Loan Rates

effective June 28, 2016


  • Rates quoted are the lowest rates available to qualified applicants.
  • Other rates are available and may apply based upon our current underwriting guidelines.
  • Rates are subject to change at any time without notice.
  • Date of loan disbursement will determine rate charged.
Vehicle Loans: Cars & Trucks (new/used)
Term Car Age Rate
36 months up to 10 years old 2.99%
48 months up to 8 years old 3.99%
60 months up to 5 years old 4.49%
72 months up to 2 years old 4.99%
Boat/Recreation Vehicle & Motorcycles
Term Minimum Rate
up to 60 months   7.49%
Home Equity Line*
LTV Type Credit Limit Rate
Up to 80% Prime Rate up to $250,000 3.75%

* Variable Rate on Home Equity Lines is determined by the Wall Street Journal Prime Rate.

Home Equity Loans
Term 80% LTV Rate
5 years 3.74%
10 years 4.74%
15 years 4.99%
20 years 6.34%
Personal Loans & Lines of Credit
Loan Rate  Type  Term
Signature Loan 9.99% fixed rate up to 60 months
Overdraft Line of Credit 9.00% variable rate** open credit line
Credit Builder Loan 18% fixed rate up to 24 months
Share Secured Share Rate + 3.00% up to 10 years
Certificate Secured CD Rate + 3.00% until CD matures
Stock Secured 8.25% fixed rate up to 12 years

** Variable Rate on Overdraft Line of Credit is determined by the Treasury Bill Rate plus 8.00%

Credit Cards
Loan Rate  Type  Term
VISA Classic 13.80% fixed rate 25 day interest free grace period
& no annual fee
VISA Platinum 9.50% fixed rate 25 day interest free grace period
 & no annual fee

Protect your Loan Payments with Payment Protection from


Gap PLUS pays the loan off in case of a total loss on any new or used car loan PLUS your deductible ($1000 max) PLUS $1000 on a new car if financed here! $299 one time fee.

We do business in accordance with the
Federal Housing Law and the Equal Credit Opportunity Act




Copyright 1999-2011 by NJ Gateway Federal Credit Union