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Rates

Our Current Rates

Effective as of 11/30/2021

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. 

Checking & Savings Rates

Type of Account
Variable Dividend Rate
APY*
Minimum Balance to Earn APY
Regular & Youth Shares 0.01%
0.01% $5 Adults /$5 Youth
Youth Savers Pro/Age 0 thru 11 0.01%
0.01% $5.00
Youth Savers Pro/ Age 12 thru 22 0.01% 0.01% $5.00 Rate requires Checking Acct
IRA 0.01% 0.01% None
Saver's Edge 0.01% 0.01% None
Saver's Edge 0.01% 0.01% $5,000.00
Saver's Edge 0.01% 0.01% $25,000.00
Saver's Edge 0.01% 0.01% $50,000.00
Saver's Edge 0.01% 0.01% $75,000.00
SmartSaver IRA 0.01%
0.01% None
SmartSaver IRA 0.01%
0.01% $5,000.00
SmartSaver IRA 0.01%
0.01% $25,000.00
SmartSaver IRA 0.01%
0.01% $50,000.00
SmartSaver IRA 0.01%
0.01% $75,000.00
Club Accounts 0.01%
0.01% None
MyFree Checking
0.00% 0.00% $10 to open; Debit Card; Valid e-mail address; Share Savings Account


*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. 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

Relationship Rate - Checking and other accounts required1
Type of Account Rate APY*
6 Months
0.05  % 0.05%
12 Months
0.40 % 0.40%
18 Months
0.40% 0.40%
24 Months
0.40% 0.40%
36 Months
0.60% 0.60%
48 Months
0.60% 0.60%
60 Months 0.60% 0.60%

Base Rate - Regular Certificates on deposit ONLY
Type of Account Rate APY*
6 Months 0.01% 0.01%
12 Months 0.30% 0.30%
18 Months 0.30% 0.30%
24 Months 0.30% 0.30%
36 Months 0.50% 0.60%
48 Months 0.50% 0.50%
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.
1) Relationship Certificate Rate requires a Share Account, a Certificate Account, a Checking Account with monthly Direct Deposit of $250 or more, plus a Loan Balance of $5,000 or more, in order to earn the Relationship Rate. IRA Certificate Accounts qualify for the Relationship Rate. $500.00 minimum opening balance for Coverdell Education Savings Account Certificates. A penalty may be charged for early withdrawal from Certificates. Contact a Service Representative for further information about applicable fees and terms. For current information, please call 516.742.4900.

Credit Card Rates

Type of Account APR* Monthly Payment
Visa Platinum 0%APR* for 12 months, then variable. 3% Balance Transfer fee applies.2 3% of balance, $25 min.
Visa Platinum Plus 0%APR* for 12 months, then variable. 3% Balance Transfer fee applies.2 3% of balance, $25 min.
Secured Credit Card as low as 9.49%1 3% of balance, $25 min.

*APR = Annual Percentage Rate. 1Rate 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 VISA Platinum Plus 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%. 2Get 0% APR on all balance transfers for the first 12 months, then the prevailing VISA Platinum Plus 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.

Personal Loan Rates

Type of Account Maximum Term APR*
Signature Line of Credit
N/A 
as low as 7.250%
Signature Loan
4-60 Months 
as low as 6.750%
Solar Loans
up to 120 Months 
as low as 4.75 %
Vacation Loans up to 24 Months as low as 4.500%
Share Secured
up to 120 Months 
3.50% + current Dividend Rate
Share Certificate Secured
6 to 60 Months
3.5% + Dividend Rate being earned on Certificate



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.
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.
Vacation 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 $5,000. Nassau Financial’s cumulative unsecured loan &/or line of credit balance maximum is $40,000 depending on creditworthiness. Rate offer quoted, Terms & Conditions may change at any time. Must apply for a loan between 8/1/2021 - 8/31/2021 and loan must be funded before 9/30/2021.

Membership open to those who live, work, worship, volunteer, or go to school in Nassau 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 1.49% fixed1 for 18 months, then Variable as low as Prime minus .25% for Life2
 
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 $45,000 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 $45,000 must be kept for at least 18 months. If the balance falls below $45,000 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 minus .25 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 75%. Subject property must be the primary residence of the applicant and located in New York State. Fixed Rate Option (FRO) available during draw period: Minimum amount is $10,000. Maximum term is 60 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. Other details may apply. Membership is open to those who live, work, worship, go to school, or volunteer in Nassau County, NY.

First Mortgage Loan Rates

Type of Account
Term Rate APR*
Points Interest Type
Fixed Mortgage
30 Years 3.125 %
3.186 %
0 Fixed
Fixed Mortgage
20 Years 2.875 %
2.961 %
0 Fixed
Fixed Mortgage
15 Years 2.500%
2.610%
Fixed
Fixed Mortgage
10 Years 2.125%
2.285%
0 Fixed
5/6 mos ARM
30 Years 2.875% 3.190%
0 Adjustable

For Jumbo Mortgage Rates or a personalized quote
*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 2.25%
New Auto (up to 90 % LTV)
72 Months 
as low as 2.25%
New Auto (up to 90 % LTV) 84 Months as low as 2.25%
New Auto (up to 90 % LTV)
96 Months 
as low as 3.60%
Used Auto (up to 90 % LTV)
60 Months 
as low as 2.25%
Used Auto (up to 90 % LTV)
72 Months 
as low as 2.25%
Used Auto (up to 90 % LTV) 84 Months as low as 2.25%
Auto Refinance up to 60 days payment deferral.1


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. 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. 160-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. Vehicles with commercial plates cannot be financed as a consumer auto loan.

Membership open to those who live, work, worship, volunteer, or go to school in Nassau 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.

Recreational Vehicle Loan Rates

Type of Account Maximum Term APR*
New Boat
24 to 60 Months 
as low as 4.120%
New Boat
72 Months 
as low as 4.240%
New Boat
84 Months 
as low as 4.370%
Used Boat
24 to 60 Months 
as low as 4.620 %
Used Boat
72 Months 
as low as 4.740 %
Used Boat
84 Months 
as low as 4.870%
New RV
24 to 60 Months 
as low as 3.990%
New RV
72 Months 
as low as 3.990%
New RV
84 Months 
as low as 4.340%
Used RV
24 to 60 Months 
as low as 4.200%
Used RV
72 Months 
as low as 4.500%
Used RV
84 Months 
as low as 4.95%
Extended New Boat
120 Months 
as low as 4.490%
Extended New Boat
180 Months 
as low as 4.620%
Extended New Boat
240 Months as low as 4.740%
Extended Used Boat
120 Months 
as low as 4.990%
Extended Used Boat
180 Months 
as low as 5.120%
Extended Used Boat
40 Months 
as low as 5.240%
Extended New RV
120 Months  as low as 5.290%
Extended New RV
180 Months 
as low as 6.040%
Extended New RV
240 Months 
as low as 6.290%
Extended Used RV
120 Months 
as low as 5.900%
Extended Used RV
180 Months 
as low as 6.500%
Extended Used RV
240 Months
as low as 6.900%
Motorcycle
24 to 60 Months as low as 4.750%


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.
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 open to those who live, work, worship, volunteer, or go to school in Nassau 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 0.01%
0.01% $5 Adults /$5 Youth
Youth Savers Pro/Age 0 thru 11 0.01%
0.01% $5.00
Youth Savers Pro/ Age 12 thru 22 0.01% 0.01% $5.00 Rate requires Checking Acct
IRA 0.01% 0.01% None
Saver's Edge 0.01% 0.01% None
Saver's Edge 0.01% 0.01% $5,000.00
Saver's Edge 0.01% 0.01% $25,000.00
Saver's Edge 0.01% 0.01% $50,000.00
Saver's Edge 0.01% 0.01% $75,000.00
SmartSaver IRA 0.01%
0.01% None
SmartSaver IRA 0.01%
0.01% $5,000.00
SmartSaver IRA 0.01%
0.01% $25,000.00
SmartSaver IRA 0.01%
0.01% $50,000.00
SmartSaver IRA 0.01%
0.01% $75,000.00
Club Accounts 0.01%
0.01% None
MyFree Checking
0.00% 0.00% $10 to open; Debit Card; Valid e-mail address; Share Savings Account


*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. 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

Relationship Rate - Checking and other accounts required1
Type of Account Rate APY*
6 Months
0.05  % 0.05%
12 Months
0.40 % 0.40%
18 Months
0.40% 0.40%
24 Months
0.40% 0.40%
36 Months
0.60% 0.60%
48 Months
0.60% 0.60%
60 Months 0.60% 0.60%

Base Rate - Regular Certificates on deposit ONLY
Type of Account Rate APY*
6 Months 0.01% 0.01%
12 Months 0.30% 0.30%
18 Months 0.30% 0.30%
24 Months 0.30% 0.30%
36 Months 0.50% 0.60%
48 Months 0.50% 0.50%
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.
1) Relationship Certificate Rate requires a Share Account, a Certificate Account, a Checking Account with monthly Direct Deposit of $250 or more, plus a Loan Balance of $5,000 or more, in order to earn the Relationship Rate. IRA Certificate Accounts qualify for the Relationship Rate. $500.00 minimum opening balance for Coverdell Education Savings Account Certificates. A penalty may be charged for early withdrawal from Certificates. Contact a Service Representative for further information about applicable fees and terms. For current information, please call 516.742.4900.

Credit Card Rates

Type of Account APR* Monthly Payment
Visa Platinum 0%APR* for 12 months, then variable. 3% Balance Transfer fee applies.2 3% of balance, $25 min.
Visa Platinum Plus 0%APR* for 12 months, then variable. 3% Balance Transfer fee applies.2 3% of balance, $25 min.
Secured Credit Card as low as 9.49%1 3% of balance, $25 min.

*APR = Annual Percentage Rate. 1Rate 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 VISA Platinum Plus 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%. 2Get 0% APR on all balance transfers for the first 12 months, then the prevailing VISA Platinum Plus 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.

Personal Loan Rates

Type of Account Maximum Term APR*
Signature Line of Credit
N/A 
as low as 7.250%
Signature Loan
4-60 Months 
as low as 6.750%
Solar Loans
up to 120 Months 
as low as 4.75 %
Vacation Loans up to 24 Months as low as 4.500%
Share Secured
up to 120 Months 
3.50% + current Dividend Rate
Share Certificate Secured
6 to 60 Months
3.5% + Dividend Rate being earned on Certificate



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.
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.
Vacation 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 $5,000. Nassau Financial’s cumulative unsecured loan &/or line of credit balance maximum is $40,000 depending on creditworthiness. Rate offer quoted, Terms & Conditions may change at any time. Must apply for a loan between 8/1/2021 - 8/31/2021 and loan must be funded before 9/30/2021.

Membership open to those who live, work, worship, volunteer, or go to school in Nassau 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 1.49% fixed1 for 18 months, then Variable as low as Prime minus .25% for Life2
 
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 $45,000 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 $45,000 must be kept for at least 18 months. If the balance falls below $45,000 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 minus .25 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 75%. Subject property must be the primary residence of the applicant and located in New York State. Fixed Rate Option (FRO) available during draw period: Minimum amount is $10,000. Maximum term is 60 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. Other details may apply. Membership is open to those who live, work, worship, go to school, or volunteer in Nassau County, NY.

First Mortgage Loan Rates

Type of Account
Term Rate APR*
Points Interest Type
Fixed Mortgage
30 Years 3.125 %
3.186 %
0 Fixed
Fixed Mortgage
20 Years 2.875 %
2.961 %
0 Fixed
Fixed Mortgage
15 Years 2.500%
2.610%
Fixed
Fixed Mortgage
10 Years 2.125%
2.285%
0 Fixed
5/6 mos ARM
30 Years 2.875% 3.190%
0 Adjustable

For Jumbo Mortgage Rates or a personalized quote
*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 2.25%
New Auto (up to 90 % LTV)
72 Months 
as low as 2.25%
New Auto (up to 90 % LTV) 84 Months as low as 2.25%
New Auto (up to 90 % LTV)
96 Months 
as low as 3.60%
Used Auto (up to 90 % LTV)
60 Months 
as low as 2.25%
Used Auto (up to 90 % LTV)
72 Months 
as low as 2.25%
Used Auto (up to 90 % LTV) 84 Months as low as 2.25%
Auto Refinance up to 60 days payment deferral.1


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. 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. 160-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. Vehicles with commercial plates cannot be financed as a consumer auto loan.

Membership open to those who live, work, worship, volunteer, or go to school in Nassau 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.

Recreational Vehicle Loan Rates

Type of Account Maximum Term APR*
New Boat
24 to 60 Months 
as low as 4.120%
New Boat
72 Months 
as low as 4.240%
New Boat
84 Months 
as low as 4.370%
Used Boat
24 to 60 Months 
as low as 4.620 %
Used Boat
72 Months 
as low as 4.740 %
Used Boat
84 Months 
as low as 4.870%
New RV
24 to 60 Months 
as low as 3.990%
New RV
72 Months 
as low as 3.990%
New RV
84 Months 
as low as 4.340%
Used RV
24 to 60 Months 
as low as 4.200%
Used RV
72 Months 
as low as 4.500%
Used RV
84 Months 
as low as 4.95%
Extended New Boat
120 Months 
as low as 4.490%
Extended New Boat
180 Months 
as low as 4.620%
Extended New Boat
240 Months as low as 4.740%
Extended Used Boat
120 Months 
as low as 4.990%
Extended Used Boat
180 Months 
as low as 5.120%
Extended Used Boat
40 Months 
as low as 5.240%
Extended New RV
120 Months  as low as 5.290%
Extended New RV
180 Months 
as low as 6.040%
Extended New RV
240 Months 
as low as 6.290%
Extended Used RV
120 Months 
as low as 5.900%
Extended Used RV
180 Months 
as low as 6.500%
Extended Used RV
240 Months
as low as 6.900%
Motorcycle
24 to 60 Months as low as 4.750%


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.
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 open to those who live, work, worship, volunteer, or go to school in Nassau 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.