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Home Improvement Loan Rates
Home Heating Loan
| Term | APR As Low As | Payment Per $1000 | Description |
|---|---|---|---|
| Up to 12-Months | 4.69% | $85.90 | $1,000 Minimum/$5,000 Maximum |
Rates effective as of January 29, 2023
Energy Efficient Loan
| Term | APR As Low As | Payment Per $1000 | Description |
|---|---|---|---|
| Up to 84-Months | 2.00% | $12.78 | Must get approval by Electric company. $15,000 Maximum |
Rates effective as of January 29, 2023
No Equity Loan
| Term | APR As Low As | Payment Per $1000 | Description |
|---|---|---|---|
| Up to 60-Months | 6.69% | $20.86 | $1000 Minimum/$60,000 Maximum |
| Term | APR As Low As | Payment Per $1000 | Description |
|---|---|---|---|
| Up to 84-Months | 7.69% | $16.71 | $1000 Minimum/$60,000 Maximum |
Rates effective as of January 29, 2023
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Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.
1. Rates include 0.10% discount for having a checking account with NECU, plus 0.10% discount for payments made through payroll deduction or automatic funds transfer from another NECU account, plus 0.10% discount for having an active NECU VISA credit card. Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.
2. The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example is 60 monthly payments of $21.60 per $1,000.00 borrowed.
$1,000 loan with a rate of 4.69% APR for 12 months. Monthly payment is approximately $85.90. Total finance charge is $25.52 (includes debt protection).
The Energy Efficient Loan is intended for energy efficient improvements to your home, including electric heat pumps, weather stripping, electric/solar water heaters, insulation, windows, doors, and other solar or energy star related items. Minimum amount that can be borrowed is $1000, with maximum of $15,000, this loan is not tied to the home's equity. Must provide the EE Loan Authorization form from the utility company. Checks payable to Contractor listed on EE form and member. No other rate discounts apply.