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Current Loan Rates

Effective October 1, 2014
ALL RATES SUBJECT TO CHANGE DAILY

An original credit application must be accompanied by the most recent original pay stub for applicants, co-applicants, and co-makers. Norristown Bell Credit Union has the right to request additional documentation to substantiate loan application requests such as complete tax returns or proof of payment.

***All rates assume automatic payment, otherwise rate will be increased by .50%***

TYPE OF LOAN 12 mos. 24 mos. 36 mos. 48 mos. 60 mos.
Personal Loan
(up to $10,000/Individual or $20,000/Co-Applicant)
6.49% APR
6.49% Rate
6.49% APR
6.49% Rate
6.49% APR
6.49% Rate
6.74% APR
6.74% Rate
6.74% APR
6.74% Rate
Personal Fully Secured By Shares 1.80% APR
1.80% Rate
1.80% APR
1.80% Rate
1.80% APR
1.80% Rate
1.80% APR
1.80% Rate
1.80% APR
1.80% Rate
Extended Warranty Loan APR
Rate
2.50% APR
2.50% Rate
APR
Rate
APR
Rate
APR
Rate
Personal Loan Secured By Car Title 2.99% APR
2.99% Rate
2.99% APR
2.99% Rate
2.99% APR
2.99% Rate
3.99% APR
3.99% Rate
5.99% APR
5.99% Rate
NADA TRADE IN VALUE – Vehicles must be 2009 or newer to qualify and have a clear car title.


*** 12 Month Loan Special at 6.25% APR  6.25% Rate Maximum amount $5,000.00***

Loan Security:

All Loans, with the exception of loans secured by shares, require a pledge of $200 or 10% of the loan amount whichever is less. This pledge is held for the life of the loan.

Fully Secured:

Loans secured by shares (savings) in the Credit Union, or shares pledged by another member will be held for the full loan amount for the life of the loan.

Personal Line of Credit:

Variable Rate Based on Prime Rate plus 3.00% APR Rate
Maximum Credit Limit $10,000.00
Floor rate 9.90% APR  9.90% Rate


TYPE OF LOAN 24 mos. 36 mos. 48 mos. 60 mos. 72 mos. 84 mos. **
New Car & New Motorcycle
      ( 100% FINANCING) 1.99% APR
1.99% Rate
1.99% APR
1.99% Rate
1.99% APR
1.99% Rate
1.99% APR
1.99% Rate
2.99% APR
2.99% Rate
4.24% APR
4.24% Rate
      ( 80% FINANCING) 1.99% APR
1.99% Rate
1.99% APR
1.99% Rate
1.99% APR
1.99% Rate
1.99% APR
1.99% Rate
2.99% APR
2.99% Rate
4.24% APR
4.24% Rate
**Loan amount must be greater than $15,000.00


TYPE OF LOAN 24 mos. 36 mos. 48 mos. 60 mos. 72 mos. **
Used Car & Used Motorcycle
      (NADA RETAIL VALUE) 1.99% APR
1.99% Rate
1.99% APR
1.99% Rate
2.99% APR
2.99% Rate
2.99% APR*
2.99% Rate
2.99% APR*
2.99% Rate
Used Cars and Motorcycle must be 2010 or newer to qualify for Used Auto Loan 
**Vehicle must be 2 years or newer for the 72 month term.



TYPE OF LOAN 12 mos. 24 mos. 36 mos. 48 mos.
Older Used Car & Used Motorcycle
      (NADA RETAIL VALUE) 6.25% APR
6.25% Rate
6.25% APR
6.25% Rate
6.50% APR
6.50% Rate
6.99% APR
6.99% Rate
Rates apply to Used Cars and Motorcycles between 2008 and 2009


TYPE OF LOAN UP to 60 mos. 61 to 120 mos. 120 to 180 mos.
Mobile Home Loans - Require 20% Down
      NEW OR USED 8.00% APR
8.00% Rate
8.00% APR
8.00% Rate
8.00% APR
8.00% Rate


TYPE OF LOAN UP to 84 mos. 85 to 120 mos.
Boats & Recreational Vehicles
      NEW 4.99% APR
4.99% Rate
4.99% APR
4.99% Rate


TYPE OF LOAN 36 mos. 48 mos. 60 mos. 72 mos. 84 mos.
Boats & Recreational Vehicles
      USED 7.99% APR
7.99% Rate
7.99% APR
7.99% Rate
7.99% APR
7.99% Rate
7.99% APR
7.99% Rate
7.99% APR
7.99% Rate

Debt Assistance Loan:

24 month term only - 14.15% APR 14.15% Rate
Maximum loan amount $10,000.00

VISA -  9.90% APR 9.90% Rate

* APR IS THE ANNUAL PERCENTAGE RATE *

NOTE: Final loan term approval will be at the discretion of the loan review team
On all vehicle loans, a copy of the SALE AGREEMENT must be attached to the application.

All titles will be secured.

 
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Phone: (610) 275-8440 | Toll Free: (800) 996-2328 | ART: (610) 275-6445 | Visa Lost/Stolen: (800) 299-9842 | ATM-Debit Card Lost/Stolen: (800) 523-4175
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