Loan Rates
The loan rates below are our risk-based lending rates now in effect at NET Credit Union and are As Low As, based on your credit score. Did we raise your credit score yet? Ask today if we can raise your credit score before you apply. We also encourage you to shop for the BEST RATE, then NET would like the opportunity to BEAT YOUR RATE.
Auto Loans
| Loan Term | Annual Percentage Rate as Low as | Payment Example per $1,000 Borrowed |
|---|---|---|
| 36 | 6.49% | $30.65 |
| 60 | 6.49% | $19.57 |
Other terms and rates available from 24 – 84 months. Contact us for details.
Fixed Rate Home Equity Line of Credit (First and Second Lien)
| Loan Term | Annual Percentage Rate as Low as: | Payment Example Per $1,000 Borrowed |
|---|---|---|
| 60 | 7.59% | $20.09 |
| 120 | 7.79% | $12.03 |
Other terms and rates available from 60 – 240 months. Contact us for details.
Home Equity Line of Credit
Rate is variable and based on Wall Street Journal Prime Rate. WJS Prime Rate is 8.50% as of 08/01/2023. Current Rate is 8.50%. Maximum APR is 18.00%
Personal Loans
| Loan Term | Annual Percentage Rate as Low as: | Payment Example per $1,000 Borrowed |
|---|---|---|
| 60 | 13.99% | $23.28 |
Other terms and rates available from 48-60 months. Contact us for details.
RV & Powersport Loans
| Loan Term | Annual Percentage Rate as Low as: | Payment Example Per $1,000 Borrowed |
|---|---|---|
| 36 | 8.09% | $31.38 |
| 60 | 8.69% | $20.62 |
Other terms and rates available from 24 – 120 months. Contact us for details.
Short Term Small Loan
| Loan Term | Annual Percentage Rate as Low as: | Payment Example Per $1,000 Borrowed |
|---|---|---|
| 6 months | 28.00% | $180.70 |
Other terms and rates available. Contact us for details.
Mortgages
| Term | Mortgage Type | Annual Percentage Rate as Low |
|---|---|---|
| 30 Year | Conventional | 6.99% |
*Rates as of 1/3/2024.
Adjustable Rate Mortgage (ARM) loans are also available. Please contact our Mortgage Lending Officer, Lisa Kearney, for current rates at 570-293-3618 or mortgages@netcreditunion.com.
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Credit Cards
| Card Type | Rate as Low as: |
|---|---|
| Platinum | 10.99% |
Cash Back Rewards, Student, and Secured Credit Builder available; different rates apply.
Reach Us
Our headquarters are here in Scranton; but with our ATM network, digital banking and mobile app – we’re conveniently where you need us.
119 Mulberry Street
Scranton, PA 18503
570.961.5300
info@netcreditunion.com
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All rates are subject to change without notice. APR: Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. Rates are current as of 4/1/2024. Various terms available.
Vehicle/Motorcycle/Recreational/Power Sport/ Utility/ RV/ Boats- Term of the loan is subject to minimum amounts financed. For example, for a 60 month term, the minimum amount financed is $10,000.