- Online Loan Application
- Printable Loan Application

Disclosures, VISA Classic, VISA Gold, HELOC 1 & HELOC 2 - Apply over the phone at 1-888-577-4215
- Loan Calculator

Auto Loans as low as 3.25% APR*

*APR= Annual Percentage Rate. Rates determined by member’s credit score, term of loan and age of vehicle. Quoted rate is based on a 36 month term. Other great rates and terms available. Rates subject to change without notice. The monthly payment per $1,000 borrowed at 3.25% for 60 months is $17.64.

- Automatic payment transfer (discount .25%)
- 20% down payment on vehicle loan (discount .25%)
- Share draft checking account or VISA card (discount .25%)
- Maximum discount .75%

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 $395 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 November 8, 2018

Rates are subject to change without notice.

Signature Loans as low as 8.75% APR*

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. 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 8.75% for 2 years is $45.57.

- Automatic payment transfer (discount .25%)
- Share draft account or VISA card (discount .25%)
- Maximum discount .50%

Variable Rate Loans

### Overdraft Protection

- 3.75% APR* Above Index
- Rate: 9.50% APR

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.

### Stock Secured

Only stock traded on the New York, American or over the counter exchange will be accepted. The maximum loan is 70% of the stock value.

## Stock Secured Rates

### General Information

- Completed application from each applicant
- Proof of income may be required.
- 2 year tax return for self-employed
- A signed contract by applicant (s) before funds can be disbursed
- Proper identification is required for your protection
- Vehicle applications should be accompanied by a copy of the dealer purchase order or a description of the vehicle
- Written proof of insurance at time of loan disbursement
- Collateral must be insured for collision and comprehensive coverage
- Single and joint life and disability insurance available at an addition premium
- Total indebtedness per member is limited to $750,000.00
- Late charge is 10% of the payment or $25.00, whichever is greater and a Returned Payment Fee of $32.00 if your loan payment is returned unpaid for any reason. There is a $10.00 minimum deposit to open an account.

*LTV = Loan to value

Rates valid for 45 days from date of application.

Maximum loan to value is 80%. Offer valid for purchases and refinances. CT properties only. All rates and terms 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 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.** Your rate will be determined by your credit score and loan to value. Maximum loan to value is 90%. 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 10/01/2018, the Prime Rate was 5.25%. 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 6.00% 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 subject to change without notice. Other rates and terms available. Payment method example: $10,000 X .0450/365 X 31 days= $38.22 per month.