Loan Rates & Lending Information | NET Credit Union
(570) 961-5300

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.

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Auto Loans

Loan Term Annual Percentage Rate as Low asPayment Example per $1,000 Borrowed
244.59%$43.69
605.69%$19.20

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 TermAnnual Percentage Rate as Low as:Payment Example Per $1,000 Borrowed
606.39%$19.52
1206.59%$11.41

Other terms and rates available from 60 – 240 months. Contact us for details.

Home Equity Line of Credit

(Minimum monthly payment of $100.00)
Rate is variable and based on Wall Street Journal Prime Rate. Prime Rate is 6.25% as of 10/1/22. Maximum APR is 18.00%.
Rate is based off credit worthiness. The variable rate may be increased after consummation.

Personal Loans

Loan TermAnnual Percentage Rate as Low as:Payment Example per $1,000 Borrowed
6013.99%$23.28

Other terms and rates available from 48-60  months. Contact us for details.

RV & Powersport Loans

Loan TermAnnual Percentage Rate as Low as:Payment Example Per $1,000 Borrowed
246.19%$44.41
607.39%$19.99

Other terms and rates available from 24 – 120  months. Contact us for details.

Shared Secured Loans

Loan TermAnnual Percentage Rate as Low as:Payment Example Per $1,000 Borrowed
608.99%$20.60

Other terms and rates available up to 60 months. Contact us for details.

Short Term Small Loan

Loan TermAnnual Percentage Rate as Low as:Payment Example Per $1,000 Borrowed
6 months28.00%$180.70

Other terms and rates available. Contact us for details.

Mortgages

Please contact our mortgage experts for current rates at 570-961-5300 or info@netcreditunion.com.

*Please do not send secure information 

Credit Cards

Card TypeRate as Low as:
Platinum10.99%

Cash Back Rewards, Student, and Secured Credit Builder available; different rates apply.

Use our calculators to evaluate your finances

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  11/1/2022. 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.