Rates

Deposit Rates

Savings, Checking, Club & Money Market Accounts

Account Type Balance Requirements Rate APY
Regular Savings
$5 0.15% 0.15%
Kasasa Saver®
Up to $50,000 1.24%** 1.25%**
Over $50,000 0.25%** 0.25%**
Christmas/ Vacation Club
0.15% 0.15%
Share Draft (Traditional Checking)*
0.10% 0.10%
Kasasa Cash® Checking
Up to $20,000 3.20%** 3.25%**
Over $20,000 0.15%** 0.15%**
Kasasa Cash Back® Checking
None None
Traditional I.R.A.
0.35% 0.35%
Roth I.R.A.
0.35% 0.35%
Education I.R.A.
0.35% 0.35%
Money Market
Up to $2,500 0.15% 0.15%
$2,500.01-$25,000 0.70% 0.70%
$25,000.01-$50,000 0.75% 0.75%
Over $50,000 0.80% 0.80%

*Share Draft (Traditional Checking) Dividends are paid on $1,000 minimum average monthly balance. ***.01 APY if qualifications are not met. APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice. Effective as of 04/03/2019.

Various Share Certificates (CD) & IRA CD Rates

Boost Your Rate with our Member Rewards Program
  • Boost your rate an additional .05% when your savings balance is $10,000 to $24,999
  • Boost your rate an additional .10% when your savings balance is $25,000 to $49,999
  • Boost your rate an additional .20% when your savings balance is $50,000 and over
  • Plus boost your rate an additional .05% when you have a checking account with a direct deposit
Account Type Balance Requirements Rate APY
Share Certificates (CD)
6 Months $500 0.95% 0.95%
12 Months $500 1.20% 1.21%
18 Months $500 1.50% 1.51%
30 Months $500 1.60% 1.61%
60 Months $500 1.95% 1.97%
IRA CD Traditional & Roth
18 Months $2,000 1.50% 1.51%
30 Months $2,000 1.60% 1.61%
60 Months $2,000 1.95% 1.97%
IRA CD Education
18 Months $500 1.50% 1.51%
30 Months $500 1.60% 1.61%
60 Months $500 1.95% 1.97%

APY = Annual Percentage Yield. Federal Regulations require substantial penalty for early withdrawals. Fees could reduce earnings. Rates are subject to change without notice. Effective as of 11/13/2019.

Loan Rates

Lower Your Rate with our Member Rewards Program
  • Lower your rate an additional .10% when you are a repeat borrower
  • Plus lower your rate an additional .15% when you have a checking account with a direct deposit
Account Type APR
New Vehicles/Cycles
As Low As 3.49%
Used Vehicles/Cycles (2014-2018)
As Low As 3.74%
Used Vehicles/Cycles (Over 5 Years Old)
As Low As 5.55%
Other New Secured RV’s, Boats
As Low As 5.99%
Other Used Secured RV’s, Boats
As Low As 6.74%
Signature Loan
As Low As 9.90%
Short Term Signature Loan (12 Months)
As Low As 7.90% (Holiday Special!)
Express Signature Loan (6 Months $100 - $500)
As Low As 11.00%
Combined Signature & Collateral Loans
As Low As 8.99%
Line-of-Credit
10.90%
Home Equity 1st Lien
As Low As 3.70%
Home Equity 2nd Lien
As Low As 3.95%
HELOC (Variable Rate)
5.00%
Mortgages
Call 888-508-7195 or visit Member Advantage Mortgage online
Visa Credit Card
As Low As 6.90%

APR = Annual Percentage Rate. Rates are subject to change without notice. Effective as of 12/5/2019. All loan rates quoted are NCFCU’s standard (base) rates. The actual interest rate you receive will reflect individual circumstances and may be higher or lower than the standard (base) rate. Check with the loan department for specific information relative to your request.