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Quick Link: Rates
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The following rates are effective on November 1, 2009, and subject to change without notice. For updated information, inquire at any branch office or contact 301-249-1800. For additional detail, please see our Loan Reference Guide. |
| Auto LoansApply Now! | |||
|---|---|---|---|
| New/Used/Refinance Calculators | |||
| Model Year | Loan Amount | Term | APR* as low as2 |
| 2008 and newer | up to $125,000 | up to 36 mos. | 3.60% |
| 2008 and newer | up to $125,000 | 37-63 mos. | 3.95% |
| 2008 and newer | $20,000-$125,000 | 64-72 mos. | 4.45% |
| 2007 and 2006 | up to $125,000 | up to 63 mos. | 3.95% |
| 2007 and 2006 | $20,000-$125,000 | 64-72 mos. | 4.45% |
| 2005 | up to $125,000 | up to 63 mos. | 3.95% |
| 2004 | up to $125,000 | up to 48 mos. | 3.95% |
| The model year changes yearly on January 1. | |||
| Leisure-Time Vehicles Apply Now! | ||
|---|---|---|
| Motorcycles/RV/Boat
Loan Amounts to $125,000 Calculators |
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| Loan Type | Term | APR* as low as |
| Leisure-Time: New | up to 144 mos. | 8.00% |
| Leisure-Time: Used | up to 144 mos. | 8.24% |
| Student Loans Apply Now! | ||
|---|---|---|
| Loan Type | Term | APR* as low as |
| Deferred† Repayment Line of Credit | 20 - 25 Years | 6.00% (LIBOR + 3.69%)†† |
| Educational Loans Apply Now! | ||
|---|---|---|
| Loan Amounts to $20,000 | ||
| Loan Type | Term | APR* as low as |
| Pre-school to Grade 12 | 12 mos. | 7.25%(Prime*** + 4.00%) |
| College / Vocational School | up to 144 mos. | 7.25%(Prime*** + 4.00%) |
| Personal Signature Loans Apply Now! | ||
|---|---|---|
| Loan Amounts to $30,000 | ||
| Loan Type | Term | APR* as low as |
| Personal/Signature | up to 60 mos. | 9.99% |
| Share Loans Apply Now! | ||
|---|---|---|
| Loan Type | Term | APR* as low as |
| PPMMA Share Secured Loan (variable) | up to 60 mos. | 3.75% |
| PMMA Share Secured Loan (variable) | up to 60 mos. | 3.65% |
| Share Secured (variable) | up to 60 mos. | 3.50% |
| Certificate Loan | Term of Certificate | Certificate Rate + 3.00% |
| CashLine Apply Now! | |
|---|---|
| Loan Amounts to $20,000 | |
| Loan Type | APR* as low as |
| CashLine of Credit | 8.25%(Prime*** + 5.00%) |
| Home Equity Loans1 Apply Now! | ||
|---|---|---|
| Loan Amounts to $250,000 | ||
| Loan Type | Term | APR* as low as** |
| 5 Years (up to 85% LTV) | 60 mos. | 4.74% |
| 10 Years (up to 85% LTV) | 120 mos. | 5.74% |
| 15 Years (up to 85% LTV) | 180 mos. | 6.24% |
| 20 Years (up to 85% LTV) | 240 mos. | 6.74% |
| Home Equity Line of Credit1 Apply Now! | ||
|---|---|---|
| Loan Type | Term | APR* as low as |
| Adjustable Prime Equity Plan (Home Equity LOC) | 240 mos. | Intro Rate 4.74%3for 36 months, then as low as Prime or 4.00%4 |
| NASA Federal VisaApply Now! | ||||
|---|---|---|---|---|
| Visa Platinum CURewards | Visa Platinum cashRewards | Visa Classic | ||
| Annual Percentage Rate For Purchases (APR)** | 9.9% - 17.99% | 13.9% - 17.99% | 12.9% - 17.99% | |
| Annual Percentage Rate For Cash Advances (APR)** | 9.9% - 17.99% | 13.9% - 17.99% | 12.9% - 17.99% | |
| Annual Percentage Rate For Balance Transfers (APR) | 9.9% - 17.99% | 13.9% - 17.99% | 12.9% - 17.99% | |
| Maximum Limit Amount | $50,000 | $50,000 | $10,000 | |
| Annual Fee | None | |||
| Grace Period For Repayment Of The Balance For Purchases | You have 25 days to repay your balance before being charged a finance charge. | |||
| Method Of Computing The Balance For Purchases | Average Daily Balance | |||
| Minimum Finance Charge | None | |||
| Transaction Fee For Purchases | None | |||
| First Credit VisaApply Now! | ||
|---|---|---|
| First Credit Visa | ||
| Annual Percentage Rate For Purchases (APR)** | 0% Introductory APR for the first 6 billing cycles the account is open, then 12.9% | |
| Annual Percentage Rate For Cash Advances (APR)** | 0% Introductory APR for the first 6 billing cycles the account is open, then 12.9% | |
| Annual Percentage Rate For Balance Transfers (APR) | 0% Introductory APR for the first 6 billing cycles the account is open, then 12.9% | |
| Maximum Limit Amount | $500 | |
| Annual Fee | None | |
| Grace Period For Repayment Of The Balance For Purchases | You have 25 days to repay your balance before being charged a finance charge. | |
| Method Of Computing The Balance For Purchases | Average Daily Balance | |
| Minimum Finance Charge | None | |
| Transaction Fee For Purchases | None | |
| NASA Federal Visa Fees | |
|---|---|
| Balance Transfer: | None |
| Cash Advance: | 3% of Advance ($5.00 minimum) |
| Card Replacement: | None (Platinum Rewards). Otherwise: $5.00 |
| Late Payment: | $20.00 |
| Over Limit: | $20.00 |
| Returned Check: | $29.00 |
| Foreign Transactions: | 1% of transaction amount |
*Annual Percentage Rate.
** Annual Percentage Rate APR is based on evaluation of applicant's credit. Your actual APR may vary. Subject to change at any time without notice.
*** Prime Rate = 3.25% as of 7/1/2009 as published in the Wall Street Journal.
†Deferment is up to 60 months plus 6 months after the date of graduation/separation.
††1-Month London Interbank Offered Rate (LIBOR) as of October 23, 2009 is 0.24%. Floor rate is 6.00% regardless of lower LIBOR.
1 Cooperative homes and condos not eligible for either NASA Federal equity programs.
2 Annual Percentage Rate as of November 1, 2009, subject to change at any time without notice. Includes an additional .25% reduction in APR for automated repayment and an additional .25% discount for active checking with direct deposit of at least $1,000 per month. APR is based on evaluation of applicant’s credit. Your actual APR may vary.
3Annual Percentage Rate for the first 36 billing cycles. Upon expiration of the intro rate, all balances will accrue interest at the variable APR in effect for your account. APRs are based on evaluation of the applicant's credit. Your APR may vary. Other conditions apply.
4 Variable rate as low as Prime. 4.00% Floor Rate regardless of a temporary lower Prime Rate.
Refinance of NASA Federal fixed-rate loans permitted by adding 1.00% to current rate. Subject to change at any time without notice.
NASA Federal Credit Union is an Equal Housing Lender.
©2009 NASA Federal Credit Union. All Rights Reserved.
