Loan Rates
Revised: June 22, 2011
All rates subject to change
New or Used Vehicles and Motorhomes
Model Year |
Rate/Term |
|
36 Months |
48 Months |
60 Months |
72 Months |
2008 and Newer |
2.99% |
3.49% |
3.49% |
3.99% |
|
36 Months |
2007 and Older |
5.99% |
Fixed Rate Home Equity Loans, Motor Homes, Campers, Large Boats, Airplanes
4.99% |
5 Year Maximum Term |
5.49% |
7 Year Maximum Term |
5.75% |
10 Year Maximum Term |
5.99% |
15 Year Maximum Term |
Up To 100% Financing Available For New Purchases.
Home Equity Line of Credit
5.00% - One Year Adjustable Rate |
10 Year Maximum Term |
Snowmobiles, ATVs, Small Boats, Computers, Commercial Equipment*
5.99% |
3 Year Maximum Term |
* Longer terms available for Commercial Equipment
Unsecured Loans
9.99% |
Line of Credit |
9.99% |
VISA® |
9.99% |
Signature |
Savings Secured Loans
2.00% Above Dividend Rate |
Share or Term Share (Certificate) Secured |
Home Mortgages
NSFCU offers a complete line of first mortgage loans including secondary market,
in-house, construction, fixed and adjustable rate loans.
Please speak to a lender for up to the minute rates and terms.
Deposit Rates
Revised: September 8, 2011
All rates subject to change.
Term Share (Certificate) Accounts (1)
Term |
Minimum
|
Savings Certificates APY* / Dividend Rate |
IRA / Roth IRA Certificates APY* / Dividend Rate |
6 Months |
$500.00 |
.50% /.50% |
.50% / .50% |
12 Months |
$500.00 |
.75% / .75% |
.75% / .75% |
18 Months |
$500.00 |
.75% / .75% |
.75% / .75% |
24 Months |
$500.00 |
1.25% / 1.24% |
1.25% / 1.24% |
36 Months |
$500.00 |
1.50% / 1.49% |
1.50% / 1.49% |
48 Months |
$500.00 |
1.75% / 1.74% |
1.75% / 1.74% |
60 Months |
$500.00 |
2.00% / 1.98% |
2.00% / 1.98% |
All Savings/IRA Certificates compound and pay dividends monthly.
**Youth Advantage Term Share Certificate; $25.00 Minimum; Issued Through Age 21.
Money Market Term Share (Certificate) Accounts(1)
Term |
Minimum |
APY2 / Dividend Rate |
Dividend |
3 Months |
$10,000.00 |
.50% / .50% |
Compounded/Paid Monthly |
Other Deposit Products
Account |
APY* / Dividend Rate |
Dividend |
Patronage Reward Share |
10.00% / 9.57% |
Compounded/Paid Monthly |
Advantage Checking
|
.25% / .25%
|
Compounded/Paid Monthly Avg. Monthly Balance of $1000 to earn dividends |
Community Advantage Checking
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 and greater
|
.25% / .25%
.35% / .35%
.50% / .50% |
Compounded/Paid Monthly
Avg. Monthly Balance of $1000 to earn dividends |
Share Savings |
.25% / .25% |
Compounded/Paid Monthly |
Secondary Share Savings |
.25% / .25% |
Compounded/Paid Monthly |
Holiday Club |
.25% / .25% |
Compounded/Paid Monthly |
Money Market Account
$2,500.00 - $9,999.99
$10,000.00–$24,999.99
$25,000.00-$49,999.99
$50,000.00-$74,999.99
$75,000.00 and greater
|
.50% / .50%
.50% / .50%
.55% / .55%
.55% / .55%
.60% / .60%
|
Compounded/Paid Monthly
|
Traditional/Roth IRA Savings
Health Savings Account
$0-$9,999.99
$10,000.00-$24,999.99
$25,000.00-$49,999.99
$50,000.00-$74,999.99
$75,000.00 and greater |
.50% / .50%
.50% / .50%
.55% / .55%
.55% / .55%
.60% / .60%
|
|
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.
1 - A penalty may be imposed for early withdrawal
* - APY = Annual Percentage Yield |
