Current Loan Rates for Natco Members

Rates effective as of May 9, 2023

TypeTermAs Low As
Vehicle loans – new or usedVaries4.31% APR*
Boats and motor homesVaries5.77% APR*
Personal loansVaries8.99% APR*
Personal line of credit***Based on prime +/- margin12.25% APR*
FREEDOM FastVaries21.00% APR*
Fixed Rate Home equity loan program **5 year draw, 10 year amortized repayment period8.25% APR*
Variable Rate Home equity loan program **
open-end variable rate lines of credit based on prime +/- margin
10 year draw, 15 year repayment period8.25% APR*
Secured Visa Credit Card22.70% APR*
Simple Visa Credit Card13.70% – 24.70% APR*
Rewards Visa Credit Card15.70% – 25.00% APR*

*APR is the Annual Percentage Rate.
Terms and conditions are subject to change without notice.
Subject to credit approval.
Rate may vary based on individual creditworthiness.

**Rates vary according to the market based on Prime Rate.
Minimum Annual Percentage Rate (floor rate) is 8.25% APR for all variable rate loans.
Maximum APY is Based on prime +/- margin.

***Rates vary according to the market based on Prime Rate.
Minimum Annual Percentage Rate (floor rate) is 12.25% APR* for all variable rate loans.
Maximum APY is Based on prime +/- margin.

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