All Rates
Investment Property Loan Rates
Effective December 17, 2025
Rates are subject to change at any time.
We are not responsible for typographical errors.
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Contact Member Services at (973) 471-0700 ext. 117
APR = Annual percentage rate
APY = Annual percentage yield
Category
Personal Loans
12 Year Fixed
from 7.000%
from 7.000%
15 Year Fixed
from 7.000%
from 7.000%
5ARM/15/30 Year Balloon
from 6.875%
from 6.875%
7/30 Year Balloon
from 7.125%
from 7.125%
10/25 Year Balloon
from 7.250%
from 7.250%
10/30 Year Balloon
from 7.375%
from 7.375%
12/30 Year Balloon
from 7.500%
from 7.500%
15/30 Year Balloon
from 7.625%
from 7.625%
10 Month Share Certificate Special
2.838%
2.875%
11 Month Share Certificate Special
2.594%
2.625%
12 Month Share Certificate
0.500%
0.500%
15 Month Share Certificate
0.500%
0.500%
18 Month Share Certificate
0.550%
0.550%
19 Month Share Certificate Special
2.350%
2.375%
24 Month Share Certificate
0.550%
0.550%
25 Month Share Certificate
0.550%
0.550%
36 Month Share Certificate
0.800%
0.800%
60 Month Share Certificate
0.900%
0.900%
6 Month JUMBO Share Certificate
0.450%
0.450%
12 Month JUMBO Share Certificate
0.500%
0.500%
18 Month JUMBO Share Certificate
0.550%
0.550%
12 Month Custodial Share Certificate ($1,000 min balance)
0.500%
0.500%
Regular Share (Savings)
0.050%
0.050%
Share Draft (Checking)
0.020%
0.020%
Displayed rates reflect a 0.25% discount with automatic transfer from your Nova UA checking account. If you choose not to set up automatic transfer, your rate will be 0.25% higher.
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