Mobile Banking

 

Auto Loan Rates

NEW AND USED AUTOS – Model Years 2013 – 2017

Terms up to 84 Months

Borrower Level Annual Percentage Rate (APR) Loan to Value
  Level A+ 2.90% 115% of HBB + Tax & License
Level A 3.40% 115% of HBB + Tax & License
Level B 3.90% 115% of HBB + Tax & License
Level C 4.99% 110% of HBB + Tax & License
Level D 7.99% 110% of HBB + Tax & License
Level E 14.95% 100% of HBB

 

Consumer Loan Rate Disclosure

 

USED AUTOS – Model Years 2011 – 2012; New Motorhomes, Boats, Motorcycles, Trailers 

Terms up to 72 Months

Borrower Level Annual Percentage Rate (APR) Loan to Value
  Level A+ 3.90% 110% of HBB + Tax & License
Level A 4.40% 110% of HBB + Tax & License
Level B 4.90% 110% of HBB + Tax & License
Level C 5.50% 105% of HBB + Tax & License
Level D 8.90% 100% of HBB + Tax & License
Level E 15.50% 90% of HBB

 

Consumer Loan Rate Disclosure

 

USED AUTOS – Model Years 2006 – 2010; Used Motorhomes up to 10 Years Old, Boats, Motorcycles, Trailers 2010 – 2017

Terms up to 60 Months

Borrower Level Annual Percentage Rate (APR) Loan to Value
  Level A+ 4.90% 100% of HBB + Tax & License
Level A 5.90% 100% of HBB + Tax & License
Level B 6.90% 100% of HBB + Tax & License
Level C 7.90% 100% of HBB + Tax & License
Level D 10.90% 100% of HBB + Tax & License
Level E 17.90% 100% of HBB

 

Consumer Loan Rate Disclosure

Loan terms are not guaranteed, and may be restricted based on: credit history, collateral age, or condition, etc.

*Applicant must already be, or become a member of Northern Redwood FCU. To become a member you must open a Membership Savings Account with a minimum deposit of $5.00. You must live, work, or worship in Humboldt County to be eligible for membership.

 

Real Estate Loans

Northern Redwood FCU works closely with Community Mortgage Funding to bring you a range of mortgage services. Community Mortgage Funding provides lending on:

  • Conventional Mortgages
  • VA Mortgages
  • FHA Mortgages

For more information contact a Member Services Representative at (707) 822-5902.

Current Mortgage Loan Rates

 

Unsecured / Signature Loans

Limits up to $20,000

Terms up to 60 Months

 

Borrower Level FICO Score Annual Percentage Rate (APR)
 Level A+  800+  5.40%
Level A 750 – 799 6.90%
Level B 700 – 749 8.90%
Level C 650 – 699 9.90%
Level D 600 – 649 12.90%
Level E Below 600 17.90%

 

 

 

 

 

 

 

 

VISA

Borrower Level FICO Score Annual Percentage Rate (APR) Maximum Limit
Level A+ 800+ 11.90% $20,000
Level A 750 – 799 13.90% $20,000
Level B 700 – 749 14.90% $10,000
Level C 650 – 699 16.90% $7,500

 

 

 

 

 

 

 

Share Secured VISA

 Level A+ 7.90% APR
Level A 9.90% APR
Level B 10.90% APR
Level C 12.90% APR

 

 

 

 

 

Share Secured Loans

+2.00%   Maximum Term 36 Month (Share/CD Pledged 115% of loan)

+3.00%   Maximum Term 60 Months

Certificate Secured Loans

+2.00%   Maximum Term-life of Certificate

 

 


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