Image
image
image
image



Interest Rate Info

Loan Rates
Revised: March 22, 2017
All rates subject to change

Secured Loans
(includes all new & used vehicles, boats, motorhomes and recreational equipment)

Rate (APR**)

Term

Minimum Collateral Value

2.25%
3 Years
$8,000.00
2.75%
4 Years
$10,000.00
2.99%
5 Years
$20,000.00
3.25%
6 Years
$30,000.00
4.25%
7 Years
$35,000.00
4.75%
10 Years
$75,000.00
4.99%
15 Years
$100,000.00
 
4.99%
5 Years
Less than $8,000.00

 Home Equity

4.25%

1-Year Adjustable Rate
Home Equity Line of Credit

  20 Year Maximum Term

4.25%

Fixed Home Equity

15 Year Maximum Term

Unsecured Loans

 9.99%

Line of Credit

9.99%

VISA®

 8.99%

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 January 26, 2017
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

1.00% / 1.00%

1.00% / 1.00%

36 Months

$500.00

1.25% / 1.24%

1.25% / 1.24%

48 Months

$500.00

1.50% / 1.49%

1.50% / 1.49%

60 Months

$500.00

1.75% / 1.74%

1.75% / 1.74%

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

APY*  / 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


.10% / .10%

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

 

.10% / .10%
.15% / .15%
.20% / .20%

 

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

Share Savings

.15% / .15%

Compounded/Paid Monthly

Secondary Share Savings

.15% / .15%

Compounded/Paid Monthly

Holiday Club

.15% / .15%

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


.25% / .25%
.25% / .25%
.30% / .30%
.30% / .30%
.35% / .35%

   


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  

 

.25% / .25%
.25% / .25%
.30% / .30%
.30% / .30%
.35% / .35%

 

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 / ** - APR = Annual Percentage Rate

 



image

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

NSFCU E-Branch is the ultimate in convenience, especially for checking accounts.

 
image