Spend Less and Save More
At Nymeo, we’re able to offer better loan rates than most banks can provide. How? It all comes down to our credit union status. Because we focus on people – not profits – we’re free to return any earnings right back to you in the form of lower rates on loans (along with higher rates on deposits, fewer fees and more). To put it simply: Banking with us just makes cents.
Loan Rates Effective: 07/01/2025
Consumer Loan Rates
New Vehicles (Refinance or Purchase, Model Year 2023 or Newer)
| Loan Term | Amount | APR* (As low as) |
| 73-84 Months |
$25,000+ |
6.99% |
| 61-72 Months |
$15,000+ |
6.74% |
| 49-60 Months |
$10,000+ |
6.49% |
| 12-48 Months |
$5,000+ |
6.24% |
Used Vehicles (Refinance or Purchase, Model Year 2021 to 2022)
| Loan Term | Amount | APR* (As low as) |
| 61-72 Months |
$15,000+ |
6.74% |
| 49-60 Months |
$10,000+ |
6.49% |
| 12-48 Months |
$5,000+ |
6.24% |
Used Vehicles (Refinance or Purchase, Model Year 2017 to 2019)
| Loan Term | Amount | APR* (As low as) |
| 61-72 Months |
$15,000+ |
6.99% |
| 49-60 Months |
$10,000+ |
6.74% |
| 12-48 Months |
$5,000+ |
6.49% |
Used Vehicles (Refinance or Purchase, Model Year 2016 and Older**)
| Loan Term | Amount | APR* (As low as) |
| 49-60 Months |
$10,000+ |
6.99% |
| 12-48 Months |
$5,000+ |
6.74% |
Other Vehicles (Boats, Travel Trailers, Motor Homes, etc,)
| Loan Term | Amount | APR* (As low as) |
| 121-180 Months |
$35,000+ |
8.74% |
| 85-120 Months |
$25,000+ |
8.49% |
| 61-84 Months |
$10,000+ |
8.24% |
| 12-60 Months |
$5,000+ |
7.99% |
Motorsports
| Loan Term | Amount | APR* (As low as) |
| 61-72 Months |
$15,000+ |
7.99% |
| 49-60 Months |
$10,000+ |
7.74% |
| 12-48 Months |
- |
7.49% |
Mortgage Rates
Effective Date: Tuesday, July 8th, 2025
| Name | Points | APR* (As low as) |
| 30 Year Fixed (Conforming) |
0% |
6.5% |
| 20 Year Fixed (Conforming) |
0% |
5.875% |
| 15 Year Fixed (Conforming) |
0% |
5.625% |
| 10 Year Fixed (Conforming) |
0% |
5.5% |
| 7/1 ARM (Conforming) |
0% |
5.375% |
| 5/1 ARM (Conforming) |
0% |
5.25% |
| 3/1 ARM (Conforming) |
0% |
5.125% |
| HELOC (Other) |
0% |
7.5% |
Personal Loan
| Loan Term | Amount | APR* (As low as) |
| 6-48 Months |
$500+ |
7.99% |
| 49-72 Months |
$7,500+ |
8.99% |
Overdraft Protection
| Loan Term | Amount | APR* (As low as) |
| Revolving Line of Credit |
$250+ |
12.00% |
Share Secured
| Loan Term | Amount | APR* (As low as) |
| 12-72 Months |
$250+ |
Current savings rate + 3.00% |
Certificate Secured
| Loan Term | Amount | APR* (As low as) |
| Based on Current Certificate |
Up to Current Certificate Balance |
Current certificate rate + 3.00% |
Share Secured Visa
| Loan Term | Amount | APR* (As low as) |
| Line Amount |
N/A |
9.90% |
*Annual Percentage Rate. Rates quoted are "as low as" and are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term. The age of collateral securing the loan will impact the APR and term for the following loan types: New and Used Vehicle Loans, Motorsports, Motor Homes, Travel Trailers and Boats.
**A 60 month term is the maximum term for a vehicle with a model year of 2015 and older. Auto loans with mileage greater than 125,000 may be subject to a higher interest rate.
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