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Interest Rate Info

Loan Rates
Revised: September 2, 2010
All rates subject to change

New or Used Vehicles

Model Year

Rate/Term

 

60 Months

72 Months

2010 (and 2009 not previously titled)

5.25%

5.49%

2009, 2008, 2007

5.49%

Not Available

 

36 Months

2006 and Older

6.49%

 Fixed Rate Home Equity Loans, Motor Homes, Campers, Large Boats, Airplanes

5.99%

  5 Year Maximum Term

6.49%

  7 Year Maximum Term

6.99%

10 Year Maximum Term

7.49%

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*

6.99%

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 2, 2010
All rates subject to change.

Certificate Specials!

   
Term


Minimum

Savings Certificates APY*  / Dividend Rate

IRA / Roth IRA Certificates APY* / Dividend Rate

54 Months

$5,000.00

3.00% / 2.96%

3.00% / 2.96%

Term Share (Certificate) Accounts (1)

   
Term


Minimum

Savings Certificates APY*  / Dividend Rate

IRA / Roth IRA Certificates APY* / Dividend Rate

6 Months

$500.00

1.00% / 1.00%

1.00% / 1.00%

12 Months

$500.00

1.50% / 1.49%

1.50% / 1.49%

18 Months

$500.00

1.50% / 1.49%

1.50% / 1.49%

24 Months

$500.00

1.75% / 1.74%

1.75% / 1.74%

36 Months

$500.00

2.00% / 1.98%

2.00% / 1.98%

48 Months

$500.00

2.25% / 2.23%

2.25% / 2.23%

60 Months

$500.00

2.50% / 2.47%

2.50% / 2.47%

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

1.25% / 1.24%

Compounded/Paid Monthly

 Other Deposit Products

Account

APY*  / Dividend Rate

Dividend

Patronage Rebate Share
10.00% / 9.57%
Compounded/Paid Monthly

Advantage Checking
Superior Plan Checking

.50% / .50%

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

 

.50% / .50%
.75% / .75%
1.00% / 1.00%

 

Compounded/Paid Monthly
Avg. Monthly Balance of $1000 to earn dividends

Share Savings

.50% / .50%

Compounded/Paid Monthly

Secondary Share Savings

.50% / .50%

Compounded/Paid Monthly

Holiday Club

.50% / .50%

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


1.00% / 1.00%
1.00% / 1.00%
1.10% / 1.09%
1.20% / 1.19%
1.25% / 1.24%

   


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  

 

1.00% / 1.00%
1.00% / 1.00%
1.10% / 1.09%
1.20% / 1.19%
1.25% / 1.24%

 

 

Compounded/Paid Monthly

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




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Did You know?
You may have the monthly dividend from a Certificate of Deposit automatically deposited into one of your other deposit accounts.

Internet Teller is the ultimate in convenience, especially for checking accounts.

 
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