Loan Rates

Vehicle Loan Rates

Loan Types Amount Limit Repayment Term APR
Auto/Truck/Boat/Cycle/ATV 100% 1 to 24 Months 3.25%1
Auto/Truck/Boat/Cycle/ATV 100% 25 to 36 Months 3.75%1
Auto/Truck/Boat/Cycle/ATV 100% 37 to 48 Months 4.25%1
Auto/Truck/Boat/Cycle/ATV 100% 49 to 60 Months 4.75%1
Auto/Truck/Boat/Cycle/ATV 100% 61 to 72 Months 5.25%1
Variable New/Used Auto 100% 72 Months 4.00% (Rate Changes Quarterly with a floor of 4.00%)
Auto Balloon 100% 48 Months 6.99%
New/Used Hybrid Auto Loan 100% 84 Months .5% Reduction on Any Fixed Rate Auto Loan Product
New Mobile Home 100% 180 Months 11.50%
Used Mobile Home 80% 84 Months 12.50%

New and Used RV

  • Rates as low as 4.75%, down payments as low as 5%

Auto Balloon Loan

  • 48-month auto loan with a fixed rate at 6.99%
  • Loan calculated/amortized on 120-month term (10 years)
  • After 48-month term ends, you can pay off the remaining balance or refinance

For further assistance on specific vehicles and applying for a loan, please call our Lending Department at 1-800-336-0284

1 No Existing NAPUS FCU vehicle or boat loans will be refinanced at these rates.

Credit Card Rates

Credit Card Type Amount Limit APR Annual Fee
Visa Classic $10,000 11.90% None
Visa Gold $15,000 10.90% None
Visa Platinum $25,000 8.90% None
Visa Signature No pre-set spending limit 8.70% None
Student Visa Card $10,000 8.00% None

Fees Applicable to All Visa Cards

  • Minimum Finance Charge: None
  • Transaction Charges: None
  • Cash Advance Fee: None
  • Late Payment Fee: $30.00
  • Visa Automatic Payment Return Fee: $30.00
  • Balance Transfer Fee: None

Other Loan Rates

Calculate your monthly payments with our online Consumer Loan Calculator. For further assistance on specific loans or applying for a loan, please call our Lending Department at 1-800-336-0284.

Loan Type Amount Limit Repayment Term APR
The Great Outdoors Loan and Adventure $15,000 60 Months 6.90% SALE!!
New Year New You Loan $10,000 76 Months 7.60%
Intro Rate Unsecured LOC $15,000 9 Months 2.75% Reverts to Prime plus 1% after 9 months (floor of 4.00%)
Signature Loan $5,000 24 Months 5.90%
Signature Loan $10,000 36 Months 6.90%
Signature Loan $20,000 60 Months 8.90%
Signature Loan $25,000 84 Months 10.90%
Express Money Loan $15,000 Open-end Line of Credit 9.90%
Share Secured Loan Up to 144 months Securing ShareRate + 3%
Overdraft Line of Credit $1,000 Open-end Line of Credit 15.00%
Pay Day Loan $1,500 3 Months 18.00%