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Posts: 115
Registered: ‎05-10-2010


NFCU members please chime in, i was just sent the promissary note for the 10k LOC i was approved for i was pretty upset to see the interest rate its 15.9%!!!!  My credit cards are 12.99% i was expecting the same or less of interest rate.  Is this a normal interest rate for LOC?

Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011


Yea that's what I got too but didn't too much worry about it.  Whenever I use it, it will be sparingly anyway so no skin off of my back.  It's sure as hell better than one of those payday loans I keep hearing about Smiley Happy.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012


^^^^ this.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012


~16% is about average for the NavChek

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011


Mine is 14.9% and my cashRewards card is at 12.65%...


So ya, its higher than the credit card APR

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

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Posts: 99
Registered: ‎01-14-2013


the best apr they offer on loc is 13.9

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500

current scores: TU 761 Equifax 773Exp 742
Established Contributor
Posts: 961
Registered: ‎12-21-2010


I use my PSECU line of credit more at 12.9 Never used my NFCU.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
New Contributor
Posts: 125
Registered: ‎03-05-2013


Yup, that's pretty common.

Top 3: Amex BCP 25k - Chase Sapphire 17.5k - PSECU 20K

Starting Score: 714
Current Score: 759
Goal Score: 800

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