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.
Effective Date: 1/01/2017
Loan Type
Term
Rate As Low As
New/Used Autoup to 24 Months2.00% APR*
New/Used Autoup to 36 Months2.25% APR*
New/Used Autoup to 48 Months2.50% APR*
New/Used Autoup to 60 months2.75% APR*
New/Used Autoup to 72 Months3.75% APR*
New/Used Autoup to 84 Months4.50% APR*
Antique/Classic Autoup to 48 Months6.25% APR*


Start Me Up Auto Promotion


Start Me Up Auto Promotion - Promotion through March 31, 2017 - This program is designed to provide qualified members 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 $20,000 for a maximum term of 60 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.

Refi My Ride Promotion - Refinance Special

Members can refinance vehicle loans up to 2% APR* lower than current rates they have elsewhere. Rates and terms are based on evaluation of applicant's credit and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to credit approval. All loans must be transferred from another financial institution and be in good standing for at least six consecutive months. Rates will be reduced up to 2% APR, but will be no lower than 2.00% APR. Call toll free (800) 824-3610 for complete details. 

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.
Effective 1/1/2017
Loan Type
Term
Rate As Low As
New/Used Motorcycleup to 48 Months5.00% APR*
New/Used Motorcycleup to 60 Months
5.25% APR*

Recreational Vehicles

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. 
Effective 1/1/2017

Loan Type
Term
Rate As Low As
New/Used RVup to 60 Months4.75% APR*
New/Used RVup to 84 Months
5.25% APR*
New/Used RVup to 120 Months
5.75% APR*
New/Used RVup to 180 Months
6.25% APR*

Boat, Motor and Trailer Rates

New: Up to 100% financing of the Purchase Price.
Used: Up to 100% financing of the Retail Price.
Effective 1/1/2017

Loan Type
Term
Rate As Low As
New/Used up to 60 Months2.99% APR*
New/Used up to 84 Months
3.50% APR*
New/Used

New/ Used
up to 120 Months

up to 144 Months
4.25% APR*

4.75% APR*
New/Usedup to 180 Months5.75% APR*


Farm Equipment

Up to 100% financing with approved credit.
Effective 1/1/2017


Loan Type
Term
Rate As Low As
New/Used up to 48 Months6.50% APR*
New/Used up to 60 Months
6.75% APR*

Personal Consumer Loan Rate


Effective 1/1/2017

Loan Type
Term
Rate As Low As
Home Improvement
up to 60 Months7.25% APR*
Home Improvement
up to 84 Months
7.75% APR*
Personal Loansup to 60 Months
8.95% APR*
Overdraft Protection up to 12 Months
9.75% APR*

Visa®Rates

Effective 1/1/2017

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

Mortgage Rates 

Effective 1/1/2017

Loan Type
Term
Rate As Low As
First Mortgage - Fixed Rate
up to 80% of Value for up to 15 yearsCall for Rate
First Mortgage - Fixed Rate
up to 80% Value for up to 20 years
Call for Rate
First Mortgage -Variable Rateup to 80% Value for up to 30 yearsCall for Rate
First Mortgage- 5 year fixed/20 year variableup to 80% Value for up to 30 yearsCall for Rate
First Mortgage - 10 year fixed/20 year variableup to 80% Value for up to 30 yearsCall for Rate
Undeveloped Property- Fixed Rateup to 75% of Value for up to 120 MonthsCall for Rate
Undeveloped Property - Variable Rateup to 75% of Value for up to 120 MonthsCall for Rate

Home Equity Rates

Effective 1/1/2017

Loan Type
Term
Rate As Low As
Home Equity Line of Credit (Variable Rate)
up to 100% of Value for up to 180 MonthsCall for Rate***
Home Equity Loan (Fixed Rate) 
up to 90% of Value for up to 60 Months
4.75% APR*
Home Equity Loan (Fixed Rate) up to 90% of Value for up to 120 Months 5.25% APR*
Home Equity Loan (Fixed Rate) up to 90% of Value for up to 180 Months 6.00% APR*
Home Equity Loan (Fixed Rate) up to 100% of Value for up to 60 Months5.75% APR* 
Home Equity Loan (Fixed Rate) up to 100% of Value for up to 120 Months6.25% APR* 
Home Equity Loan (Fixed Rate)  up to 100% of Value for up to 180 Months 6.75% APR*
*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. Contact a New Horizons Personal Financial Specialist for details. For comparison purposes, a 2017 model year auto for $20,000 at a term of 36 months and at a 2.25% APR* would have 36 recurring payments of $575.03. New Horizons Credit Union is an Equal Housing Lender.
** An example of a repayment: 48 monthly payments of $27.83 per $1,000 borrowed.
*** For variable HELOC, the maximum annual percentage rate shall not exceed 18.00% APR*.