ATV Loans

VT and NH ATV Loans

Whether for work or play, get out on an ATV and enjoy the fun of living in Vermont or New Hampshire! Many of our members enjoy riding the ATV trails or an adventure right in their backyard.

At Northern Lights Credit Union we can get you into an All Terrain Vehicle (ATV), Utility Terrain Vehicle (UTV), side-by-side, golf cart, powersport or power equipment with great low rates similar to our car and truck loans.

And if you've already financed an ATV, contact us in Saint Johnsbury VT or Littleton NH to see about moving your existing loan to the credit union. We may be able to save you money and it's worth the call!

Not a Member? Get Started! Already a Member? Apply Here!

Current Rate Specials

Please call for current rates! 802.748.2288 or 603.444.9964

Resources

Educational Videos

FAQs

  • Online Loan Application
  • Phone our customer service to have an application mailed to you: 800-856-0026
  • Visit a local Branch

No, you can apply by phone without being a member, however, you must be eligible for membership. Prior to the loan being funded, you will need to establish a NLCU membership and a Savings Account.
Call our Branch locations for assistance.
St. Johnsbury, VT - 800.856.0026
Littleton, NH - 800.370.6455

Member-owners must be at least 18 years old or be accompanied by a parent or guardian to apply for a loan with Northern Lights.

Ways to Apply

You must first become a member of Northern Lights if you already are not.

The credit union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Transaction Limits

When it comes to transactions, all accounts are not created equal. There are "transaction accounts," such as share draft checking accounts, that offer unlimited transactions in virtually any form. Then there are "non-transaction accounts" that are intended to foster fewer transactions. Federal law limits the transactions that can be made on share savings and money market accounts, which fall into this category.

What are the limits?
Federal Regulation D states that you may make no more than six (6) automatic or preauthorized transfers from your share savings or money market account per calendar month or statement cycle. (The monthly limit is based on when the transaction is processed, not when the check or item was written or authorized.) If you make a combination of checks/drafts and automatic or preauthorized withdrawals, the total limit is still six.

Transaction Limits by Month Checking Savings Money Market
Deposits
     In Person unlimited unlimited unlimited
     By Transfer (i.e., direct deposit of payroll or Social Security) unlimited unlimited unlimited
     By Mail unlimited unlimited unlimited


Transfers Between Accounts at the NLCU
     In Person (or by messenger) unlimited unlimited unlimited
     At an ATM unlimited unlimited unlimited
     By Mail unlimited unlimited unlimited
     Pre-Authorized or Automatic Withdrawals unlimited six six
     By Pre-Authorized Transfer to pay a NLCU Loan (incl. Visa, Mortgage, or Credit Union fees) unlimited unlimited unlimited
     Through the Internet (CU AnyHour+) unlimited six six
     By Automated Phone System (TeleAction) unlimited six six
      By Phone Contact to a Telephone Representative unlimited six six


Transfers to Third Parties
     By Check or Share Draft unlimited n/a six
     By Debit Card/Check Card unlimited six six
     By Automated Phone System (TeleAction) unlimited six six
     By Phone Contact to a Telephone Representative unlimited six six
     By Pre-Authorized Transfer (ACH) or Automatic Transfer unlimited six n/a
     Using Bill Pay unlimited six six
     By Fax unlimited six six


Withdrawals
     In Person unlimited unlimited unlimited
     At an ATM unlimited unlimited unlimited
     Through the Internet (CU AnyHour+) with the check or share draft made payable to the member and mailed to his or her address. unlimited unlimited unlimited
     By fax with the check or share draft made payable to the member and mailed to his/her address. unlimited unlimited unlimited
     By telephone with the check or share draft made payable to the member and mailed to his/her address unlimited unlimited unlimited



*The Credit Union may require a member to give at least 7 days' notice before funds can be withdrawn - transaction restrictions as imposed by Regulation D.

Calculators


The Financial Calculators calculated values are purely estimates and are not representative of actual payment amounts. The accuracy of the results is not guaranteed. Differences between these results and results provided by your financial institutions are probably due to rounding or slight differences in the mathematical formulas and/or assumptions used.
The Credit Union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.