{"id":63,"date":"2009-03-28T15:13:56","date_gmt":"2009-03-28T21:13:56","guid":{"rendered":"http:\/\/www.nettfcu.com\/?page_id=63"},"modified":"2026-03-08T08:59:22","modified_gmt":"2026-03-08T14:59:22","slug":"rates-2","status":"publish","type":"page","link":"https:\/\/www.nettfcu.com\/?page_id=63","title":{"rendered":"Rates"},"content":{"rendered":"

Rates Effective: January 20, 2026<\/span><\/span><\/strong><\/p>\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Auto Purchase Loan Rate<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Loan
\nType<\/span><\/span><\/strong><\/td>\n		\n

Term<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

APR*<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

New Autos <\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

3.4%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

New Autos <\/span><\/span><\/td>\n\n

72 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

3.9%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used Vehicle – 2026-2027<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

3.4%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used Vehicle – 2025 – 60 months<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

3.4%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used Vehicle – 2024 – 60 months<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

4.95%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used Vehicle – 2023 – 60 months<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

5.95%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used Vehicle – 2022 & Older – 60 months<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

6.9%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Vehicles over 90k miles<\/span><\/span><\/td>\n\n

42 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

6.9%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Recreational Vehicles<\/span><\/span><\/strong>
\n<\/span><\/span><\/strong><\/p>\n

(RV’s,Travel Trailers, Motorcycles, ATV’s, Jet Skis, Boats, Equipment)<\/span><\/span><\/strong><\/td>\n<\/tr>\n

New<\/span><\/span><\/td>\n\n

36 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

4.95%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

New<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

5.95%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

New <\/span><\/span><\/td>\n\n

84 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

6.95%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used RV 2022 & Newer<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

6.15%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used RV 2021 & Older<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

6.25%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used RV 2021 & Newer<\/span><\/span><\/td>\n\n

84 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

6.90%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

New Ag Equipment<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

6.50%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Used Ag Equipment<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

6.90%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Secured Loans<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Share Secured<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

3.90%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Certificate Secured (See Below)<\/span><\/span><\/td>\n\n

12 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

Dividend
\nRate + 2.00%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Miscellaneous Secured<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

7.90%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Unsecured Loans<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Unsecured<\/span><\/span><\/td>\n\n

–<\/span><\/span><\/p>\n<\/td>\n

\n

13.30%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Signature<\/span><\/span><\/td>\n\n

12 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

8.99%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Signature<\/span><\/span><\/td>\n\n

36 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

13.00%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Signature<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

14.00%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Signature – Derogatory<\/span><\/span><\/td>\n\n

12 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

18.00%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

MoneyLine (Line of Credit)<\/span><\/span><\/td>\n\n

–<\/span><\/span><\/p>\n<\/td>\n

\n

11.30%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Visa\u2122 and MasterCard\u2122<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Classic ($300-$5,000)<\/span><\/span><\/td>\n\n

–<\/span><\/span><\/p>\n<\/td>\n

\n

12.90%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Gold ($5,000-$15,000)<\/span><\/span><\/td>\n\n

–<\/span><\/span><\/p>\n<\/td>\n

\n

12.50%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Secured (Minimum $300)<\/span><\/span><\/td>\n\n

–<\/span><\/span><\/p>\n<\/td>\n

\n

10.00%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

\n\n\n\n\n\n\n\n
\n

Land\u00a0Loans<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Home Improvement<\/span><\/span><\/td>\n\n

60 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

7.90%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

In-House 10yr Balloon<\/span><\/span><\/td>\n\n

Up
\nto 12 mos.<\/span><\/span><\/strong><\/p>\n<\/td>\n

\n

7.00%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

In-House 10yr<\/span><\/span><\/td>\n\n

–<\/span><\/span><\/p>\n<\/td>\n

\n

7.50%<\/span><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

Note: <\/span><\/span><\/strong>All of the above mortgage loans can be amortized for up to 30 years. <\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

*Annual percentage rates are based on credit scores. Rates may vary up to 18%. Rates are subject to change daily.<\/span><\/span><\/strong><\/p>\n

The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security (index) plus the percentage shown in the \u201c% above index\u201d column above.\u00a0 The Certificate must be renewed until the advance is completely paid.\u00a0 Failure to renew will result in default under the Plan.\u00a0 When the Certificate is renewed the APR will change to reflect the new dividend rate.\u00a0 Any increase in the APR will result in more payments of the same amount until what you owe has been repaid.\u00a0 The present APR will be disclosed on the voucher at the time of the advance.<\/p>\n

LATE FEE:\u00a0 If any payment is made more than 10 days after it is due, you may be charged a late fee of 20% of the interest due or a minimum of $15.00.<\/p>\n

FILING FEE:\u00a0 You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral.\u00a0 The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a perfected lien on your property.<\/p>\n","protected":false},"excerpt":{"rendered":"

Rates Effective: January 20, 2026 Auto Purchase Loan Rate Loan Type Term APR* New Autos 60 mos. 3.4% New Autos 72 mos. 3.9% Used Vehicle – 2026-2027 60 mos. 3.4% Used Vehicle – 2025 – 60 months 60 mos. 3.4% Used Vehicle – 2024 – 60 months 60 mos. 4.95% Used Vehicle – 2023 – 60 months 60 mos. 5.95% Used Vehicle – 2022 & Older – 60 months 60 mos. 6.9% Vehicles over 90k miles 42 mos. 6.9% Recreational Vehicles (RV’s,Travel Trailers, Motorcycles, ATV’s, Jet Skis, Boats, Equipment) New 36 mos. 4.95% New 60 mos. 5.95% New 84 mos. 6.95% Used RV 2022 & Newer 60 mos. 6.15% Used RV 2021 & Older 60 mos. 6.25% Used RV 2021 & Newer 84 mos. 6.90% New Ag Equipment 60 mos. 6.50% Used Ag Equipment 60 mos. 6.90% Secured Loans Share Secured 60 mos. 3.90% Certificate Secured (See Below) 12 mos. Dividend Rate + 2.00% Miscellaneous Secured 60 mos. 7.90% Unsecured Loans Unsecured – 13.30% Signature 12 mos. 8.99% Signature 36 mos. 13.00% Signature 60 mos. 14.00% Signature – Derogatory 12 mos. 18.00% MoneyLine (Line of Credit) – 11.30% Visa\u2122 and MasterCard\u2122 Classic ($300-$5,000) – 12.90% Gold ($5,000-$15,000) – 12.50% Secured […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":20,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-63","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.nettfcu.com\/index.php?rest_route=\/wp\/v2\/pages\/63","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nettfcu.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nettfcu.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nettfcu.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nettfcu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=63"}],"version-history":[{"count":50,"href":"https:\/\/www.nettfcu.com\/index.php?rest_route=\/wp\/v2\/pages\/63\/revisions"}],"predecessor-version":[{"id":823,"href":"https:\/\/www.nettfcu.com\/index.php?rest_route=\/wp\/v2\/pages\/63\/revisions\/823"}],"wp:attachment":[{"href":"https:\/\/www.nettfcu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=63"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}