Current Loan Rates for Natco Members

Rates effective as of January 1, 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 +/- margin11.50% APR*
FREEDOM FastVaries21.00% APR*
Home equity loan program **
H.E.L.P. loans are open-end variable rate lines of credit
Based on prime +/- margin7.50% APR*
Secured Visa Credit Card21.95% APR*
Simple Visa Credit Card12.95% – 23.95% APR*
Rewards Visa Credit Card14.95% – 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 7.50% 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 11.50% APR* for all variable rate loans.
Maximum APY is Based on prime +/- margin.

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