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Current Loan Rates
Effective
May 1, 2013
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) |
6.99% APR
6.99% Rate |
6.99% APR
6.99% Rate |
6.99% APR
6.99% Rate |
6.99% APR
6.99% Rate |
6.99% APR
6.99% 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) |
2.99% APR
2.99% Rate |
2.99% APR
2.99% Rate |
2.99% APR
2.99% Rate |
2.99% APR
2.99% Rate |
3.74% APR
3.74% Rate |
5.24% APR
5.24% Rate |
| (
80% FINANCING) |
2.99% APR
2.99% Rate |
2.99% APR
2.99% Rate |
2.99% APR
2.99% Rate |
2.99% APR
2.99% Rate |
3.74% APR
3.74% Rate |
5.24% APR
5.24% 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) |
2.99% APR
2.99% Rate |
2.99% APR
2.99% Rate |
3.99% APR
3.99% Rate |
3.99% APR
3.99% Rate |
3.99% APR
3.99% Rate |
Used Cars and Motorcycle must be
2009 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
2007 and 2008 |
| 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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