NGCU will be Closed for Juneteenth on Wednesday, June 19.
Due to scheduled maintenance, online banking and debit card services will be unavailable from Saturday, June 15, at 10:00 PM to approximately 5:00 AM on Sunday, June 16.

Loan Rates

Effective July 27, 2023. Rates subject to change.

Loan Type Annual Percentage Rate*
New Autos – 0-42 Months
New Autos – 43-72 Months
6.75%
7.00%
Used Autos – 0-42 Months
Used Autos – 43-72 Months
6.75%
7.00%
All Other Used Autos
7-10 Years Old – Up to 36 Months
10 Years Plus – Up to 24 Months
9.90%
Motor Homes
0-5 Years – Up to 60 Months
5-8 Years – Up to 48 Months
7.90%
Motorcycles/ATVs
0-5 Years – Up to 48 Months
5-8 Years – Up to 36 Months
7.90%
Boats/Watercraft
0-5 Years – Up to 48 Months
5-8 Years – Up to 36 Months
7.90%
Campers
0-5 Years – Up to 48 Months
5-8 Years – Up to 36 Months
7.90%
Machinery & Equipment 7.90%
Household Goods – Up to 48 Months 7.90%
Mobile Homes
0-5 Years – Up to 84 Months
5-8 Years – Up to 60 Months
8 Years Plus – Up to 48 Months
7.90%
Personal
>$5,000 – Up to 48 Months
<$5,000 – Up to 36 Months
10.90%
Share Secured
>$10,000 – Reasonable
>$5,000 – Up to 48 Months
<$5,000 – Up to 36 Months
6.00% If secured by a CD,
rate on collateral plus 2%
First Mortgage – 30 Years
Fixed Rate with 5-Year Balloon**
6.90%
Second Mortgage – 15 Years
Fixed Rate with 5-Year Balloon**
8.50%
HELOC – 5-Year Draw Period with a 15-Year Payment Period – Variable Rate*** 8.50%

*Actual rate will be determined by credit score.

**Interest rate is fixed only for 5-year period.

***Variable rate moves in accordance with the prime lending rate as published in the Wall Street Journal.

NGCU may be able to match or beat competitors’ rates.