Featured Rates


Auto Rates

Up to 100% financing with approved credit up to MSRP for New Autos and up to 100% NADA Retail on Used Autos. Other conditions and restrictions may apply. Terms and rates are based on an evaluation of applicant's credit and may vary.

Loan Type Term Rate As Low As
New/Used Auto up to 24 Months 1.99% APR*
New/Used Auto up to 48 Months 1.99% APR*
New/Used Auto up to 66 Months 2.24% APR*
New/Used Auto up to 72 months 2.49% APR*
New/Used Auto up to 78 Months 2.74% APR*
New/Used Auto
up to 84 Months 3.74% APR*
Classic Auto**
up to 24 Months
6.49% APR*

**Other conditions and restrictions may apply. For a limited time, qualifying members may elect to have "No Payment for 90 Days" with new or used auto loans. Existing NHCU auto loans do not qualify for this limited time special. All loans subject to credit approval. Credit Union reserves the right to terminate offer at any time. All rates subject to change. With the no payment for 90 days, interest will accrue from the date of contract. Call toll free 1-800-824-3610 for details on the limited time, no payment for 90 day option.


Start Me Up Auto Promotion


This program is designed to provide qualified members, wishing to establish or re-establish credit, that have a New Horizons Checking Account the opportunity to borrow at an affordable interest rate to purchase a vehicle. Maximum loan amount is up to $25,000 for a maximum term of 78 months. This promotion is ideal for members with no or limited credit or want to start over. For details on the Start Me Up Promotion, contact the Credit Union at (800) 824-3610. This program is for a limited time and subject to change, please contact the Credit Union directly for most current information.

Motorcycle & ATV Rates 

Up to 100% financing with approved credit and up to 100% of Purchase Price for New and up to 100% of NADA Retail on Used.

Loan Type Term Rate As Low As
New/Used Motorcycle up to 48 Months 3.38% APR*
New/Used Motorcycle

New/Used ATV

New/Used ATV
 

up to 66 Months

Up to 36 Months

Up to 40 Months
3.63% APR*

2.99% APR*

3.24% APR*

Apply for a motorcycle loan!


Recreational Vehicles (RVs, Campers, Golf Carts, & Enclosed Trailers)

New: Up to 100% financing with approved credit up to $100,000 purchase price and up to 90% if over $100,000 purchase price not to exceed $200,000.
Used: Up to 100% financing with approved credit not to exceed $200,000.
Loan Type Term Rate As Low As
New/Used RV up to 66 Months 3.24% APR*
New/Used RV up to 78 Months
3.79% APR*
New/Used RV
New/Used RV
up to 90 Months
up to 120 Months
4.04% APR*
4.29% APR*
New/Used RV
New/Used RV
up to 144 Months
up to 180 Months
4.54% APR*
4.79% APR* 


Boat, Motor and Trailer Rates

New: Up to 100% financing of the Purchase Price.
Used: Up to 100% financing of the Retail Price.
Loan Type Term Rate As Low As
New/Used up to 66 Months 2.89% APR*
New/Used up to 84 Months
4.49% APR*
New/Used

New/ Used
up to 120 Months

up to 144 Months
4.89% APR*

5.24% APR*
New/Used up to 180 Months 6.74% APR*

Farm Equipment

Up to 100% financing with approved credit.
Loan Type Term Rate As Low As
New/Used up to 84 Months 4.24% APR*


Apply for farm equipment loan! 


Personal/Signature Consumer Loan Rate

Loan Type Term Rate As Low As
Personal/Signature Loans up to 24 Months
6.48% APR*
Other rates & terms available

Visa®Rates

Loan Type Term Rate As Low As
Visa ® Classic
Revolving
10.50% APR*
Visa ® Gold
Revolving
8.90% APR*

Mortgage Rates & Home Equity

For more information regarding mortgages, home equity, and home equity lines of credit (HELOC)***, please click here.


Secured Loans


This program allows you to use your own funds to secure a loan. These are loans with a Share (savings) or Certificate Account used as collateral. Interest rate is as low as 4.00% Annual Percentage Rate above the posted Dividend Rate earned on the Shares or Certificate Account. 



*APR = Annual Percentage Rate. NMLS# 401405. Rates and terms are based on an evaluation of applicant's credit and may vary. Other conditions and restrictions may apply. All loans subject to credit approval. Other rates and terms available based on credit history, equity in home, and length of loan. All rates are subject to change. Contact a New Horizons Personal Financial Specialist for details. For comparison purposes, a 2018 model year auto for $20,000 at a term of 48 months and at a 1.99% APR* would have 48 recurring payments of $433.82. New Horizons Credit Union is an Equal Housing Lender.
***For variable HELOC, the maximum annual percentage rate shall not exceed 18.00% APR*.