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 AS OF AUGUST 2024.
(Displays normal rates. Check our Promotions Page for loan specials!)
| Type | APR* as low as |
|---|---|
| New Car (not registered) | 5.49%* |
| Used Car | 5.99%* |
| Special Vehicles | 7.24%* |
| RV | 8.24%* |
Unsecured Loans
ALL RATES ARE ACCURATE AND EFFECTIVE AS OF AUGUST 2024.
(Displays normal rates. Check our Promotions Page for loan specials!)
| Type | APR* as low as |
|---|---|
| Personal Loan | 10.44% |
| Xchex (Overdraft Line of Credit) New Accounts | 13.99% |
| Xchex (Overdraft Line of Credit) Current Accounts | 11.99% |
VISA® Card
ALL RATES ARE ACCURATE AND EFFECTIVE AS OF AUGUST 2024.
| Type | APR* |
|---|---|
| VISA® Rewards | 14.99% |
| VISA® Platinum | 13.99% |
| VISA® Credit-Builder | 14.99% |
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)