Personal Loans
At the NBC (NY) EFCU, your signature means a great deal to us. That's why we offer unsecured, personal loans for all occasions:
|
* Christmas shopping |
* Paying the taxman |
* Purchase of a computer |
|
* Going on vacation |
* Car repairs |
* Debt consolidation |
|
* Engagement ring |
* Wedding reception |
Forgot to open a Holiday Club account? Vacation Club account? What if you did and the money in that account just wasn’t enough? We offer repayment plans tailored to fit your needs.
Check out our rates. Apply today.
Are you in the market to buy a new car? Before you make a decision get pre-approved for a
NBC (NY) EFCU car loan and shop around with the confidence of knowing how much you can afford to spend. We have great rates with up to 100% financing and terms for up to 60 months. Have you already bought that car and financed it elsewhere at a higher interest rate? Don’t worry, we may be able to refinance that car with a lower rate and reduce your payments and save you money in the process.
Beware of dealer financing. Although the interest rate may sound tempting, they may not be
your best deal. The rate dealers are offering may be limited to specific models, dealer’s inventory (with costly unwanted options) or require large down payments. Worse yet, a dealer that gives you a “great rate” is usually not offering much off on the sticker price of that car nor would you be eligible for any manufacturer’s rebates. In most cases, your best bet is to take
the manufacturer's rebate and come to the credit union for financing.
You'll have more vehicle choices and save money. Take a look at the
following $15,000 new car loan financing example:
Credit Union vs. Dealer Financing
(36 Month Term Example)
| Credit Union | Dealer | ||
| 7.40% | 2.90% | ||
| Cost of Vehicle | $15,000.00 | $15,000.00 | |
| Manufacturer Rebate | 1,500.00 | 0.00 | |
| Amount Financed | 13,500.00 | 15,000.00 | |
| Finance Charge | 1,568.11 | 680.40 | |
| Total Cost | 15,068.11 | 15,680.40 | |
| Monthly/Biweekly Payment | 193.24 | 435.57 | |
| 36 Months Savings | 612.29 | 0.00 |
Check out our rates. Apply today.
Share Secured Loans
Need cash but don’t want to deplete your savings or to avoid the penalty of withdrawing your share certificate account before maturity? A Share Secured Loan is the ideal way to borrow for individual or family needs without sacrificing your savings. Existing share and share certificate accounts may be used to secure loans for up to 100% of the account balance. During the loan period, the shares pledged against the loan cannot be withdrawn. Check out our rates. Apply today.
Overdraft Protection
This valuable service for members that frequently use their sharedraft account, Overdraft Protection ensures that a check you wrote (or any other preauthorized withdrawal) will be honored even when you may not have the funds available in your account. Overdraft advances to cover non-sufficient funds are transferred in $100 increments. This may eliminate returned checks (thus protects your credit rating), save you money (returned check charges) and the embarrassment of having bounced checks. Check out our
rates. Apply today.
VISA Credit Cards
Our NBC (NY) EFCU VISA cards are accepted around the world at the finest shops, restaurants and hotels. You will find the familiar VISA sign displayed almost everywhere you go. You may even get cash advances at thousands of ATMs and financial institutions throughout the VISA Global Network. We offer two outstanding VISA solutions to fulfill your credit card needs.
Our VISA Classic Card presents:
-
LOW 9.90% fixed rate.
-
No annual fee.
-
No cash advance fee.
-
Free 25-Day grace period.
-
No minimum finance charge.
-
Credit lines of up to $10,000.
-
Secured card for members with credit problems.
-
Around-the-clock fraud protection alerts us to unusual activity on your account.
Our VISA Platinum Preferred Card presents (for one low annual fee of $25.00):
-
Low 5.90% balance transfer for the first year. (Low 14.90% otherwise.)
-
Free 25-Day grace period.
-
No minimum finance charge.
-
Credit lines of up to $30,000.
-
Year-end Account Summary Statement.
-
24-Hour Roadside Dispatch Assistance.
-
24-Hour Toll-Free Worldwide Customer Service.
-
Around-the-clock fraud protection alerts us to unusual activity on your account.
-
Scorecard Reward Program allows you to earn points good towards airline mileage, auto rental or brand name merchandise.
-
Concierge service that includes limousine service, information and reservations for golf, dining, performance and special events.
Plus, merchandise purchased with your Platinum Preferred Card receives added security such as:
-
Price Protection guarantees you the lowest advertised price on most items purchased for up to 60 days.
-
Purchase Security automatically protects most items purchased in the event of theft or damage for up to 90 days.
-
Warranty Manager extends manufacture warranties (of 3 years of less) for up to one additional year on eligible items purchased.
In addition, enjoy these advantages while traveling with your Platinum Preferred Card:
-
$1 Million Travel Accident Coverage.
-
Lost Checked Luggage Protection insures your checked luggage for up to $1,250.
-
Auto Rental Collision Deductible protects you for up to the full value of the car.
-
Emergency Evacuation and Transportation Insurance covers your transportation expenses due to sudden illness, injury, or death during a trip.
-
Emergency medical and legal referrals can put you in touch with English-speaking doctors and attorneys while abroad during your trip.
In addition, you may view your VISA account activity online by visiting www.myccinfo.com. You can view such information as:
| Account Summary | Payment Summary | Contact Information |
| Current account balance | Minimum payment due | Payment address |
| Available credit | Payment due date | Dispute instructions and forms |
|
Credit limit |
Amount of last
payment Date of last payment |
Customer service telephone numbers |
The cards you want from the credit union you trust. VISA Classic or VISA Platinum, whichever suits your needs. Apply today!
Real Estate Loans
First Mortgages
Purchasing a home is perhaps the
biggest financial commitment you’ll ever make. So 
if you’re a little
uncomfortable about getting started, that’s understandable. A word of
comfort: millions of people have already gone through this process and
millions more will follow in your footsteps, so relax. We can help make
your dream of home ownership a reality.
-
Fixed and adjustable rate with no prepayment penalty
-
Repayment terms up to 30 years
-
Lending up to 95% appraised value of the property
-
1 to 4 family, condominiums, townhouses, & cooperatives
-
Currently limited to NY, NJ, CT and VT
Home Equity Loans
If you need extra cash, why not look to the very place that makes you feel most secure and comfortable - your home! Since you’ve been making your mortgage payments over the years, your home has become one of your greatest assets. So why not take advantage of it. We offer two ways to access the equity in your home:
Home Equity Loan |
Home Equity Line of Credit |
|
|
|
* Variable rate adjusted annually based upon Wall Street Journal prime interest rate. |
A Word About Credit Reports
If you’re interest in reviewing a copy of your credit report, we have provided links to the three major credit reporting agencies (Equifax, Experian, and Trans Union). Their sites allow you to obtain information and order copies of your credit reports. You may also order a copy of your credit report by calling them directly at the numbers provided. (Please note that the agencies may charge for this service.)
| Equifax: 800-997-2493 | Experian: 888-397-3742 | Trans Union: 800-888-4213 |
| http://www.equifax.com | http://www.experian.com | http://www.transunion.com |
 |
||
|
|
|