Loan Rates

Neighbors FCU logo
Neighbors Federal Credit Union
neigborsfcu.org
Rates are current as of
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New Auto

TermBeginning APR*Payment per $1,000
246.34%$44.43
366.34%$30.54
486.49%$23.67
606.54%$19.54
666.69%$18.11
72**6.74%$16.88
78***6.93%$15.91
84****6.99%$15.04
*APR = Annual Percentage Rate. Annual percentage rates, terms, and availability may differ based on an evaluation of credit. Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply.
** 72-month term only available for vehicles over $15000.
*** 78-month term only available for vehicles over $15000
**** 84-month term only available for vehicles over $35000.

Used Auto

TermBeginning APR*Payment per $1,000
246.34%$44.43
366.34%$30.54
486.49%$23.67
606.54%$19.54
666.69%$18.11
72**6.74%$16.88
78***6.93%$15.91
84****6.99%$15.04

*APR = Annual Percentage Rate. Annual percentage rates, terms, and availability may differ based upon an evaluation of credit. Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply.
** 72-month term only available for vehicles over $15000.
*** 78-month term only available for vehicles over $15000.
**** 84-month term only available for vehicles over $35000.

ATV / Motorcycle / Jet Ski

TermAPR* as low asPayment Per $1000
36 Months6.70%$30.70
48 Months6.95%$23.88
60 Months7.05%$19.78
66 Months7.19%$18.34
72 Months7.70%$17.33
78 Months7.95%$16.40
*APR = Annual Percentage Rate. Rates quoted are subject to change. Interest rates may be higher based on an evaluation of your credit performance and a down payment may be required.

Recreational Vehicles

Loan TypeTermAPR* as low asPayment per $1,000
Boat
(min $7,500)
475.80%$23.80
Boat
(min $10,000)
726.05%$16.56
Boat
(min $15,000)
846.30%$14.71
Boat
(min $20,000)
1206.80%$11.46
Boat
(min $25,000)
1447.30%$10.39
Boat
(min $35,000)
1808.30%$9.66
Motorhome
(min $7500)
24 - 8410.25%$16.65
Motorhome
(min $25000)
85 - 12010.25%$13.27
Motorhome
($75000 - $150000)
up to 18010.25%$10.80
Travel Trailer / 5th Wheels
(min $4000)
477.05%$24.36
Travel Trailer / 5th Wheels
(min $10000)
727.30%$17.14
Travel Trailer / 5th Wheels
(min $12000)
847.55%$15.31
Travel Trailer / 5th Wheels
(min $15000)
967.80%$13.98
Travel Trailers / 5th Wheels
(min $20000)
1208.05%$12.10
*APR = Annual Percentage Rate. Annual percentage rates, terms and availability may differ based upon evaluation of credit. Rates above are subject to change. Rates are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply.

Open End Loans

Loan TypeAnnual Percentage RateDetails
Access Line of Creditas low as 11.80%This APR will be based on your creditworthiness
Penalty fees:
Late Charge – 5% of amount
Overdraft Advance – $4.00
How we will calculate your balance: We will use a balance computation method called “daily balance”. See your Account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
Late Charge: If your installment payment is more than 30 days late, you will be charged a fee of 5% of the payment due.
Overdraft Advance: You will be charged $4.00 for an overdraft advance.
Collections Charge: You promise to pay all costs of collecting the amount you owe under this agreement, including court cost and reasonable attorney fees up to 33%.
Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the rate that you qualify for.
Annual percentage rates, terms and availability may differ based upon evaluation of credit.

Other Loans

Loan TypeTerm / DetailsAPR* as low as
Personal Loan6011.80%
Share SecuredAPR will be 2.5% over the rate of the Share Account being offered as security
Certificate SecuredAPR will be 2.5% over the rate of the Certificate being offered as security
*Annual percentage rates (APR) quoted are subject to change. Interest rates may be higher based on an evaluation of your credit performance and a down payment may be required.
Penalty fees:
Late Charge - 5% of amount
Overdraft Advance - $4.00
Skip Payments - $30.00
How we will calculate your balance: We will use a balance computation method called "daily balance". See your Account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
Share Secured: The annual percentage rate (APR) for Share Secured advances will be the dividend rate being paid on Shares (Index) on the date of the advance, plus a margin of 2.50%. The rates are subject to change on the day the dividend rate being paid on Shares changes. The APR will never be less than 2.50%. The APR will never be greater than 18.00%. Any increase in the APR will result in higher payments.
Certificate Secured: The Annual Percentage Rate (APR) for Certificate Secured advances will be the dividend rate being paid on Certificates (Index) offered as security, plus a margin of 2.50%. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. The APR will never be less than 2.50%. The APR will never be greater than 18.00%. Any increase in the APR will result in higher payments.
Late Charge: If your installment payment is more than 30 days late, you will be charged a fee of 5% of the payment due.
Overdraft Advance: You will be charged $4.00 for an overdraft advance.
Collections Charge: You promise to pay all costs of collecting the amount you owe under this agreement, including court cost and reasonable attorney fees up to 33%.
Skip Payments: For qualifying members, you may apply for a skip at any time during the year with a maximum of 2 skips per 12 months. However, finance charges (interest) will continue to accrue during those months. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the rate that you qualify for.