Contact Us
North Tonawanda
Community F. C. U.
160 Ward Road
North Tonawanda, NY 14120
Phone: (716) 695-1829
Fax: (716) 695-0546
Loans
Risk Based Lending Policy:
The Credit Union has established a risk-based lending program, which includes a credit report score. The Credit Union desires to reward its most credit worthy members with a preferred loan commitment while attempting to assist those members who may have weaker credit. Both the credit report score and credit union history will be used in determining the loan decision and the initial rate to the borrower(s). Risk-based lending may be offered on all lending products. The Risk Based Lending Program will be monitored at least annually and may be discontinued at any time.
| Loan Type | Amount | Term | As low as | As high as |
| Unsecured Loan | 7,500.00 | 60 months | 9.00% | 17.50% |
| 12,000.00 | 60 months |
9.75% | 18.00% | |
|
New Vehicle 2009 - 2011 |
50,000.00 | 60 months |
4.29% | 7.45% |
|
Late Model Vehicle 2007 - 2010 |
50,000.00 | 60 months |
4.29% | 12.90% |
|
Used Vehicle 2004 - 2006 |
50,000.00 | 60 months |
8.00% | 12.95% |
| Over Draft Loan | 2,000.00 | 36 months | 11.90% | 14.90% |
| Home Improvement | 10,000.00 | 60 months |
7.50% | 11.00% |
| 20,000.00 | 84 months | 8.50% | 12.75% | |
| Home Equity Loan | 50,000.00 | 180 months | Prime | |
| Seasonal Specials | 2,000.00 | 9 months | 8.75% | 10.00 |
(for qualified borrowers)
Other Terms and Rates are available - please contact the credit union office
