Loan Rates
Visit our Promotions Page for the lowest rates available!
Niagara Regional Federal Credit Union offers a wide variety of loans at affordable rates. Are you looking for your first car, a new car or pickup? Are you purchasing or refinancing a home? Do you want to make use of the equity in your home? You can expect all of our lending services to come with the prompt and friendly service you deserve as a member-owner of NRFCU. We think our combination of outstanding service, great rates and convenience just can't be beat!
Online Loan Applications Available
NRFCU Provides Loans for the Following:
Vehicles - New, Used & Special Vehicles*
Personal Loan
Home Equity Line of Credit
Mini Home Equity
Share/Certificate Secured
*Special vehicles = boats, campers, ATV, jet ski, trailers & classic cars.
Auto Loans
ALL RATES ARE ACCURATE AND EFFECTIVE 04/1/2024.
(Displays normal rates. Check our Promotions Page for loan specials!)
| Type | APR* as low as |
|---|---|
| New Car (not registered) | 5.74%* |
| Used Car | 6.24%* |
| Special Vehicles | 7.25%* |
| RV | 6.25%* |
Unsecured Loans
ALL RATES ARE ACCURATE AND EFFECTIVE 04/1/2024.
(Displays normal rates. Check our Promotions Page for loan specials!)
| Type | APR* as low as |
|---|---|
| Personal Loan | 10.20% |
| Xchex (Overdraft Line of Credit) New Accounts | 13.99% |
| Xchex (Overdraft Line of Credit) Current Accounts | 11.99% |
Mini Home Equity Loan (fixed) Promotion
VISA® Card
ALL RATES ARE ACCURATE AND EFFECTIVE 04/1/2024.
this loan will be available for May – June
Amount between $10,000 (minimum) and up to $40,000 (maximum)
Credit Union pays ½ closing costs
App Fee $285 (non-refundable)
Promo Rate for 1 year 5.85%
Thereafter: 6.85% fixed up to 10 years
7.85% fixed up to 15 years.
| Type | APR* |
|---|---|
| VISA® Rewards | 14.99% |
| VISA® Platinum | 13.99% |
| VISA® Credit-Builder | 14.99% |
| VISA® Balance Transfer Promo** | 3.99% for 12 Billing Cycles(When the discounted period expires, the APR will return to the current account rate) |
Deduct .50% for Veterans (not available for mortgage rates)
Deduct .25% for direct deposit (not available for mortgage rates)
Discount exception- No additonal discounts for HELOCs, XChex, or Credit Cards.
The credit union may offer other rates and terms or amend the rates and terms contained in this schedule at any time. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the credit union for complete details.
All rates listed are APR (Annual Percentage Rate)
**Introductory APR is for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will stay at the discounted rate until it is paid off.