Your savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States goverenment. National
Credit Union Administration, a U.S. Government Agency.
Community Federal Credit Union
We do business in accordance with
the Federal Fair Housing Law and
the Equal Credit Opportunity Act.
NCFCU Loan Rates
See Complete Disclosure Information for Truth in Lending and Open and Closed End Credit Agreements
Subaccount Description
Annual Percentage Rate*
NEW Auto, Motorcycle
NEW Boat, Travel Trailer, Camper and RVs
USED Auto, Motorcycle
USED Boat, Travel Trailer, Camper and RVs
Share & Share Certificate Secured**
Line of Credit
Unsecured Closed End
Overdraft Line of Credit Protection (Advances in $50 increments)
4.95 - 12.45%
5.95 - 16.45%
5.95% - 12.95%
Collection Costs:
You agree to pay all costs of collecting the amount you owe under this agreement to the extent permitted
by state law.
Late Fee:
You promise to pay a late fee of $15.00 if your payment is 10 or more days overdue.
Rates subject to change.
Call to confirm rates shown.
Vehicle Loans
New Auto Loan Rate Information
The credit union makes loans for new and used vehicles. The loan may be financed up to 6 years if the amount
borrowed is over $12,000.00. If borrowing over $20,000.00 you may extend financing to 7 years. Financing on
used vehicles is determined by the loan and retail values according to the NADA blue book.
Pre-Approved Financing
Apply for your loan before you begin shopping for your car. Call the credit union and we can take the application
over the phone and most of the time we will have an answer the same day as to the amount of loan you qualify
for.
Used Vehicles (up to 5 years)
Financing on used vehicles is determined by the loan and retail values according to the NADA blue book. Term of
financing is determined by the year of the car.
Pre-Approved Financing
Apply for your loan before you begin shopping for your car. Call the credit union and we can take the application
over the phone and most of the time we will have an answer the same day as to the amount of loan you qualify
for.
Recreational Vehicles, Boats, Motor and Trailer
Financing on new motor homes can be up to 100%. On used motor homes the financing amount can be up to
retail value according to NADA values.
New boats financed up to 100% of the purchase price. Used boats financed up to NADA Retail value.
Secured Loans
A way to borrow money pledging your shares at a lower interest rate when the member does not wish to take
the money out of their savings. When pledged as collateral, the savings balance is maintained in an amount at
least equal to the declining loan balance.
Share Secured
A way to borrow money pledging your certificate at a lower interest rate when the member does not wish to
take the money out of certificate. When pledged as collateral, the certificate balance is maintained in an
amount at least equal to the declining loan balance.
Certificate Secured
Up to 100% financing on the home equity of your home, fixed interest rate, low fees with a 5,10 or 15 year
payback. Use the equity in your home to borrow money for a variety of purposes and possibly receive a tax
break too. (The interest paid on a home equity loan may be tax deductible). Call for current rate.
Home Equity loan applications cannot be submitted electronically.
Home Equity
Other Loans
Available both as regular installment loans and as lines of credit. An installment personal loan is based on a
single loan advance and can be financed for up to three years. A line of credit is a revolving loan. Money can
be drawn as needed. The balance can be paid down and then drawn up again. Maximum personal limit is
$10,000.00.
Personal Loan
On Share Draft (Checking) Accounts
To give you that added cushion in your share draft (checking) for overdraft protection. A $500.00
overdraft loan is available.
* The Annual Percentage Rate (APR) you receive for these subaccounts will be within the
ranges disclosed above and is based on your creditworthiness. Please see a loan officer to
determine the rate for which you qualify.
** Certificate must be renewed until loan is paid in full.
Overdraft Protection
15.00%
8.45% - 16.95%
4.00%
6.95% - 17.45%
9.45% - 16.95%
Whether you are in the market for
a new home or refinancing a
property you already own, We
have partnered with PIVOT
Lending Group to offer mortgage
products to meet your needs.
PIVOT Lending offers
personalized, professional, and
local service. As an owner of the
credit union, your best interests
are always in mind. Mortgage
services include:
•
Low or no down payment
requirements
•
Most Conventional loans
serviced by the same folks at
PIVOT!
•
Potential tax deduction on
interest paid
•
Loan counseling by trained,
professional mortgage
personnel working for you
•
No prepayment penalties
•
Conventional, FHA, VA and
USDA
Apply online today.
