PERSONAL LOANS

All potential loan interest rate adjustments/discounts will be assessed during the loan application process, please see loan rates & more section for a full list of applicable loan discounts and credit score grades.


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Holiday Helper Loan -
Expires Soon!

lIMITED TIME oFFER EXPIRES 12/21/2018

‘Tis the season…to be stressed about money!
Let us help you get all of your holiday shopping done!
Apply for one of First NRV’s Holiday Helpers Loans today!
Get $1,100 at 11% APR with an 11-month term repayment!

Naughty or Nice? This loan requires prequalification, please call or come by the lobby to be prequalified. And here’s to hoping that you have made the Nice list for this year!

 

Payday Alternative Loans

providing A helping hand

Installment or payday loans can be extremely expensive. Individuals are pushed by predatory lenders to renew their loans over and over again. This is why we created our safe, low-interest Payday Alternative Loans (PAL).

  • Apply for a 6-Month Term PAL at First NRV today.

    • Interest Rate as low as 28.00% APR.

    • $20.00 PAL fee is applied for this loan.

    • Maximum amount you can borrow is $1,000.

 In a tight spot with your money? Let us be your PAL! Apply for a Payday Advance Loan today with First NRV Credit Union!

In a tight spot with your money? Let us be your PAL! Apply for a Payday Advance Loan today with First NRV Credit Union!

 
 

VISA Credit Cards

Convenient, fair, & reliable.

  • NO annual fees

  • NO cash advance fees

  • The current interest rate is 12.25% APR

  • Interest Rate is based off of Wall Street Prime + 7%

 A different kind of credit card. Low Interest Rate. No annual fees. No cash advance fees. Apply for a First NRV Credit Union VISA Credit Card today.

A different kind of credit card. Low Interest Rate. No annual fees. No cash advance fees. Apply for a First NRV Credit Union VISA Credit Card today.

 

Unsecured Loans (Signature Loans)

No collateral, no problem.

This loan type requires no collateral, and tends to have a higher interest rate (APR) than that of a secured loan. Unsecured personal loans tend to be harder to qualify for due to the lack of collateral being offered to secure the loan.

  • This type of loan requires no collateral for security.

  • Since there is no collateral securing the loan, the interest rate will be higher.

  • Interest rates for Unsecured Signature Loans starting as low as 7.99% APR.

 
 No collateral? No problem. Apply for an unsecured loan with First NRV Credit Union today.

No collateral? No problem. Apply for an unsecured loan with First NRV Credit Union today.

 
 

Unsecured Signature Loans

All loans except Mortgage, Home Equity, and credit card are eligible for loyalty or usage discounts.

Grade/Months 6 - 24 25 - 36 37 - 48 49 - 60
A 7.99%* 8.99%* 9.99%* 10.99%*
B 11.99%* 12.99%* 13.99%* 14.99%
C 15.99%* 16.99%* 17.99%* N/A
D 17.99%* 17.99%* N/A N/A

Other Loans

All loans (except for Mortgages, Home Equity Lines of Credit and VISA Credit Card) are eligible for loyalty or usage discounts (see our Loan Discount page for more information). No loan rate can go below 2.99% the Floor rate is Wall Street Prime [currently set at 5.00%] if not set by BOD. All E loans and Credit Rebuilder Loans have an interest rate of 18% (APR*).

Loan Type Loan Rate Loan Details
CREDIT CARD VISA Wall StreetPrime Rate + 7% = 12.25% NO ANNUAL FEE
HOME EQUITY* Wall Street Prime Min. 4.50% to a Max. of 14.00%
MORTGAGE See Mortgage Rate Sheet  
UNIMPROVED PROPERTY As low as 6.00% 10 YEARS                    12 YEARS
PAYDAY ALTERNATIVE LOAN 28%
$20.00 loan fee

1% Interest Rate Discount for Direct Deposit
1% Interest Rate Discount for Auto-Pay

*APR = Annual Percentage Rate