New Branch in Prosper, TX
†Rates and terms subject to change based on market conditions. Rates are based on loan term, age of vehicle, borrower eligibility, credit review and market conditions. The maximum interest rate is 18.00% APR, and minimum loan amount is $10,000. No more than $50,000 loan amount for an auto refinance, with interest calculated according to simple interest for a term between one and 72 months.
Offer limited to the refinance of auto loans from other lenders. Auto loans currently with Neighborhood Credit Union are not eligible for offer. Eligible approved applicants will be offered either an APR that is lower than their current rate or $100 will be deposited into the membership savings account within 30 days of application request. Verification of current APR must be provided. Title fees apply to refinances. Rate floor applies as defined by Neighborhood Credit Union. Offer subject to change and termination without notice. We reserve the right to end the promotion at any time without notice.
‡Must be 18 years or older. Credit qualifications and application required. Rates subject to change. To be eligible for 120 Days No Payments applicant must have a credit score of 700 or above.
Interest begins accruing the day the loan is funded. Offer valid for a limited time only. Does not apply to vehicles currently financed through Neighborhood Credit Union.
1APY = Annual Percentage Yield. Kasasa Cash qualifications that must be met to obtain the 1.25% APY and ATM Withdrawal Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have at least one (1) automatic ACH payment or direct deposit post and settle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle (Qualification cycle = one day before beginning of statement cycle through one day before end of statement cycle. Statement cycle = first day of month through last day of month.) If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $20 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 1.25%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 1.25% to 0.55% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Fees may reduce earnings (see fee schedule). Limit one account per household.
²APR based on creditworthiness. Rates are subject to change. APR will vary and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 2% of total new balance or $18.00, whichever is greater. Cash advance fee is $10 or 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Additional limitations, terms and conditions may apply. View the Rewards Guide to Benefits.