Payment Protection:
Credit Life and Disability Insurance
Enjoy a worry-free loan at NOFFCU with Credit Life and Credit Disability Insurance. Credit Insurance can be purchased on most loans, and the monthly premium is included in your monthly loan payments. Credit Life and Credit Disability payment protection is a solid value. It relieves loan payment worries and protects your loan collateral and credit rating. Should you die or become disabled by a covered accident or illness, the payment protection removes the repayment burden from your family.

All Rates are As Low as...

Summer Loan Special

• 7.9% for 6 months ($170.53 per $1,000 borrowed)

• 8.9% for 12 months ($87.41 per $1,000 borrowed)

• 9.9% for 18 months ($60.01 per $1,000 borrowed)
  

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Personal Loans

• Up to $20,000
• Borrow for almost any purpose with various repayment terms up to 48 months.
• 11.90% APR*
  (48 payments at 11.90% = $26.28 per $1,000 borrowed)

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Guaranteed Personal Loans

• Up to $10,000
• Secured by guarantor and/or acceptable collateral with repayment terms up to 48 months.
• 18.00% APR*
  (48 payments at 18.00% = $29.38 per $1,000 borrowed)

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EZ Line of Credit

Currently 8.50% APR**

**Subject to credit qualifications. Variable annual percentage rate tied to Wall Street Prime plus applicable margin adjustable on a monthly
basis. No other NOFFCU discounts apply.

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Tuition Lines of Credit

• $500 to $20,000
• More borrowing capacity - borrow the money you need for ALL your education expenses.
• Open End Line of Credit with fixed payment schedule
• 7.90% APR*

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Boat Loans

• Up to $30,000 with 60 month financing
• To purchase new boat, motor and trailer (as a complete unit) for recreational purposes only.
• New Boats Only - 6.90% APR*
  (60 payments at 6.90% = $19.76 per $1,000 borrowed)

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Recreational Vehicle (R.V.) Loans

• NEW RV LOANS:
  • Up to 100% MSRP
  • 5.99% APR* Up to 60 Mo. .
    (60 Payments at 5.99% = $19.34 per $1,000 borrowed)
  • 6.99% APR* >60 months and Up to 120 Mo.**
    (120 Payments at 6.99% = $11.61 per $1,000 borrowed)
    
• USED RV LOANS
  • Up to 100% Retail Value or Appraised Value as Applicable*
  • 6.99% APR* Up to 60 Mo. .
    (60 Payments at 6.99% = $19.80 per $1,000 borrowed)
  • 7.99% APR* >60 months and Up to 120 Mo.**
    (120 Payments at 7.99% = $12.14 per $1,000 borrowed)
    
    **(Loan amount must be $20,000 or more)

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Motorcycle Loans

• New Motorcycles: -Up to $30,000 with 60 month financing
  • 6.90% APR*
  • Up to 100% MSRP
  • (60 payments at 6.90% = $19.76 per $1,000 borrowed)
• Used Motorcycles: Up to 100% NADA Retail with 48 Month financing
  • 7.90% APR*
  • (48 payments at 7.90% = $24.37 per $1,000 borrowed)

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Share Pledge Loans

• Loans secured by applicable shares on deposit with the credit union. Loan interest rate is 2.25% up to 60 months
• Loans secured by qualified Certificates of Deposit. Loan interest rate is 2% above the rate earned on the related deposit account up to 60 months.

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*APR = Annual Percentage Rate - Rates subject to credit and collateral qualifications