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Share Account Rates
Effective as of quarter ending 6-30-10
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| Account Type |
Dividend Rate |
APY* |
| Regular Shares |
0.25% |
0.25% |
| IRA |
1.25% |
1.26% |
| Christmas Club** |
.70% |
.70% |
*APY = Annual Percentage Yield
**If early withdrawal is made, you will lose all dividends. |
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Loan Rates
Effective 7-21-10
NBCEFCU loan rates are reviewed and determined monthly by the Board of Directors and are subject to change without notice.
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| Loan Type |
Annual Percentage Rate (APR) |
Max Amount |
Max Term |
New Autos, Trucks, Vans, Wagons
100% Financing (Tax, License, DMV, Warranty, etc) |
4.99%
(3.99% APR on 50% down or more) |
$60,000.00 |
84 Months* |
Used Autos, Trucks, Vans, Wagons
100% Financing "Retail" Value |
6.75%
(5.75% APR on 50% down or more) |
$40,000.00 |
72 Months* |
New Motorhomes
100% Financing |
7.25%
(6.25% APR on 50% down or more) |
$85,000.00 |
96 Months |
Used Motorhomes
100% Financing "Retail" Value |
8.25%
(7.25% APR on 50% down or more) |
$50,000.00 |
84 Months |
New Travel Trailers, 5th Wheel Trailers
100% Financing |
7.25% |
$40,000.00 |
72 Months |
Used Travel Trailers, 5th Wheel Trailers
90% Financing "Wholesale" Value |
8.25% |
$40,000.00 |
72 Months |
New Motorcycles, ATVs
100% Financing |
6.75% |
$30,000.00 |
60 Months |
Used Motorcycles, ATVs
90% Financing "Wholesale" Value |
8.75% |
$30,000.00 |
60 Months |
New Boats
100% Financing |
7.25% |
$50,000.00 |
72 Months |
Used Boats
90 % Financing Marine Survey |
10.25% |
$50,000.00 |
72 Months |
New Jet-Skis
100% Financing |
7.25% |
$30,000.00 |
60 Months |
Used Jet-Skis
90% Financing "Wholesale" Value |
10.25% |
$30,000.00 |
60 Months |
Signature Loans (Limited Time Loan Special)
($1,000.00 per year of employment) |
13.00% |
$10,000.00 |
48 Months |
| Open-End Line of Credit** |
12.50% |
$10,000.00
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48 Months |
| Real Estate Loans |
Contact CU Members Mortgage
877-274-4544
http://www.homeloancu.com/ |
$600,000 |
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| Share Secured Loans |
3% above highest dividend rate
declared on regular share for the previous quarter. |
100% of amount on deposit |
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*Subject to Credit Approval
**Available only to individual members who qualify according to the guidelines.
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Share Certificate Rates
Effective 7-21-10
Rates subject to change without notice.
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| Term |
Minimum Balance/Deposit |
Dividend Compounded |
Dividend Rate |
APY* |
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| 90 Days/3 Months |
$2,500.00 |
Monthly |
0.15%
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0.15% |
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| 180 Days/6 Months |
$2,500.00 |
Monthly |
0.90% |
0.90% |
| 180 Days/6 Months |
$5,000.00 |
Monthly |
0.90% |
0.90% |
| 180 Days/6 Months |
$10,000.00 |
Monthly |
0.90% |
0.90% |
| 180 Days/6 Months |
$50,000.00 |
Monthly |
1.14% |
1.15% |
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| 12 Months |
$10,000.00 |
Quarterly |
1.14% |
1.15% |
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*APY = Annual Percentage Yield
Early withdrawals will reduce your earnings with substantial penalty. |
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