Current Rates

At NEFCU, we offer a full range of quality products and services designed to meet virtually any financial need. Whether you’re in the market for a low-rate mortgage, or a high-yield checking account, you’ll soon discover that our rates are some of the best around.



1 APY = Annual Percentage Yield. Must meet account qualifications to earn APY. Limited to one per member. Click here for account details.

2 APR = Annual Percentage Rate. Rates shown are the lowest rates offered for the advertised product. Applicants who are not approved at these rates may be offered a higher rate. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved. Subject to the VISA Advantage terms and conditions and VISA Signature Elite terms and conditions. Please refer to your VISA Signature Benefits Guide for full details on your benefit program. All loans are subject to credit approval.

3 APR = Annual Percentage Rate. 0.99% APR is fixed for the first 6 months. Rate floor is the Prime Rate, currently 3.25%. Rates are based on the Prime Rate published in the Wall Street Journal plus a margin of up to 2.5%. Any changes to the Prime Rate within the month as published in the WSJ will result in a change to a borrower's rate effective the first of the following month. Rate will revert to as low as Prime once the 6 month introductory period has expired. Rates shown are the lowest rates offered for the advertised product. Not all applicants may qualify for a special introductory rate; applicants who have previously received an introductory rate on a NEFCU Home Equity Line of Credit do not qualify for this offer. Applicants who are not approved at these rates may be offered a higher rate. The maximum APR imposed under the plan will not exceed 18%.

4 APR = Annual Percentage Rate. Rates shown are the lowest rates offered for the advertised product. Applicants who are not approved at these rates may be offered a higher rate. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved.