Checking and Savings Rates Effective 09/01/21
| Deposit Account | APY** | Minimum Opening Deposit † | Credited |
|---|---|---|---|
| Checking | .15% | $25.00 | Monthly Dividend Earned on Average Balance of $300.00 or more. |
| Savings | .40% | $25.00 | Monthly |
| Holiday Account | .40% | $0.00 | Annually |
| IRA 12 Month Certificate | .55% | $100.00 | Monthly |
| 1 Year Share Certificate | .55% | $5,000.00 | Monthly |
| 2 Year Share Certificate | .65% | $5,000.00 | Monthly |
Mortgage Rates Effective 09/01/21
| Loan Type | APR* | Details |
|---|---|---|
| Balloon Mortgage | Please call for rates | Contact Credit Union for Terms |
| Adjustable Rate Mortgages | Please call for rates | Variety of repayment terms available. Contact our mortgage lending department for more information. |
| 15, 20 & 30 Year Fixed Rate | Please call for rates | These loans are available on the secondary market. The Credit Union retains the servicing of these loans. |
| Term Buster Fixed Rate Mortgages | Please call for rates | Variety of repayment terms available. Contact our mortgage lending department for more information. |
| Permanent financing of construction loans is available. Contact the credit union for more information! |
Home Equity Line Of Credit (HELOC) Rates Effective 09/01/21
| Loan Type | APR* | Details |
|---|---|---|
| Open-End Line of Credit | As Low As 3.25%¹ | Up to 90% of appraised home value less other liens. Estimated fees as low as $180.00² |
Home Makeover Rates Effective 09/01/21
| Loan Type | APR* | Details |
|---|---|---|
| For home repairs and remodeling projects. Loan amounts of $5,000 – $50,000 |
As Low As 3.06% | Up to 90% of appraised home value less other liens. Estimated fees: minimum $132.00² |
Autos and Recreational Vehicles Rates Effective 09/01/21
| Loan Type | Term | APR** | Conditions |
|---|---|---|---|
Loan Special!
|
Up to 72 Months
$30,000 & Over Up to 84 Months |
As Low As 1.89% As Low As 2.09%
|
Promotional rates and terms apply only to vehicle loans new to NEFCU.100% of NADA Book Retail Value.Full Coverage Insurance Required. Add on for Tax & Licensing. Up to 90† Days to First Payment. |
Loan Special!
|
Up to 72 Months
$30,000 & Over Up to 84 Months |
As Low As 2.44%
As Low As 3.44%
|
Promotional rates and terms apply only to vehicle loans new to NEFCU.100% of NADA Book Retail Value.Full Coverage Insurance Required. Add on for Tax & Licensing. Up to 90† Days to First Payment. |
|
New Titled Autos
& Recreational Vehicles
|
Up to 72 Months
$30,000 & Over Up to 84 Months |
As Low As 2.44%
|
100% of NADA Book Retail Value. Full Coverage Insurance Required. Add on for Tax & Licensing. Up to 90† Days to First Payment. |
|
Used Titled Autos
& Recreational Vehicles
|
Up to 72 Months $30,000 & Over Up to 84 Months |
As Low As 2.99%
As Low As 3.99% |
100% of NADA Book Retail Value. Full Coverage Insurance required. Add on for tax & licensing. Up to 90† days to first payment. |
| New Titled Recreational Vehicles Extended Terms |
Up to 96 Months Up to 120 Months |
As Low As 4.44% As Low As 5.44% |
$30,001 to $50,000 $50,001 and over |
|
Used Titled Recreational Vehicles
Extended Terms
|
Up to 96 Months
Up to 120 Months |
As Low As 4.99% As Low As 5.99% |
$30,001 to $50,000 $50,001 and over |
| Previously Salvaged Vehicles | Up to 72 Months | 7.85% | 70% of NADA Book Retail Value. |
| Classic Cars | Up to 72 Months | 9.85% |
50% of Classic Car Value “Good.”
|
Personal Loans Rates Effective 09/01/21
| Loan Type | Term | APR** | Conditions |
|---|---|---|---|
| Personal Loan | Up to 72 Months | As Low As 9.00% | Maximum $30,000 |
| Vacation Loan | 12 Months | 5.00% | Maximum $3,000 |
| Share Secured Loan | Call Credit Union for terms | 1.40% | APR subject to change annually based on current share rate +1.00% |
| Overdraft Protection | As Low As 9.00% | Maximum $5,000 |
Platinum Rewards MasterCard Rates Effective 09/01/21
| Loan Type | APR** |
|---|---|
|
Platinum Rewards MasterCard® Credit Card
1.5% Cash Back on ALL purchases
|
As Low As 10.9%
|
*APR = Annual Percentage Rate.
**Rates are based on an evaluation of credit history. Your rate may differ. Rates quoted are lowest rate offered. Your rate may be higher depending on your credit history and other underwriting factors. Our loan officers will discuss your application and available rate(s) with you.
**APY = Annual Percentage Yield.
†Minimum balance required to earn the APY.
