Established in 1925!

Main Office Building

Consumer Loan Rates


Equal Housing Opportunity       NCUA

As of June 1, 2017

Loan Type Maximum Term A.P.R.* Payment per $1000
Auto Loans
New 60 Months 1.99% to 7.49% $17.53-$20.05
New 72 Months 2.49% to 7.99% $14.97-$17.54
Used: 2011-2017 60 Months 2.49% to 7.99% $17.75-$20.28
Used: 2011-2017 72 Months 2.99% to 8.49% $15.20 to $17.79%
Used: 2010 & older 48 Months 2.49% to 7.99% $21.92-$24.42
Motorcycle Loans
New 60 Months 2.99% to 7.49% $17.97 to $20.05
Used 60 Months 3.49% to 7.99% $18.19 - $20.28
Watercraft Loans
New 60 Months 6.50% to 12.00% $19.58 - $22.26
Used 60 Months 7.00% to 12.50% $19.81 - $22.52
Camper / Trailer Loans
New 120 Months 6.50% to 12.00% $11.36 - $14.36
Used Up to 120 Months 7.00% to 12.50% $11.62 - $ 14.65
Lawnmower / Tractor Loans
New 36 Months 7.50% to 13.00% $31.12 - $33.72
Used 36 Months 8.00% to 13.50% $31.35 - $33.96
Other Loans
Personal / Signature 36 Months 9.00% to 16.00% $31.81 - $35.18
Line of Credit Up to 24 Months 9.00% to 16.00%
Share or Certificate Secured 3.00% above rate on deposit account
Credit Card
VISA PLATINUM: No Annual Fee – 25 day grace period
9.00% to 16.00%
Mortgage Loans
NPOCU offers several types of Mortgage Loans- First Mortgages, Home Equity Loans and also refinancing of current Mortgage Loans. Please contact the Mortgage Department for current rates or questions.


*A.P.R. is the Annual Percentage Rate.

All rates are subject to change. The loan rate you receive may vary from the quoted rate due to your credit history. Terms may vary. Payment representations do not include optional insurance selections.