ATV, Auto or Boat Loans

The consistent way to attack larger purchases.

Overview
Fast approval with convenient terms.

Features
  • Secured and unsecured options
  • Fixed monthly payments
  • Flexible repayment terms
  • Credit decision made locally

Overdraft Protection and Lines of Credit*

Here for the unexpected.

Overview

Piece-of-mind protection with credit decisions made locally.

Features
  • Unsecured
  • Automatic payment required from a National Bank of Commerce checking account
  • Payment based on percentage of unpaid balance

Home Equity Loans*

Put your investment to work for you.

Overview
A fixed interest rate and fixed payments make it easy to budget.

Features
  • Fixed rate loan
  • Fixed payments
  • No prepayment penalty
  • Flexible loan-to-value ratio
  • Minimal closing costs
  • Potential tax benefit*
  • Credit decision made locally

Home Equity Line of Credit*

There when you need it.

Overview
A flexible line of credit that you can draw from when you need it. For a new car, vacation or home improvement.

Features
  • Variable rate line of credit
  • Interest-only payments available
  • No prepayment penalty
  • Minimal closing costs
  • Five year draw period
  • Potential tax benefit**
  • Credit decision made locally

* Subject to credit approval.
** Consult a tax advisor regarding the deductibility of interest.


2.59% APR is based on the lowest interest rate available. A higher interest rate may apply for not having automatic payments from an NBC deposit account. Automatic payments are not required for loan approval. APRs as low as 2.59% are available for 5-year 2016-2014 model year motor vehicle secured loans at 100% loan-to-value (LTV) or less and credit scores of 750 or above. Loan payment and APR will vary based on the loan amount, the term, credit score and any fees. Loan origination fee is typically $25. Loan payment example: a $10,000 automobile loan at 2.49% interest rate for 60 months with a $25 origination fee will have a 2.59% APR and a $177.88 monthly payment. Title registration fees are determined by state of residence. Interest rate may be higher depending on credit history, down payment, collateral, loan amount and term length. Subject to loan approval. Rates, terms and conditions may change at any time. Promotion is not valid for refinances of current NBC loans.