Loan Rates

REAL ESTATE LOANS

Loan Type:	Payment Example Per $1,000 Financed:	Min. Loan:	Terms:	APR*
Home Equity Line of Credit (HELOC)	$6.04	$25,000	25 Years	As Low As 7.250%^
Secondary Residence & Investment Property HELOC**	$7.29	$25,000	25 Years	As Low As 8.750%^^
Home Equity Loan (Fixed Rate, Fixed Payment)	$19.10	$25,000	5 Years	As Low As 5.500%*
Home Equity Loan (Fixed Rate, Fixed Payment)	$11.04	$25,000	10 Years	As Low As 5.875%*
Home Equity Loan (Fixed Rate, Fixed Payment)	$8.51	$25,000	15 Years	As Low As 6.125%*
Home Equity Loan (Fixed Rate, Fixed Payment)	$8.64	$25,000	20 Years	As Low As 6.375%*

Loan Disclosures:

*APR = Annual Percentage Rate.

^The APR is a variable rate based on a margin tied to the Wall Street Journal Prime Rate. The lowest possible margin is Prime minus .750%. As of 9/19/2024, the Prime Rate was 8.000%. The maximum combined (existing mortgage loan balance plus HELOC limit) loan-to-value is 80%. Rate and maximum loan-to-value is based on credit worthiness. No application fee, no closing costs, no annual fee. However, third party fees may need to be reimbursed if the loan is closed within the first 12 months of origination. Home equity and HELOCs are available on Connecticut properties only. Program, rates, terms, and conditions are subject to change without notice. Other terms and conditions may apply.

^^The APR is a variable rate based on a margin tied to the Wall Street Journal Prime Rate. The lowest possible margin is Prime plus 0.750%. As of 9/19/2024, the Prime Rate was 8.000%. The maximum combined (existing mortgage loan balance plus HELOC limit) loan-to-value is 70%. Rate and maximum loan-to-value is based on credit worthiness. No application fee, no closing costs, no annual fee. However, third party fees may need to be reimbursed if the loan is closed within the first 12 months of origination. Home equity and HELOCs are available on Connecticut properties only. Program, rates, terms, and conditions are subject to change without notice. Other terms and conditions may apply.

**Secondary Residence & Investment Property must be titled under an individual(s).

CONSUMER LOANS

Loan Type:	APR *
New Vehicle^	As low as 5.49%**
Used Vehicle - Ask about a FREE CARFAX Report!^	As low as 5.74%**
Refinanced Vehicles^	As low as 5.74%**
Used Vehicle - 6 Model Years & Older^	As low as 6.99%**
Toy Loan^^^	As low as 8.99%**
Signature Loan ($500 up to $15,000)	As low as 10.99%**
Share Secured Loan	5.50%
Overdraft Line of Credit - Monthly Payments will be the greater of $50.00 or 5% of the unpaid balance. Calculated on the last advance prior to the billing notice.	12.00%
VISA CARDS - Fixed Rate:
Platinum Visa Credit Cards First Time Qualified Applicants: Introductory Platinum VISA Credit Card Rate	9.99% 2.99% Introduction rate is for a period of six billing cycles. After, your APR will be 9.99%.
Classic VISA Credit Cards	14.00%**
Share Secured VISA	18.00%**

APPLICATION AND SOLICITATION DISCLOSURE
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE
CREDIT CARD ACCOUNT OPENING DISCLOSURE

Loan Disclosures:
* APR=Annual Percentage Rate.
** That APR is the Credit Union's current rate as of September 19, 2024. Qualification is based on an assessment of individual credit worthiness and our underwriting standards. Not all applicants will qualify. All Credit Union rates, programs, terms, and conditions are subject to change at any time without notice. Rates are based on the term and credit worthiness. "As low as" rate reflects the shortest term and the Credit Union's highest Credit Rating. Maximum amount a member can borrow for a Signature loan is $15,000. Call us at (860) 496-7326 for current rates, terms and conditions.
^ Offer does not apply to refinancing of existing NWHCU Loans.
^^^ Toy Loans include motorcycles, boats, RVs, jet skis, dirt bikes, quads, campers, tractors, and ATVs.

Used Vehicle Loan rates are for model years 2019 & Newer.
GAP, Extended Warranty, Credit Life and Credit Disability Insurances are available to purchase on all Vehicle Loans.
Credit Life and Credit Disability Insurances are available for consumer loans.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA (National Credit Union Administration) is a U.S. Government Agency.
Northwest Hills Credit Union is an Equal Opportunity Lender.
The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by the Credit Union nor an obligation of the Credit Union. The insurance may lose value.