Loans


Loans ***

For decades, credit unions had a reputation of not charging a variety of fees like other lending institutions. The cost of doing business in today’s economy has changed that practice for most credit unions in order to cover some expenses and stay competitive.

Loan Application

Saint Nicholas Federal Credit Union Loan Rates

Loan Type Rate * Limit Duration
Used Auto 5% Up to $20,000 5 Years
Over $20,000 6 Years
Over $30,000 7 Years
Recreational Vehicles 6% Up to $35,000 10 Years
New Auto 3% Up to $20,000 5 Years
Over $20,000 6 Years
Over $30,000 7 Years
Signature 10% Max $7,500 5 Years
Personal-2 ** 7% Max $5,000 2 Years
Personal-3 8% Max $5,000 3 Years
Personal-4 9% Max $5,000 4 Years
Share Secure DIV RATE +2% Share Balance Limit Based on Shares
Cosigner (2 applicants) 10% $10,000 5 Years **

* Rate can be lowered by 0.50% if member pays by automatic deposit or bill-pay.

** Treasurer can negotiate a lower rate if member chooses a shorter time period.

*** ALL LOANS REQUIRE A MINIMUM OF 1 LOAN PAYMENT IN THE SHARES ACCOUNT

ALL LOANS ARE SUBJECT TO A DEBT-TO-INCOME RATIO OF .44% OR LOWER.

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  • Physical Address
    254 South Washington Street
    Wilkes-Barre, PA 18701
  • Postal Address
    P. O. Box 1213
    Wilkes-Barre, PA 18703-1213
  • Hours
    Monday Nights 6:00 PM to 8:30 PM
    Any other time by appointment
    Located in Saint Nicholas Convent
  • Phone
    (570) 825-2640
  • Fax
    (570) 970-2895