Current Rates
Loan Rates
(Annual Percentage Rate is accurate as of 3/11/2010 9:55:46 PM)
| Loan Type |
APR1 |
| Cars/Trucks – Purchase or Refinanced |
5.99% – 17.99%2 |
| Visa® Platinum Credit Card |
8.25% – 17.25%3 |
| Quickline Line of Credit |
18.00% |
| SelectLine Line of Credit |
8.25%4 |
| Signature Loans |
8.25%4 |
| Mortgage |
Check Rates |
| Home Equity Line of Credit |
4.00%6 |
| Second Trust Deed (Up to 180 months) |
6.50% – 7.75%5 |
| New Motorhomes, Boats & Trailers |
as low as 9.00% |
| Used Motorhomes, Boats & Trailers (Maximum Age: 8 years) |
as low as 10.00% |
| New Motorcycles (2009 – 2008) |
6.50% – 10.75%2 |
| Used Motorcycles (2009 – 2007) |
6.50% – 12.00%2 |
| New Recreational Equipment (2009 – 2008) |
7.00% – 15.50%2 |
| Used Recreational Equipment (2009 – 2007) |
7.25% – 16.00%2 |
All rates are Annual Percentage Rates. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change.
1 APR = Annual Percentage Rate
2 Auto Loan Rates are determined by individual credit standing, collateral age, collateral value, and loan term.
3 Currently Visa® variable APRs are between 8.25% and 17.25%, depending on your credit history and other factors. Rates may change quarterly based on the Prime Rate. Credit Card Rates, Fees and Cost Information.
4 8.25% rate is variable at 5% over Prime Rate, adjusted quarterly, not to exceed 18% Annual Percentage Rate.
5 Second Trust Deed rates are determined by individual credit standing and loan to value.
6 Rate is priced at Prime Rate (with a floor of 4.00%), adjusted quarterly, not to exceed 18% Annual Percentage Rate.
Savings Rates
(Annual Percentage Yield is accurate as of
)
| Account Type |
Minimum Balance
To Earn Dividends |
Dividend Rate |
APY* |
| Primary Savings |
$0 – Up |
0.05% |
0.05% |
| Holiday Club |
$0 – Up |
0.05% |
0.05% |
| Special Shares |
$0 – Up |
0.05% |
0.05% |
| Checking |
$10,000 – Up |
0.05% |
0.05% |
| MoneyMaker ** |
$5,000 – $24,999.99 |
0.00% |
0.00% |
| MoneyMaker ** |
$25,000 – Up |
0.00% |
0.00% |
| MoneyMaker IRA** |
$0 – $24,999.99 |
0.00% |
0.00% |
| MoneyMaker IRA** |
$25,000 – Up |
0.00% |
0.00% |
| Preferred Money Market *** |
$0 – Up |
0.25% |
0.25% |
* APY = Annual Percentage Yield
** Minimum $5,000 to open account.
*** To be eligible to open a Preferred Money Market, you must have $25,000 invested through NFCU investment department or in an eVision® self-directed account.
Regular and IRA Share Certificates
Regular and IRA Share Certificates Minimum Balance $1,000
(Annual Percentage Yield is accurate as of
)
| Certificate Term |
Dividend Rate |
APY* |
| 3-Month |
0.00% |
0.00% |
| 6-Month |
0.00% |
0.00% |
| 1-Year |
0.00% |
0.00% |
| 2-Year |
0.00% |
0.00% |
| 3-Year |
0.00% |
0.00% |
| 4-Year |
0.00% |
0.00% |
* APY = Annual Percentage Yield
Minimum balance to earn dividends on share certificates is $1,000. Ask for more information regarding fees and terms on savings, checking and certificate accounts. A substantial penalty is assessed on funds withdrawn prior to maturity on all certificate accounts. All savings, checking and certificate rates are variable and subject to change by the Board of Directors. Fees or other conditions could reduce the earnings on accounts.
|
RSS / Video Tutorials
Certificate Rates