Our Member Rates
Whatever your financial goals, Nassau Financial Federal Credit Union wants to see you succeed. It’s why we offer better rates for savers and lower rates for borrowers. And we help you take control of your finances and plans for the future with confidence. Interest rates displayed on this page are current.
- Personal Loans
- Auto
- Recreational Loans
Checking & Savings Rates
Type of Account |
Variable Dividend Rate |
APY* |
Minimum Balance to Earn APY |
Regular & Youth Shares | 0.05% |
0.05% | $5 Adults /$5 Youth |
Youth Savers Pro/Age 0 thru 11 | 0.05% |
0.05% | $5.00 |
Youth Savers Pro/ Age 12 thru 22 | 0.05% | 0.05% | $5.00 Rate requires Checking Acct |
IRA | 0.05% | 0.05% | None |
Saver's Edge | 0.05% | 0.05% | None |
Saver's Edge | 0.05% | 0.05% | $5,000.00 |
Saver's Edge | 0.05% | 0.05% | $25,000.00 |
Saver's Edge | 0.05% | 0.05% | $50,000.00 |
Saver's Edge | 0.15 % | 0.15% | $75,000.00 |
SmartSaver IRA | 0.05% |
0.05% | None |
SmartSaver IRA | 0.05% |
0.05% | $5,000.00 |
SmartSaver IRA | 0.05% |
0.05% | $25,000.00 |
SmartSaver IRA | 0.05% |
0.05% | $50,000.00 |
SmartSaver IRA | 0.15% |
0.15% | $75,000.00 |
Club Accounts | 0.01% |
0.01% | None |
BaZing Checking |
3.00% |
3.00%1 |
Access to rewards and savings for just $6.00 a month. Interest is earned on balances over $500. |
Freedom Checking |
0.00% |
0.00% |
Maintain a $100 minimum balance or enroll in direct deposits, and we’ll waive the $7 monthly fee. |
Personal Certificate Rates
Type of Account | Rate | APY* |
6 Months |
1.00% | 1.01% |
7 Months+ |
4.16% | 4.25% |
9 Months1 | 3.92% | 4.00% |
10 months2 |
4.40% |
4.50% |
11 Months3 | 3.92% | 4.00% |
12 Months |
1.25% | 1.26% |
18 Months |
1.00% | 1.01% |
24 Months |
1.25% | 1.26% |
36 Months |
0.50% | 0.50% |
48 Months4 |
3.20% | 3.25% |
60 Months | 0.50% | 0.50% |
Credit Card Rates
Type of Account | APR* | Monthly Payment |
Visa Platinum | 0% APR* for 12 months, then variable. 3% Balance Transfer fee applies.1 | 3% of balance, $25 min. |
Visa Platinum Plus | 0% APR* for 12 months, then variable. 3% Balance Transfer fee applies.1 | 3% of balance, $25 min. |
Secured Credit Card | as low as 14.74%2 APR* | 3% of balance, $25 min. |
*APR = Annual Percentage Rate. Rate shown requires Direct Deposit OR AutoPay. Minimum line of credit $500; maximum line of credit $40,000. Get 1.75% APR fixed for the first 12 months, then the prevailing rate, which is variable and based on the Wall Street Journal Prime Rate plus a margin, based on creditworthiness, on the last business day of the month with a cap of 17.9%. 1Get 0% APR on all balance transfers for the first 12 months, then the prevailing rate. A 3% fee applies to all balance transfers. Minimum balance transfer is $1,000. All loan applications underwritten based on creditworthiness and other criteria. Nassau Financial’s cumulative unsecured loan &/or line of credit limit maximum is $40,000. rate offers subject to change without notice.
2Rate shown requires Direct Deposit OR AutoPay. Minimum line of credit $500; maximum line of credit $40,000. Get 1.75% APR fixed for the first 12 months, then the prevailing rate, which is variable and based on the Wall Street Journal Prime Rate plus a margin, based on creditworthiness, on the last business day of the month with a cap of 17.9%.
Personal Loan Rates
Type of Account | Maximum Term | APR* |
Signature Line of Credit |
N/A |
as low as 10.240% |
Signature Loan |
24-60 Months |
as low as 8.490% |
Solar Loans |
up to 120 Months |
Ask for rates |
Share Secured |
up to 120 Months |
3.5% + Dividend Rate |
Share Certificate Secured |
6 to 60 Months |
3.5% + Certificate Rate |
*APR=Annual Percentage Rate. Offer for new signature loans (personal loans) at Nassau Financial only. Rate includes discounts for Auto Pay & Direct Deposit. Rates may be higher without AutoPay & Direct Deposit. Refinancing or payoff of outstanding balances at Nassau Financial is prohibited. All loan types, rates, terms and offers are based on applicant's credit history. Minimum loan amount is $1,000; maximum loan amount is $40,000. Nassau Financial’s cumulative unsecured loan &/or line of credit balance maximum is $40,000. Rate offer quoted, Terms & Conditions may change at any time.
*APR=Annual Percentage Rate. Rate includes discounts for Auto Pay & Direct Deposit. Rates may be higher without AutoPay & Direct Deposit. All loan types, rates, terms, and offers are based on applicant's credit history. **Minimum line amount is $500. Nassau Financial’s cumulative unsecured loan &/or line of credit balance maximum is $40,000. Rate offer quoted, Terms & Conditions may change at any time.
*APR=Annual Percentage Rate. Other financing options available through NassauFinancial.org including home equity loans and lines of credit. 1Based on combined loan amounts. Rates, terms and conditions subject to change without notice. Offers of credit subject to credit history and other criteria. One-time processing fee of $750 will be charged at first disbursal. This fee cannot be financed. Nassau Financial Federal Credit Union membership is open to all those who live, work, worship, volunteer or go to school in Nassau and Suffolk County, as well as siblings, children, grandchildren and household members of Nassau Financial members.
Membership open to those who live, work, worship, volunteer, or go to school in Nassau and Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Shared Savings Account is required for membership.
Home Equity Rates
Type of Account |
Maximum Term |
APR* |
Home Equity Line-of-Credit1 (10-year access period) |
300 Months |
As low as 6.49% APR1 fixed for 12 months, then as low as Prime2 |
Fixed-Rate Loan |
240 Months |
As low as 7.25% APR1 |
First Mortgage Loan Rates
Type of Account |
Term | Rate | APR* |
Points | Interest Type |
Fixed Mortgage |
30 Years | 6.250 % |
6.345 % |
0 | Fixed |
Fixed Mortgage |
20 Years | 6.125 % |
6.251 % |
0 | Fixed |
Fixed Mortgage |
15 Years | 6.000% |
6.157% |
0 | Fixed |
Fixed Mortgage |
10 Years | 5.875% |
6.097% |
0 | Fixed |
Vehicle Loan Rates
Type of Account | Maximum Term | APR* |
New Auto (up to 90 % LTV) |
60 Months |
as low as 6.29% |
New Auto (up to 90 % LTV) |
72 Months |
as low as 6.29% |
New Auto (up to 90 % LTV) | 84 Months | as low as 7.09% |
New Auto (up to 90 % LTV) |
96 Months |
as low as 7.99% |
Used Auto (up to 90 % LTV) |
60 Months |
as low as 6.49% |
Used Auto (up to 90 % LTV) |
72 Months |
as low as 6.74% |
Used Auto (up to 90 % LTV) | 84 Months | as low as 7.44% |
Auto Refinance | — | up to 60 days payment deferral.1 |
Classic Car Loan | 60 Months | as low as 6.79% |
New & Used Auto Loan Disclaimers
*APR=Annual Percentage Rate. All loan types, rates, terms and offers are based on applicant's credit history and are decisioned based on creditworthiness and other criteria. Other rates and terms available. Certain restrictions apply. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rate offers quoted, Terms & Conditions may change at anytime. Minimum loan amount on 96-month term is $50,000. Vehicles with commercial plates cannot be financed as a consumer auto loan. To qualify as new, vehicle must be current model year or one-year prior model with less than 5,000 miles. Vehicle model cannot be more than 7 years old, including the current model year. Auto Loan rates assume LTV 90% or less.
*APR=Annual Percentage Rate. Vehicle loans at Nassau Financial are not eligible. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less.
60-day loan payment deferment will start from the day the loan is funded subject to credit approval. Interest accrues during the 60-day deferment. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms. The minimum amount financed for the new auto 96-month term is $50,000. To qualify as new, vehicle must be current model year or one-year prior model with less than 5,000 miles. Vehicle model cannot be more than 7 years old, including the current model year. Vehicles with commercial plates cannot be financed as a consumer auto loan.
Classic Car Loan Disclaimers
*APR=Annual Percentage Rate. All loan types, rates, terms and offers are based on applicant's credit history and are decisioned based on creditworthiness and other criteria. Certain restrictions apply. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rate offers quoted, Terms & Conditions may change at anytime. 60-month term up to $100,000 loan amounts. Vehicles with commercial plates cannot be financed as a consumer auto loan. Vehicle model must be 25 years or older. Maximum financing up to 100% LTV.
Recreational Loan Rates
Type of Account | Maximum Term | APR* |
New Boat |
24 to 60 Months |
as low as 6.990% |
New Boat |
72 Months |
as low as 7.110% |
New Boat |
84 Months |
as low as 7.240% |
Used Boat |
24 to 60 Months |
as low as 7.490 % |
Used Boat |
72 Months |
as low as 7.610 % |
Used Boat |
84 Months |
as low as 7.740% |
Extended New Boat |
120 Months |
as low as 6.360% |
Extended New Boat |
180 Months |
as low as 6.490% |
Extended New Boat |
240 Months | as low as 6.610% |
Extended Used Boat |
120 Months |
as low as 6.860% |
Extended Used Boat |
180 Months |
as low as 6.990% |
Extended Used Boat |
40 Months |
as low as 7.110% |
New RV |
24 to 60 Months |
as low as 6.390% |
New RV |
72 Months |
as low as 6.640% |
New RV |
84 Months |
as low as 6.890% |
Used RV |
24 to 60 Months |
as low as 7.290% |
Used RV |
72 Months |
as low as 7.790% |
Used RV |
84 Months |
as low as 8.29% |
Extended New RV |
120 Months | as low as 7.690% |
Extended New RV |
180 Months |
as low as 8.440% |
Extended New RV |
240 Months |
as low as 8.690% |
Extended Used RV |
120 Months |
as low as 8.790% |
Extended Used RV |
180 Months |
as low as 9.090% |
Extended Used RV |
240 Months |
as low as 9.290% |
Motorcycle |
24 to 60 Months | as low as 7.290% |
*APR=Annual Percentage Rate. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms, as listed at NassauFinancial.org. New boat must be current model year or prior model year, untitled/undocumented. Used boat model cannot be more than 7 years old. Rates are subject to change without notice.
*APR=Annual Percentage Rate. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms, as listed at NassauFinancial.org. New RV must be current model year or prior model year, untitled/undocumented, with less than 5,000 miles. Used RV model cannot be more than 7 years old. Rates are subject to change without notice.
Membership open to those who live, work, worship, volunteer, or go to school in Nassau and Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Shared Savings Account is required for membership.
Checking & Savings Rates
Type of Account |
Variable Dividend Rate |
APY* |
Minimum Balance to Earn APY |
Regular & Youth Shares | 0.05% |
0.05% | $5 Adults /$5 Youth |
Youth Savers Pro/Age 0 thru 11 | 0.05% |
0.05% | $5.00 |
Youth Savers Pro/ Age 12 thru 22 | 0.05% | 0.05% | $5.00 Rate requires Checking Acct |
IRA | 0.05% | 0.05% | None |
Saver's Edge | 0.05% | 0.05% | None |
Saver's Edge | 0.05% | 0.05% | $5,000.00 |
Saver's Edge | 0.05% | 0.05% | $25,000.00 |
Saver's Edge | 0.05% | 0.05% | $50,000.00 |
Saver's Edge | 0.15 % | 0.15% | $75,000.00 |
SmartSaver IRA | 0.05% |
0.05% | None |
SmartSaver IRA | 0.05% |
0.05% | $5,000.00 |
SmartSaver IRA | 0.05% |
0.05% | $25,000.00 |
SmartSaver IRA | 0.05% |
0.05% | $50,000.00 |
SmartSaver IRA | 0.15% |
0.15% | $75,000.00 |
Club Accounts | 0.01% |
0.01% | None |
BaZing Checking |
3.00% |
3.00%1 |
Access to rewards and savings for just $6.00 a month. Interest is earned on balances over $500. |
Freedom Checking |
0.00% |
0.00% |
Maintain a $100 minimum balance or enroll in direct deposits, and we’ll waive the $7 monthly fee. |
Personal Certificate Rates
Type of Account | Rate | APY* |
6 Months |
1.00% | 1.01% |
7 Months+ |
4.16% | 4.25% |
9 Months1 | 3.92% | 4.00% |
10 months2 |
4.40% |
4.50% |
11 Months3 | 3.92% | 4.00% |
12 Months |
1.25% | 1.26% |
18 Months |
1.00% | 1.01% |
24 Months |
1.25% | 1.26% |
36 Months |
0.50% | 0.50% |
48 Months4 |
3.20% | 3.25% |
60 Months | 0.50% | 0.50% |
Credit Card Rates
Type of Account | APR* | Monthly Payment |
Visa Platinum | 0% APR* for 12 months, then variable. 3% Balance Transfer fee applies.1 | 3% of balance, $25 min. |
Visa Platinum Plus | 0% APR* for 12 months, then variable. 3% Balance Transfer fee applies.1 | 3% of balance, $25 min. |
Secured Credit Card | as low as 14.74%2 APR* | 3% of balance, $25 min. |
*APR = Annual Percentage Rate. Rate shown requires Direct Deposit OR AutoPay. Minimum line of credit $500; maximum line of credit $40,000. Get 1.75% APR fixed for the first 12 months, then the prevailing rate, which is variable and based on the Wall Street Journal Prime Rate plus a margin, based on creditworthiness, on the last business day of the month with a cap of 17.9%. 1Get 0% APR on all balance transfers for the first 12 months, then the prevailing rate. A 3% fee applies to all balance transfers. Minimum balance transfer is $1,000. All loan applications underwritten based on creditworthiness and other criteria. Nassau Financial’s cumulative unsecured loan &/or line of credit limit maximum is $40,000. rate offers subject to change without notice.
2Rate shown requires Direct Deposit OR AutoPay. Minimum line of credit $500; maximum line of credit $40,000. Get 1.75% APR fixed for the first 12 months, then the prevailing rate, which is variable and based on the Wall Street Journal Prime Rate plus a margin, based on creditworthiness, on the last business day of the month with a cap of 17.9%.
Personal Loan Rates
Type of Account | Maximum Term | APR* |
Signature Line of Credit |
N/A |
as low as 10.240% |
Signature Loan |
24-60 Months |
as low as 8.490% |
Solar Loans |
up to 120 Months |
Ask for rates |
Share Secured |
up to 120 Months |
3.5% + Dividend Rate |
Share Certificate Secured |
6 to 60 Months |
3.5% + Certificate Rate |
*APR=Annual Percentage Rate. Offer for new signature loans (personal loans) at Nassau Financial only. Rate includes discounts for Auto Pay & Direct Deposit. Rates may be higher without AutoPay & Direct Deposit. Refinancing or payoff of outstanding balances at Nassau Financial is prohibited. All loan types, rates, terms and offers are based on applicant's credit history. Minimum loan amount is $1,000; maximum loan amount is $40,000. Nassau Financial’s cumulative unsecured loan &/or line of credit balance maximum is $40,000. Rate offer quoted, Terms & Conditions may change at any time.
*APR=Annual Percentage Rate. Rate includes discounts for Auto Pay & Direct Deposit. Rates may be higher without AutoPay & Direct Deposit. All loan types, rates, terms, and offers are based on applicant's credit history. **Minimum line amount is $500. Nassau Financial’s cumulative unsecured loan &/or line of credit balance maximum is $40,000. Rate offer quoted, Terms & Conditions may change at any time.
*APR=Annual Percentage Rate. Other financing options available through NassauFinancial.org including home equity loans and lines of credit. 1Based on combined loan amounts. Rates, terms and conditions subject to change without notice. Offers of credit subject to credit history and other criteria. One-time processing fee of $750 will be charged at first disbursal. This fee cannot be financed. Nassau Financial Federal Credit Union membership is open to all those who live, work, worship, volunteer or go to school in Nassau and Suffolk County, as well as siblings, children, grandchildren and household members of Nassau Financial members.
Membership open to those who live, work, worship, volunteer, or go to school in Nassau and Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Shared Savings Account is required for membership.
Home Equity Rates
Type of Account |
Maximum Term |
APR* |
Home Equity Line-of-Credit1 (10-year access period) |
300 Months |
As low as 6.49% APR1 fixed for 12 months, then as low as Prime2 |
Fixed-Rate Loan |
240 Months |
As low as 7.25% APR1 |
First Mortgage Loan Rates
Type of Account |
Term | Rate | APR* |
Points | Interest Type |
Fixed Mortgage |
30 Years | 6.250 % |
6.345 % |
0 | Fixed |
Fixed Mortgage |
20 Years | 6.125 % |
6.251 % |
0 | Fixed |
Fixed Mortgage |
15 Years | 6.000% |
6.157% |
0 | Fixed |
Fixed Mortgage |
10 Years | 5.875% |
6.097% |
0 | Fixed |
Vehicle Loan Rates
Type of Account | Maximum Term | APR* |
New Auto (up to 90 % LTV) |
60 Months |
as low as 6.29% |
New Auto (up to 90 % LTV) |
72 Months |
as low as 6.29% |
New Auto (up to 90 % LTV) | 84 Months | as low as 7.09% |
New Auto (up to 90 % LTV) |
96 Months |
as low as 7.99% |
Used Auto (up to 90 % LTV) |
60 Months |
as low as 6.49% |
Used Auto (up to 90 % LTV) |
72 Months |
as low as 6.74% |
Used Auto (up to 90 % LTV) | 84 Months | as low as 7.44% |
Auto Refinance | — | up to 60 days payment deferral.1 |
Classic Car Loan | 60 Months | as low as 6.79% |
New & Used Auto Loan Disclaimers
*APR=Annual Percentage Rate. All loan types, rates, terms and offers are based on applicant's credit history and are decisioned based on creditworthiness and other criteria. Other rates and terms available. Certain restrictions apply. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rate offers quoted, Terms & Conditions may change at anytime. Minimum loan amount on 96-month term is $50,000. Vehicles with commercial plates cannot be financed as a consumer auto loan. To qualify as new, vehicle must be current model year or one-year prior model with less than 5,000 miles. Vehicle model cannot be more than 7 years old, including the current model year. Auto Loan rates assume LTV 90% or less.
*APR=Annual Percentage Rate. Vehicle loans at Nassau Financial are not eligible. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less.
60-day loan payment deferment will start from the day the loan is funded subject to credit approval. Interest accrues during the 60-day deferment. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms. The minimum amount financed for the new auto 96-month term is $50,000. To qualify as new, vehicle must be current model year or one-year prior model with less than 5,000 miles. Vehicle model cannot be more than 7 years old, including the current model year. Vehicles with commercial plates cannot be financed as a consumer auto loan.
Classic Car Loan Disclaimers
*APR=Annual Percentage Rate. All loan types, rates, terms and offers are based on applicant's credit history and are decisioned based on creditworthiness and other criteria. Certain restrictions apply. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rate offers quoted, Terms & Conditions may change at anytime. 60-month term up to $100,000 loan amounts. Vehicles with commercial plates cannot be financed as a consumer auto loan. Vehicle model must be 25 years or older. Maximum financing up to 100% LTV.
Recreational Loan Rates
Type of Account | Maximum Term | APR* |
New Boat |
24 to 60 Months |
as low as 6.990% |
New Boat |
72 Months |
as low as 7.110% |
New Boat |
84 Months |
as low as 7.240% |
Used Boat |
24 to 60 Months |
as low as 7.490 % |
Used Boat |
72 Months |
as low as 7.610 % |
Used Boat |
84 Months |
as low as 7.740% |
Extended New Boat |
120 Months |
as low as 6.360% |
Extended New Boat |
180 Months |
as low as 6.490% |
Extended New Boat |
240 Months | as low as 6.610% |
Extended Used Boat |
120 Months |
as low as 6.860% |
Extended Used Boat |
180 Months |
as low as 6.990% |
Extended Used Boat |
40 Months |
as low as 7.110% |
New RV |
24 to 60 Months |
as low as 6.390% |
New RV |
72 Months |
as low as 6.640% |
New RV |
84 Months |
as low as 6.890% |
Used RV |
24 to 60 Months |
as low as 7.290% |
Used RV |
72 Months |
as low as 7.790% |
Used RV |
84 Months |
as low as 8.29% |
Extended New RV |
120 Months | as low as 7.690% |
Extended New RV |
180 Months |
as low as 8.440% |
Extended New RV |
240 Months |
as low as 8.690% |
Extended Used RV |
120 Months |
as low as 8.790% |
Extended Used RV |
180 Months |
as low as 9.090% |
Extended Used RV |
240 Months |
as low as 9.290% |
Motorcycle |
24 to 60 Months | as low as 7.290% |
*APR=Annual Percentage Rate. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms, as listed at NassauFinancial.org. New boat must be current model year or prior model year, untitled/undocumented. Used boat model cannot be more than 7 years old. Rates are subject to change without notice.
*APR=Annual Percentage Rate. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms, as listed at NassauFinancial.org. New RV must be current model year or prior model year, untitled/undocumented, with less than 5,000 miles. Used RV model cannot be more than 7 years old. Rates are subject to change without notice.
Membership open to those who live, work, worship, volunteer, or go to school in Nassau and Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Shared Savings Account is required for membership.