NBSB Consumer Loan Rates
Auto & Motorcycle | RV and Travel Trailer Loans | Recreational Loans | Personal Loans | Savings Secured Loans
All Annual Percentage Rates (APR) listed below are accurate as of May 15th 2025.
All rates, terms, and conditions are subject to change without notice.
Subject to credit approval.
Auto & Motorcycle Loans
| Type | Model Year | Terms in Months | Annual Percentage Rate (APR) | Monthly Payment per $1,000 borrowed |
|---|---|---|---|---|
| New - Special* | 2025 | 49-72 | 5.99% | $16.58 |
| New/Used | 2022-2025 | 36 | 5.99% | $30.43 |
| New/Used | 2022-2025 | 48 | 6.15% | $23.56 |
| New/Used | 2022-2025 | 60 | 6.25% | $19.46 |
| Used** | 2019-2021 | 36 | 6.75% | $30.77 |
| Used** | 2019-2021 | 48 | 6.99% | $23.95 |
| Used** | 2019-2021 | 60 | 7.25% | $19.93 |
| Used** | 2016-2018 | 48 | 8.50% | $24.66 |
| Used** | 2011-2015 | 36 | 8.99% | $31.81 |
Maximum loan to value on a new vehicle is 100% of purchase price plus sales tax. To be considered a new vehicle, the vehicle cannot have a prior owner. Maximum loan to value on a used vehicle model year 2022-2025 or older is the lessor of up to 100% of purchase price plus sales tax or NADA Clean Retail value. The rate shown reflects a 0.50% discount for direct deposit and automatic payments from a NBSB checking or savings account. Vehicle insurance is required. Other rates and terms are available.
*Minimum loan amount of $15,000.
**Maximum loan to value on a used vehicle model year 2021 or older is the lessor of up to 90% of purchase price plus sales tax or NADA Clean Retail value.
RV and Travel Trailer Loans
| Type | Model Year | Term in Months | Annual Percentage Rate (APR) | Monthly Payment per $1,000 |
|---|---|---|---|---|
| New | 2022-2025 | 12-60 | 9.25% | $20.89 |
| New | 2022-2025 | 61-120 | 10.25% | $13.36 |
| Used | 2015-2021 | 12-60 | 9.99% | $21.25 |
| Used | 2015-2021 | 61-120 | 11.99% | $14.35 |
| New RV No Title - UCC Lien | 2022-2025 | 12-60 | 9.75% | $21.13 |
| Used RV No Title - UCC Lien | 2015-2021 | 12-60 | 10.99% | $21.75 |
Maximum loan to value on a new vehicle is 100% of purchase price. Maximum loan to value on a used vehicle is the lessor of up to 90% of purchase price plus sales tax or NADA Clean Retail value. The rate shown reflects a 1.00% discount for direct deposit and automatic payments from a NBSB checking or savings account. Vehicle insurance is required. New and Used RV No Title (UCC lien) loans available at a higher APR.
Recreational Loans
| Type | Model Year | Term in Months | Annual Percentage Rate (APR) | Monthly Payment per $1,000 |
|---|---|---|---|---|
| New | 2022-2025 | 12-60 | 9.49% | $21.01 |
| New | 2022-2025 | 61-120 | 11.25% | $13.93 |
| Used | 2015-2021 | 12-60 | 10.75% | $21.63 |
Maximum loan to value on a new vehicle is 90% of purchase price. Maximum loan to value on a used vehicle is the lessor of up to 80% of purchase price plus sales tax or NADA Clean Retail value. The rate shown reflects a 1.00% discount for direct deposit and automatic payments from a NBSB checking or savings account. Vehicle insurance is required. Includes boat, snow mobile, ATV, and jet skis.
Personal Loans
| Type | Term in Months | Annual Percentage Rate (APR) | Monthly Payment per $1,000 |
|---|---|---|---|
| Personal Loan | 36 | 14.49% | $34.43 |
Maximum loan amount of $7500. The rate shown reflects a 1.00% discount for direct deposit and automatic payments from a NBSB checking or savings account.
Savings Secured Loans
| Type | Term in Months | Annual Percentage Rate (APR) | Monthly Payment per $1,000 |
|---|---|---|---|
| Up to 60 | 4% above rate of secured account | $18.54 | |
Savings Secured | Up to 60 | 9.49% | $21.01 |
*Minimum loan amount of $500. Maximum loan amount up to 95% of secured account. Payment amount shown assumes an APR of 4.25%. Your monthly payment will vary based on the loan amount and term. Actual payment amounts may be higher. Rate and payment may increase after consummation.
**Minimum loan amount of $500. Maximum loan amount of $2500. The savings account securing the loan must have a minimum balance equal to the loan amount plus the total interest due for the life of the loan. Other restrictions and conditions may apply. Credit rating improvement results not guaranteed. Failure to make required monthly minimum payments on or before the payment due date will result in negative reporting to the credit bureau and will not improve your credit score.
