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. |
*APY= Annual Percentage Yield. Rates are subject to change without notice.1Interest is earned on balances over $500 and up to $10,000. Must have Direct Deposit and 20 Debit Card charges per month. Important Notes: Fees could reduce the earnings on accounts. View a listing of current fees imposed by the Credit Union. Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
Important Notes: Fees could reduce the earnings on accounts. There is a $10 minimum balance to open a checking account. On variable rate accounts the rate may change after the account is opened. Variable rates are accurate as of the date shown immediately above the respective rate table or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date shown immediately above the respective rate table.
Personal Certificate Rates
| Type of Account | Rate | APY* |
| 6 Months | 1.00% | 1.00% |
| 9 Months1 | 3.82% | 3.89% |
| 12 Months |
1.24% | 1.25% |
| 18 Months |
1.00% | 1.00% |
| 24 Months |
1.24% | 1.25% |
| 36 Months2 | 3.20% | 3.25% |
| 48 Months |
2.47% | 2.50% |
| 60 Months | 0.50% | 0.50% |
*APY= Annual Percentage Yield. Rates are subject to change without notice. Important Notes: Fees could reduce the earnings on accounts. View a listing of current fees imposed by the Credit Union. On variable rate accounts, the rate may change after the account is opened. Variable rates are accurate as of the date shown immediately above the respective rate table or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date shown immediately above the respective rate table.
1Rate offered only to Certificate Accounts. Minimum deposit of $1,000 is required. A penalty may be charged for early withdrawal. Rates offered are subject to change at any time without prior notice.
2Upon maturity, the Certificate term of 36 months will renew for a 36-month term at the then-prevailing rate. Rate offered only to Certificate Accounts. Opportunity to earn 4.00% APY for a 36-month IRA Certificate Account. A penalty may be charged for early withdrawal.
Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
Credit Card Rates
| Type of Account | APR* | Monthly Payment |
| Visa Platinum | 0% APR* for 18 months, then variable. 4.99% Balance Transfer fee applies.1 | 3% of balance, $25 min. |
| Visa Platinum Plus | 0% APR* for 18 months, then variable. 4.99% Balance Transfer fee applies.1 | 3% of balance, $25 min. |
| Secured Credit Card | as low as 13.74%2 APR* | 3% of balance, $25 min. |
Visa Platinum & Platinum Plus
*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 18 months, then the prevailing rate. A 4.99% 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.
*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 18 months, then the prevailing rate. A 4.99% 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.
Secured Credit Card
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%.
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%.
Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
Personal Loan Rates
| Type of Account | Maximum Term | APR* |
| Signature Line of Credit |
N/A |
as low as 9.240% |
| 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 |
Signature Loan Disclaimers
*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. 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.
Signature Line of Credit Disclaimers
*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. 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.
Solar Loan Disclaimers
*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.
*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 is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share 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 5.49% APR1 fixed for 12 months, then as low as Prime2 |
| Fixed-Rate Loan |
240 Months |
As low as 6.75% APR1 |
Home Equity Line of Credit
1APR = Annual Percentage Rate. Terms, Rates, and Conditions subject to change without notice. Stated rates are based on credit worthiness and other criteria. No closing cost option requires a minimum draw of $50,000 at funding. Closing costs must be paid back if the line is closed within the first 3 years, including internal refinances. Minimum draw at funding and a minimum balance of $50,000 must be kept for at least 18 months. If the balance falls below $50,000 during the first 18 months, the introductory rate reverts to Prime Rate plus a margin. Members do not qualify for the introductory rate if they already had an introductory rate on a HELOC at Nassau Financial within the past three (3) years. 2Base rate is Prime Rate with a margin and requires Auto Transfer AND Direct Deposit. Minimum Rate is 3% and Maximum Rate (Ceiling) is 18%. Minimum line amount is $25,000 and maximum line amount is $250,000. Maximum CLTV is 80%. Subject property must be the primary residence of the applicant and located in New York State. Cooperative properties not eligible. Fixed Rate Option (FRO) available during draw period: Minimum amount is $10,000. Maximum term is 240 months. Three fixed rate advances maximum at one time during draw period. Fee of $75 per advance. FRO rates differ from HELOC rates and are based on credit report status at time of request, and other criteria. Credit reports re-pulled after 60 days and subject to new rate and re-approval. Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
Fixed-Rate Equity Loan
¹APR = Annual Percentage Rate. Terms, Rates, and Conditions subject to change without notice. Stated rates are based on credit worthiness. The loan minimum is $25,000; the loan maximum is $250,000. Primary residences in New York State only. Cooperative properties not eligible. Loan to value restrictions apply. Minimum loan amount must be $50,000 to avoid closing costs. Closing costs must be paid back if the loan is closed within the first 3 years. Additional conditions and application fees may apply. Credit reports re-pulled after 60 days and subject to new rate and re-approval. Maximum CLTV is 85%. Other details may apply. Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
First Mortgage Loan Rates
| Type of Account |
Term | Rate | APR* |
Points | Interest Type |
| Fixed Mortgage (Refinance) | 30 Years | 6.375% |
6.471% | 0 | Fixed |
| Fixed Mortgage |
20 Years | 6.375% |
6.502% | 0 | Fixed |
| Fixed Mortgage |
15 Years | 6.125% |
6.283% | 0 | Fixed |
| Fixed Mortgage |
10 Years | 6.000% |
6.223% | 0 | Fixed |
*APR=Annual Percentage Rate. APR is based on Conventional loan assuming the highest credit rating. Rates are subject to change without notice. Loans are for owner occupied primary residences in New York State only. Co-ops are not eligible. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Final rate depends upon several factors, including but not limited to, your credit history and the loan to value ratio. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rates and points can be locked only after your completed loan application is received.
Vehicle Loan Rates
| Type of Account | Maximum Term | APR* |
| New Auto (up to 90 % LTV) |
60 Months |
as low as 5.49% |
| New Auto (up to 90 % LTV) |
72 Months |
as low as 5.79% |
| New Auto (up to 90 % LTV) | 84 Months | as low as 6.19% |
| New Auto (up to 90 % LTV) |
96 Months |
as low as 6.99% |
| Used Auto (up to 90 % LTV) |
60 Months |
as low as 5.79% |
| Used Auto (up to 90 % LTV) |
72 Months |
as low as 5.89% |
| Used Auto (up to 90 % LTV) | 84 Months | as low as 6.59% |
| 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.
Auto Refinance Disclaimers
*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.
*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% |
Boat Loan Disclaimers
*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 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.
RV Loan Disclaimers
*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 is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
*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 is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share 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. |
*APY= Annual Percentage Yield. Rates are subject to change without notice.1Interest is earned on balances over $500 and up to $10,000. Must have Direct Deposit and 20 Debit Card charges per month. Important Notes: Fees could reduce the earnings on accounts. View a listing of current fees imposed by the Credit Union. Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
Important Notes: Fees could reduce the earnings on accounts. There is a $10 minimum balance to open a checking account. On variable rate accounts the rate may change after the account is opened. Variable rates are accurate as of the date shown immediately above the respective rate table or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date shown immediately above the respective rate table.
Personal Certificate Rates
| Type of Account | Rate | APY* |
| 6 Months | 1.00% | 1.00% |
| 9 Months1 | 3.82% | 3.89% |
| 12 Months |
1.24% | 1.25% |
| 18 Months |
1.00% | 1.00% |
| 24 Months |
1.24% | 1.25% |
| 36 Months2 | 3.20% | 3.25% |
| 48 Months |
2.47% | 2.50% |
| 60 Months | 0.50% | 0.50% |
*APY= Annual Percentage Yield. Rates are subject to change without notice. Important Notes: Fees could reduce the earnings on accounts. View a listing of current fees imposed by the Credit Union. On variable rate accounts, the rate may change after the account is opened. Variable rates are accurate as of the date shown immediately above the respective rate table or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date shown immediately above the respective rate table.
1Rate offered only to Certificate Accounts. Minimum deposit of $1,000 is required. A penalty may be charged for early withdrawal. Rates offered are subject to change at any time without prior notice.
2Upon maturity, the Certificate term of 36 months will renew for a 36-month term at the then-prevailing rate. Rate offered only to Certificate Accounts. Opportunity to earn 4.00% APY for a 36-month IRA Certificate Account. A penalty may be charged for early withdrawal.
Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
Credit Card Rates
| Type of Account | APR* | Monthly Payment |
| Visa Platinum | 0% APR* for 18 months, then variable. 4.99% Balance Transfer fee applies.1 | 3% of balance, $25 min. |
| Visa Platinum Plus | 0% APR* for 18 months, then variable. 4.99% Balance Transfer fee applies.1 | 3% of balance, $25 min. |
| Secured Credit Card | as low as 13.74%2 APR* | 3% of balance, $25 min. |
Visa Platinum & Platinum Plus
*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 18 months, then the prevailing rate. A 4.99% 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.
*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 18 months, then the prevailing rate. A 4.99% 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.
Secured Credit Card
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%.
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%.
Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
Personal Loans
Personal Loan Rates
| Type of Account | Maximum Term | APR* |
| Signature Line of Credit |
N/A |
as low as 9.240% |
| 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 |
Signature Loan Disclaimers
*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. 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.
Signature Line of Credit Disclaimers
*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. 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.
Solar Loan Disclaimers
*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.
*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 is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share 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 5.49% APR1 fixed for 12 months, then as low as Prime2 |
| Fixed-Rate Loan |
240 Months |
As low as 6.75% APR1 |
Home Equity Line of Credit
1APR = Annual Percentage Rate. Terms, Rates, and Conditions subject to change without notice. Stated rates are based on credit worthiness and other criteria. No closing cost option requires a minimum draw of $50,000 at funding. Closing costs must be paid back if the line is closed within the first 3 years, including internal refinances. Minimum draw at funding and a minimum balance of $50,000 must be kept for at least 18 months. If the balance falls below $50,000 during the first 18 months, the introductory rate reverts to Prime Rate plus a margin. Members do not qualify for the introductory rate if they already had an introductory rate on a HELOC at Nassau Financial within the past three (3) years. 2Base rate is Prime Rate with a margin and requires Auto Transfer AND Direct Deposit. Minimum Rate is 3% and Maximum Rate (Ceiling) is 18%. Minimum line amount is $25,000 and maximum line amount is $250,000. Maximum CLTV is 80%. Subject property must be the primary residence of the applicant and located in New York State. Cooperative properties not eligible. Fixed Rate Option (FRO) available during draw period: Minimum amount is $10,000. Maximum term is 240 months. Three fixed rate advances maximum at one time during draw period. Fee of $75 per advance. FRO rates differ from HELOC rates and are based on credit report status at time of request, and other criteria. Credit reports re-pulled after 60 days and subject to new rate and re-approval. Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
Fixed-Rate Equity Loan
¹APR = Annual Percentage Rate. Terms, Rates, and Conditions subject to change without notice. Stated rates are based on credit worthiness. The loan minimum is $25,000; the loan maximum is $250,000. Primary residences in New York State only. Cooperative properties not eligible. Loan to value restrictions apply. Minimum loan amount must be $50,000 to avoid closing costs. Closing costs must be paid back if the loan is closed within the first 3 years. Additional conditions and application fees may apply. Credit reports re-pulled after 60 days and subject to new rate and re-approval. Maximum CLTV is 85%. Other details may apply. Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
First Mortgage Loan Rates
| Type of Account |
Term | Rate | APR* |
Points | Interest Type |
| Fixed Mortgage (Refinance) | 30 Years | 6.375% |
6.471% | 0 | Fixed |
| Fixed Mortgage |
20 Years | 6.375% |
6.502% | 0 | Fixed |
| Fixed Mortgage |
15 Years | 6.125% |
6.283% | 0 | Fixed |
| Fixed Mortgage |
10 Years | 6.000% |
6.223% | 0 | Fixed |
*APR=Annual Percentage Rate. APR is based on Conventional loan assuming the highest credit rating. Rates are subject to change without notice. Loans are for owner occupied primary residences in New York State only. Co-ops are not eligible. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Final rate depends upon several factors, including but not limited to, your credit history and the loan to value ratio. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rates and points can be locked only after your completed loan application is received.
Auto
Vehicle Loan Rates
| Type of Account | Maximum Term | APR* |
| New Auto (up to 90 % LTV) |
60 Months |
as low as 5.49% |
| New Auto (up to 90 % LTV) |
72 Months |
as low as 5.79% |
| New Auto (up to 90 % LTV) | 84 Months | as low as 6.19% |
| New Auto (up to 90 % LTV) |
96 Months |
as low as 6.99% |
| Used Auto (up to 90 % LTV) |
60 Months |
as low as 5.79% |
| Used Auto (up to 90 % LTV) |
72 Months |
as low as 5.89% |
| Used Auto (up to 90 % LTV) | 84 Months | as low as 6.59% |
| 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.
Auto Refinance Disclaimers
*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.
*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 Loans
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% |
Boat Loan Disclaimers
*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 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.
RV Loan Disclaimers
*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 is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.
*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 is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.