Loan Rates | Numerica Credit Union

Current Rates

Accurate as of 01/14/20
Rates are subject to change without notice and subject to credit approval.
APR = Annual Percentage Rate
Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate advertised.

Auto	Fixed Rate APR
New & Used Autos/Trucks	3.24%* to 17.90%
*Rates reflect possible .50% discount based on services used

Auto

Fixed Rate APR

New & Used Autos/Trucks

3.24%* to 17.90%

*Rates reflect possible .50% discount based on services used

Recreational	Fixed Rate APR
Boats & RVs	4.74%* to 17.90%
Motorcycles, Jet Skis, Watercraft, Snowmobiles, ATVs	4.99%* to 17.90%
*Rates reflect possible .50% discount based on services used

Recreational

Fixed Rate APR

Boats & RVs

4.74%* to 17.90%

Motorcycles, Jet Skis, Watercraft, Snowmobiles, ATVs

4.99%* to 17.90%

*Rates reflect possible .50% discount based on services used

Home Equity Lines of Credit	Variable Rate APR
Home Equity	5.00%* to 10.50%	up to 90% LTV
*Rates reflect possible .50% discount based on services used
Terms Rates, terms and conditions are subject to change without notice. HELOC rate based on prime rate plus margin from .25% to 5.75%, with relationship discounts. Prime assessed quarterly. Closing costs typically limited to appraisal for HELOC HELOC has a repayment period up to 15 years with a 10-year draw period that is interest payments only Rates for investment property are 2% higher than the published rate for the HELOC and subject to all fees and costs No annual fee HELOC variable rate will not exceed 18% APR and will not be lower than 2.99% APR, rates may change quarterly

Home Equity Lines of Credit

Variable Rate APR

Home Equity

5.00%* to 10.50%

up to 90% LTV

*Rates reflect possible .50% discount based on services used

Terms

Rates, terms and conditions are subject to change without notice.
HELOC rate based on prime rate plus margin from .25% to 5.75%, with relationship discounts. Prime assessed quarterly.
Closing costs typically limited to appraisal for HELOC
HELOC has a repayment period up to 15 years with a 10-year draw period that is interest payments only
Rates for investment property are 2% higher than the published rate for the HELOC and subject to all fees and costs
No annual fee
HELOC variable rate will not exceed 18% APR and will not be lower than 2.99% APR, rates may change quarterly

Home Equity Loan	Fixed Rate APR
Fixed Rate Home Equity Loan 5 Years Payment example: 60 monthly payments of $195.64 at 6.49% per $10,000 borrowed.	6.49% to 10.49%	up to 90% LTV
Fixed Rate Home Equity Loan 7 Years Payment example: 84 monthly payments of $150.91 at 6.99% per $10,000 borrowed.	6.99% to 10.99%	up to 90% LTV
Terms Rates, terms and conditions are subject to change without notice. Closing costs typically range from $250 - $1,000. Rate applies to 1^st or 2^nd position Home Equity Loans.

Home Equity Loan

Fixed Rate APR

Fixed Rate Home Equity Loan

5 Years

Payment example: 60 monthly payments of $195.64 at 6.49% per $10,000 borrowed.

6.49% to 10.49%

up to 90% LTV

Fixed Rate Home Equity Loan

7 Years

Payment example: 84 monthly payments of $150.91 at 6.99% per $10,000 borrowed.

6.99% to 10.99%

up to 90% LTV

Terms

Rates, terms and conditions are subject to change without notice.
Closing costs typically range from $250 - $1,000. Rate applies to 1^st or 2^nd position Home Equity Loans.

Visa^® Cards	Variable Rate APR
Visa Platinum	Purchase Rate: 9.49%* to 17.90%* Cash Advance Rate: 12.49% to 17.90%
*Rates reflect a .25% relationship discount
Visa Luna^® For cards opened after 7/16, the $29 annual fee may be waived with annual net purchases of at least $10,000.	Purchase Rate: 13.49% to 17.90% Cash Advance Rate: 17.90% to 17.90%
	Fixed Rate APR
Secured Visa	17.90%

Visa^® Cards

Variable Rate APR

Visa Platinum

Purchase Rate: 9.49%* to 17.90%*
Cash Advance Rate: 12.49% to 17.90%

*Rates reflect a .25% relationship discount

Visa Luna^®

For cards opened after 7/16, the $29 annual fee may be waived with annual net purchases of at least $10,000.

Purchase Rate: 13.49% to 17.90%
Cash Advance Rate: 17.90% to 17.90%

Fixed Rate APR

Secured Visa

17.90%

Other Loans	Fixed Rate APR
Signature Loans	9.49% to 17.90%
Certificate Secured	3.00% over dividend rate
Repayment Period up to term of Certificate on certificate secured loan. Certificate secured up to available balance
	Variable Rate APR
Personal Line of Credit	9.25% to 17.75%
Rate based on prime rate plus margin from 4.5% to 13% Prime assessed quarterly Note: there are no relationship discounts on this product
Share Secured	3.00% over dividend rate

Other Loans

Fixed Rate APR

Signature Loans

9.49% to 17.90%

Certificate Secured

3.00% over dividend rate

Repayment Period up to term of Certificate on certificate secured loan.
Certificate secured up to available balance

Variable Rate APR

Personal Line of Credit

9.25% to 17.75%

Rate based on prime rate plus margin from 4.5% to 13%
Prime assessed quarterly
Note: there are no relationship discounts on this product

Share Secured

3.00% over dividend rate

Rates

Current Rates

Today's Rates

Home Equity Line of Credit

Certificates

Visa Rates

Auto/Truck (New/Used)

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