Auto Loans

NEA has the right loan for you if you are buying a new or a used car, truck, or motorcycle.
We will finance up to 100% of the purchase price including tax and tags. If you are buying a used car, we can help you establish the value based on the NADA appraisal book, and you can negotiate for the best price.

As you are going through the process of looking for a new vehicle, come to NEA first for a pre-approval, so you will know exactly what your top dollar is for your car. This will also save you time and give you negotiating power at a dealership because you won’t have to sit and hassle with dealer financing. We offer excellent auto loan rates and a variety of terms to choose from so contact us today at (855) NEA-4YOU (855-632-4968).

Apply Today!


As a member of NEA FCU, you also have access to our exclusive new auto buying resource that puts the power of car buying at your fingertips. This exciting tools helps you find the right car, the right loan, and the right fit for your budget.

  • Search local dealerships for both new and pre-owned vehicles
  • Research vehicles to find the one that best meets your needs
  • Free Carfax report when available
  • Edmunds.com True Market Value price
  • Compare multiple vehicles
  • Payment calculator
  • Get pre-approved for a loan
  • And more!


Complete this coupon and redeem at any NEA FCU branch for .25% APR* off your next auto loan. Valid for new, pre-owned, and refinanced vehicles.

Enjoy the sunshine, roll down your windows, and get moving with a low rate Auto Loan with affordable payments.

Not looking for a new ride, but want to lower your payments? Come see us about refinancing your current loan and we will beat your current auto rate by .25% **.

Apply today at any of our branches, call (855) NEA-4YOU, or online and enjoy the savings!

*APR is Annual Percentage Rate. Restrictions apply. Cannot refinance a current NEA FCU loan. Rates are based on our underwriting guidelines and are subject to change. $25 application fee required (refunded / credited at loan closing). Limited time offer.
** Floor limit is 1.69%

Personal Loans

Signature Loan

Use an NEAFCU Signature Loan to help you with your smaller unplanned expenses. Whether it is a dream vacation or help with holiday expenses, we offer competitive rates and terms to suit your needs.

  • Unsecured loans up to $15,000
  • Secured loans

Apply Today!



Mortgage & Home Equity Loans


Owning a home isn’t as easy to do these days so NEA has mortgage products that reflect our “people are worth more than money” philosophy with a process that’s fast and hassle-free. We will walk you through the process and help you find the product that suits your needs best. The terms are just as people-friendly:

  • Fixed and adjustable-rate mortgages
  • The competitive interest rates we offer our members every single day
  • Low down payments, so you keep more of your hard-earned savings
  • Flexible terms, including lock-in and float options for the best possible rate
  • Affordable closing cost programs to save you money

Pre-qualify Today! Check your OwnersChoice Funding mortgage status

Home Equity Lines of Credit (HELOC):

A Home Equity Line of Credit at NEA helps you optimize the equity in your home so you can get more for less. Go on and tackle those home improvement projects, help pay for tuition, or consolidate your debt. All NEA Home HELOCs offer:

  • Low interest rates
  • Fast processing
  • Variable rates with flexible terms
  • Interest paid may be tax deductible – check with your tax advisor

Let the equity in your home work for you with a 100% combined loan to value home equity line of credit from NEA

  • • 100% CLTV
  • • Prime +4% (variable rate)
  • • No closing costs (up to $150,000)
  • • Must draw $10,000 at closing and maintain a balance for the first 3 years of the loan
  • • 10 year draw
  • • 15 year amortization
  • • 20 year loan life
  • • NY, NJ, CT properties only

Use our HELOC Application Instruction Form to make applying fast and easy!

Apply Today!

View the Home Equity Early Disclosure