be issued in increments of $25 only. Members not having $25 available on a line of credit will not receive a lesser loan amount, even if the amount is sufficient to cover the overdraft. Must be a member with a minimum share deposit of $10 to cover the any cost associated with the loan.

Share Secured

The annual percentage rate will be 3.75% APR* above the average dividend rate earned on the security accounts, rounded up to the nearest ¼%. The security for share secured advances must be maintained to the extent of the unpaid balance of the advance. When the average deposit yield changes, the annual percentage rate will change to reflect the new dividend rate. Exception to the share secured rate will be for an Overdraft Protection Loan. It will be written at the Overdraft Protection loan rate regardless of collateral.

 

First Mortgage Rates

**LTV = Loan to value
Rates are valid for 45 days from the date of application.

The maximum loan-to-value is 80%. Offer valid for purchases and refinances. CT properties only. All rates and terms are subject to change without notice. Homeowner’s insurance is required. Additional fees and closing costs apply. Contact NFFCU for an estimate of costs. Consult a tax advisor regarding the deductibility of interest. Rates are subject to change without notice.

The Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater than stated.

Note: Click here to see our mobile home/manufactured home rates.

Second Mortgage Rates - $150,000 maximum loan amount, fixed rate

** Loan to value. Maximum loan to value is 90%. Please contact the credit union for additional rate information. 

Rate Reduction Reward ~ Automatic payment transfer (discount .25%) from new or existing share draft account.

*APR= Annual Percentage Rate. Your rate will be determined by your credit score, loan to value and term of loan.  Maximum loan to value is 90%. Offer valid on Home Equity Loans of $10,000.00 or greater. Other great rates and terms available. Rates subject to change without notice. Title insurance may be required. Homeowner’s insurance is required. Consult a tax advisor regarding the deductibility of interest. The Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater than stated.

HOMELINE - (HELOC)

*APR= Annual Percentage Rate. APR= Annual Percentage Rate. Your rate will be determined by your credit score and loan to value. The maximum loan-to-value is 90%. The rate is based on the Prime Rate as published in the Wall Street Journal on the last business day of the previous billing cycle.  As of 11/21/23, the Prime Rate was 8.50%. The rate may vary monthly with changes to The Wall Street Journal Prime Rate. 80% LTV minimum rate, 4.50% APR, maximum rate 14.00% APR. 90% LTV minimum rate 8.50% APR, maximum 18.00% APR.  Title insurance may be required. Homeowners insurance is required.  The annual fee of $25.00 is waived for the first year. Consult a tax advisor regarding the deductibility of interest. Rates are subject to change without notice. Other rates and terms are available. Payment method example:  $10,000 X .0750/365 X 31 days= $63.70 per month. Member has to reimburse closing costs if the member pays off within 2 years.