Make your home truly yours. A new pool, paint job, patio… whatever the home improvement project, we’re ready to help with financing that’s built around your plans.
Make Those Home Improvements Happen
No Equity Loan
Whether it’s as small as a new paint job or as big as renovating your basement, put your plan into action — no equity needed.Apply Online
Energy Efficiency Loan
Spend a little green to improve your home’s efficiency now — and save plenty on your energy bills down the line.*Apply Online
Home Heating Loan
Keep your home warm and cozy this winter while saving money with a home heating loan to pre-buy your oil for the season.Apply Online
Home Improvement Loan Rates
|Loan Type||Term||APR As Low As||Payment Per $1000|
|Home Heating Loan||Up to 12-Months||4.69%||$85.90|
|No Equity Loan||Up to 60-Months||6.69%||$20.86|
|Energy Efficiency Loan||Up to 84-Months||2.00%||$12.78|
Rates effective as of January 29, 2023
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).