Northeast Community Credit Union
Always here when you need us

Serving the needs of Northeast Tennessee since 1952

Loan Rates                                                                                                                                                  

 

During our October anniversary special, deduct .65% APR from all our consumer loan rates including vehicle loans, recreational vehicle loans; farming, residential and agriculture equipment loans, personal loans, and debt consolidation loans. Mortgage and payday loans are not included in the special.

As of 11/14/17

Vehicle Loan Rates

New or Used Cars and Trucks                   As low as

 New & Used

 

During our October anniversary special deduct .65% APR from the following loans:

 

 

Vehicles 10-15 Yrs Old

 

 

 

 

Certain restrictions apply. Terms subject to change without notice. Risk based lending. Rate received based on credit score. Apply online or call today at 423-547-1200.

up to 48 months

up to 60 months

 

up to 72 months

up to 84 months

 

up to 36 months

up to 48 months

up to 60 months

1.65% APR

1.65% APR

 

2.99% APR

3.59% APR

 

3.75% APR

4.56% APR

5.06% APR

 

Mortgage Loan Rates

 

 

Real Estate Loan Rates

All rates subject to change without notice. More rates and terms available. Apply online or call 547-1200 and ask for a loan manager. Private mortgage insurance (PMI) may be required.

 

Fixed Rate First Mortgages

5 Year                       (LTV up to 85%)                          6.00% APR

10 Year                     (LTV up to 85%)                          6.50% APR

15 Year                     (LTV up to 85%)                          7.00% APR

 

Variable Rate First Mortgages

30 Year    Up to 85% LTV              6.00% APR

30 Year    Over 85% LTV               6.00% APR

Variable rate changes every 10 years

 

First Time Home Buyers

15 Year Fixed             100% Financing                        6.50% APR

30 Year Variable         100% Financing                        6.25% APR

Variable rate changes every 10 years

 

Second Mortgages/Home Improvement

10 Year Fixed                                                               7.50% APR

15 Year Fixed                                                               8.00% APR

15 Year/1 Year ARM                                                     7.00% APR

As of 11/14/2017

Rental Home

15 Year/5 Year ARM         Up to $50,000                       6.00% APR

15 Year Fixed                   Up to $50,000                       7.00% APR

 

Land Loan

10 Year Fixed                                                                     6.50% APR

15 Year Variable                                                                 6.25% APR

 

Manufactured Home

15 Year Fixed                                                                    6.50% APR

20 Year Variable                                                                7.00% APR

 

 

Real Estate Loan Rate Index rates based on previous week's 30-year US Treasury Constant Maturity Yield plus an indexed APR (Annual Percentage Rate).

 

 

Risk-based lending applies.

Credit Scores 626-650  Add 1.00% APR

Credit Scores 601-625  Add 1.50% APR

Credit Scores 575-600  Add 2.00% APR

See a loan officer for more details.

 

 

Recreational Vehicle Loan Rates                                                                                                                                                  

During our October anniversary special, deduct .65% APR from the following loans.

As of 11/14/2017

Used Motorcycles                              As low as

 

New Motorcycles                              As low as

 

up to 36 months

up to 48 months

 

4.99% APR

5.99% APR

up to 36 months

up to 48 months

6.99% APR

7.99% APR

New Boat                                           As low as

 

up to 36 months

up to 48 months

up to 60 months

 

4.99% APR

5.99% APR

6.99% APR

Used Boat                                          As low as

 

up to 36 months

up to 48 months

6.95% APR

8.95% APR

Camper/RV                                        As low as

 

up to 24 months

up to 36 months

up to 48 months

up to 60 months

up to 72 months

up to 84 months

up to 96 months

up to 108 months

up to 120 months

up to 144 months

 

6.70% APR

6.95% APR

7.19% APR

7.19% APR

7.70% APR

7.70% APR

7.95% APR

7.95% APR

8.20% APR

8.20% APR

 

Consumer Loan Rates                                                                                                                                                  

 

As of 11/14/2017

During our October anniversary special, deduct .65% APR from the following loans. Payday loans are not included.

 

Personal Loan 10.19% APR

 

Share Secured Loan 3.20% APR

CD Rate plus 2%

 

Payday Alternative Loan (PAL)

 

Ranges are listed for existing rates in each category as of date

shown above. Certain qualifications must be met to obtain credit.

Call or visit one of our loan officers to find out more about eligibility, costs that can be associated with obtaining credit, daily rates and other loan information.

 

 

 

Certain restrictions apply. Terms subject to change without notice.

Apply online or call any office.

 

Farming, Agriculture, & Residential Equipment Loan Rates

As of 11/14/2017

During our October anniversary special, deduct .65% APR from the following loans.

 

Loans for farming, agriculture & residential use may have extended terms up to a maximum of 12 years.

Loans under $10,000 have a maximum of 6 year financing

Loans over $10,000 have a maximum of 12 year financing

 

Term                      As low as

2 years

3 years

4 years

5 years

6 years

7-12 years

 

 

 

3.99% APR

4.49% APR

4.99% APR

5.49% APR

5.99% APR

6.99-9.99% APR

Debt Consolidation Loan Rates

During our October anniversary special, deduct .65% APR from the following loans.

 

By consolidating your bill payments into one, you eliminate debt by combining all your bills and paying them off with one loan. With a debt consolidation loan, you make only one monthly payment — a good idea for when you have five, or maybe even 10 separate payments for credit cards, medical bills, etc. If you consolidate all bills into one, you will be surprised to see how much money you will have extra in your pocket each month, and how much you could possibly save over time. Any savings could be used to start an emergency fund to help prevent a future financial crisis.

 

 

Term                      As low as

12 months

24 months

36 months

48 months

60 months

72 months

84 months

7.99% APR

8.99% APR

9.99% APR

10.99% APR

11.99% APR

12.99% APR

13.99% APR

As of 11/14/2017

  Lost VISA Debit Card: 1-800-472-3272, then call us at 423-547-1200

 

  Lost VISA Credit Card: 1-800-558-3424, then call us at 423-547-1200

ABA / Routing #  264278827

NMLS #520867

 

Equal Housing Opportunity Member NCUA

Rates subject to change without notice

Certain Restrictions Apply

 © 2008 Northeast Community Credit Union

 

  Your Insured Shares:

Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. The NCUSIF is backed by the full faith and credit of the United States government. Your money is safe with us.