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Quick Link: Rates
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The following rates are effective on September 1, 2010, 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 |
| 2009 and newer | up to $125,000 | up to 36 mos. | 2.64% |
| 2009 and newer | up to $125,000 | 37-63 mos. | 2.99% |
| 2009 and newer | $20,000-$125,000 | 64-72 mos. | 3.64% |
| 2008 and 2007 | up to $125,000 | up to 63 mos. | 2.99% |
| 2008 and 2007 | $20,000-$125,000 | 64-72 mos. | 3.64% |
| 2006 | up to $125,000 | up to 63 mos. | 2.99% |
| 2005 | up to $125,000 | up to 48 mos. | 2.99% |
| 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. | 7.49% |
| Leisure-Time: Used | up to 144 mos. | 7.74% |
| Student Loans Apply Now! | ||
|---|---|---|
| Loan Type | Term | APR* as low as |
| Deferred† Repayment Line of Credit | 20 - 25 Years | 6.00% (LIBOR + 3.69%)†† |
| Personal Signature Loans Apply Now! | ||
|---|---|---|
| Loan Amounts to $30,000 | ||
| Loan Type | Term | APR* as low as |
| Personal/Signature | up to 60 mos. | 12.99% |
| Share Loans Apply Now! | ||
|---|---|---|
| Loan Type | Term | APR* as low as |
| PPMMA Share Secured Loan (variable) | up to 60 mos. | 3.40% |
| PMMA Share Secured Loan (variable) | up to 60 mos. | 3.35% |
| Share Secured (variable) | up to 60 mos. | 3.15% |
| 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. | 4.99% |
| 10 Years (up to 85% LTV) | 120 mos. | 6.74% |
| 15 Years (up to 85% LTV) | 180 mos. | 7.24% |
| 20 Years (up to 85% LTV) | 240 mos. | 7.74% |
| 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 1.99%3until 2011, then as low as Prime or 4.00%4 |
| NASA Federal VisaApply Now! | ||||
|---|---|---|---|---|
Interest Rates and Interest Charges | ||||
| Visa Platinum CURewards Variable Rate | Visa Platinum CashRewards Variable Rate | |||
| Annual Percentage Rate (APR)** For Purchases | 9.9% to 17.99% when you open your account, based on your creditworthiness. | 13.9% to 17.99% when you open your account, based on your creditworthiness. | ||
After that, your APR will vary with the market based on the Prime Rate. | ||||
| APR For Balance Transfers | 9.9% - 17.99% | 13.9% - 17.99% | ||
This APR will vary with the market based on the Prime Rate. | ||||
| APR For Cash Advances | 11.9% - 17.99% | 15.9% - 17.99% | ||
This APR will vary with the market based on the Prime Rate. | ||||
| Penalty APR and When it Applies | 18.00% How Long Will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. | |||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest in purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. | |||
| Minimum Interest Charge | None | |||
| Maximum Limit Amount | $30,000 | $30,000 | ||
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. | |||
| Fees | ||||
| Annual Fee | None | |||
Transaction Fees |
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| - Balance Transfer | None | |||
| - Cash Advance | 3% of advance ($5 minimum) | |||
| - Foreign Transactions | 1% of transaction amount in U.S. dollars | |||
| Penalty Fees | ||||
| - Late Payment | Up to $35 (Charged if a payment is received more than five (5) days after the payment due date.) | |||
| - Over-the-Credit Limit | None | |||
| - Returned Payment | Up to $35 | |||
| Other Fees | ||||
| - Card Replacement | None (Platinum Rewards); Otherwise, $5 | |||
How We Will Calculate Your Balance: We will use a method called "average daily balance" (including new purchases). See your Account Agreement for more details. Billing Rights: Information on your rights to dispute transactions, and how to exercise those rights is provided in your Account Agreement. | ||||
| Effective Date | August 3, 2010 | |||
| NASA Federal Visa ClassicApply Now! | |||
|---|---|---|---|
Interest Rates and Interest Charges | |||
| Visa Classic | |||
| Annual Percentage Rate (APR)** For Purchases | 12.9% to 17.99% when you open your account, based on your creditworthiness. | ||
| APR For Balance Transfers | 12.9% - 17.99% | ||
| APR For Cash Advances | 14.9% - 17.99% | ||
| Penalty APR and When it Applies | 18.00% How Long Will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. | ||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest in purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. | ||
| Minimum Interest Charge | None | ||
| Maximum Limit Amount | $10,000 | ||
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. | ||
| Fees | |||
| Annual Fee | None | ||
| Transaction Fees | |||
- Balance Transfer | None | ||
| - Cash Advance | 3% of advance ($5 minimum) | ||
| - Foreign Transactions | 1% of transaction amount in U.S. dollars | ||
| Penalty Fees | |||
| - Late Payment | Up to $35 (Charged if a payment is received more than five (5) days after the payment due date.) | ||
| - Over-the-Credit Limit | None | ||
| - Returned Payment | Up to $35 | ||
| Other Fees | |||
| - Card Replacement | None (Platinum Rewards); Otherwise, $5 | ||
How We Will Calculate Your Balance: We will use a method called "average daily balance" (including new purchases). See your Account Agreement for more details. Billing Rights: Information on your rights to dispute transactions, and how to exercise those rights is provided in your Account Agreement. | |||
| Effective Date | August 3, 2010 | ||
* Annual Percentage Rate (APR) is based on evaluation of applicant's credit. Your actual APR may vary.
** APR may vary based on credit history. Your APR for purchases is the U.S. Prime Rate plus a margin. Your APR for purchases will not be more than 18.00%. Your APR for cash advances and convenience checks will be modified to equal your purchase rate plus 2% (not to exceed 18.00%).
*** Prime Rate = 3.25% as of 9/1/10 as published in the Wall Street Journal.
^APR may vary based on credit history. Your APR for cash advances and convenience checks will be modified to equal your purchase rate plus 2% (not to exceed 18.00%).
Refinance of NASA Federal Credit Union fixed-rates loans permitted by adding 1.00% to the current rate.
†Deferment is up to 60 months plus 6 months after the date of graduation/separation.††1-Month London Interbank Offered Rate (LIBOR) as of August 26, 2010 is 0.26%. 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 September 1, 2010, 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 6 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. 4.00% Floor Rate regardless of a temporary lower Prime Rate.
4 Variable rate as low as Prime. 4.00% Floor Rate regardless of a temporary lower Prime Rate.
