Rates

Fees

 

Current Neighborhood Credit Union Loan Rates

RATES EFFECTIVE: April 3, 2014

All Rates Quoted Are Annual Percentage Rates (APR). Rates subject to change.

Loans

Product Rate
New Autos*
60 months or less as low as 2.25% APR
72 months (minimum $30,000) as low as 2.75% APR
84 months (minimum $30,000) as low as 3.75% APR
Used Autos*
60 months or less as low as 2.25% APR
61 – 84 months (minimum $30,000) as low as 3.75% APR
Home Improvement & Home Equity*
Up to 180 months (rate quoted for 60 month term) as low as 4.10% APR
Line of Credit*
Unsecured as low as 8.99% APR
Signature Loans*
Unsecured as low as 8.99% APR
Share Secured Loans
Share Secured RATE + 3.00%
Money Market Secured RATE + 3.00%
CD Secured CD RATE + 3.00%
Other Secured Loans (RV, Boat, Motorcycle)*
Up to 180 months as low as 2.75% APR
Credit Cards**
Visa Personal Platinum 3.99% intro APR

Additional Notes

*APR=Annual Percentage Rate. With approved credit. Restrictions apply. Rates subject to change. See Fee Schedule.

**3.99% introductory APR for 6 months. After 6 month introductory period interest rate will increase to 8.99%-17.99% APR based on creditworthiness.

Current Neighborhood Credit Union Savings Rates

RATES EFFECTIVE: April 3, 2014

All Rates Quoted Are Annual Percentage Yield (APY). Rates are subject to change.

Certificates of Deposit

Terms Rates APY Initial Deposit
91 day 0.20% 0.20% $2,500
6 months 0.30% 0.30% $2,500
12 months 0.60% 0.60% $2,500
18 months 0.75% 0.75% $2,500
30 months 0.85% 0.85% $2,500
48 months 1.49% 1.50% $2,500
60 months 1.69% 1.70% $2,500
12 month flex* 0.30% 0.30% $500
Ages 12-17 9.53% 10.00% $100.00

*An interest penalty is required for early withdrawal. If either qualification is not met, the rate is reduced. **Additional deposits allowed on 12 month flex CD only.

Money Market Accounts

Amount Rate APY Initial Deposit
$1,000-$9,999 0.15% 0.15% $1,000
$10,000 & over 0.20% 0.20% $10,000

Traditional & Roth IRA Certificates

Terms Rate APY Initial Deposit
12 months 0.60% 0.60% $2,500
18 months 0.75% 0.75% $2,500
30 months 0.85% 0.85% $2,500
48 months 1.49% 1.50% $2,500
60 months 1.69% 1.70% $2,500

*An interest penalty is required for early withdrawal. If either qualification is not met, the rate is reduced.

Coverdell Education Savings 12 Month Certificate

Rate APY Initial Deposit
0.60% 0.60% $500

An interest penalty is required for early withdrawal. If either qualification is not met, the rate is reduced.

Share Savings and Individual Retirement Savings Accounts

Type Rate APY
$100 and over 0.20% 0.20%

Minimum initial deposit for Regular Shares $25
Minimum initial deposit for Individual Retirement Savings $100

Minimum balance to earn dividends $100

Savings & Checking

Product Rate APY Minimum initial deposit Minimum balance to earn dividend
Christmas Savings 0.20% 0.20% $25 $100
Looney Tunes Savings Club 0.15% 0.15% $25 $100
Prize Savings Account 0.15% 0.15% $25 $100
Kasasa Cash* ($0.00 – $25,000) 1.98% 2.00% $500
Kasasa Cash* ($25,000 & greater) 0.20% 2.00%-0.65% $500
Business Savings .15% .15% $25 $100

*Kasasa Cash: APY=Annual Percentage Yield. APYs accurate as of 1/1/2014. Rates may change after account is opened. Minimum to open is $500. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.00%; and (3) balances over $25,000 earn 0.20% dividends on portion of balance over $25,000, resulting in 2.00% to 0.65%. APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Fees may reduce earnings. Limit one account per household. Courtesy Pay is available to qualified members after 30 days and overdraft fees apply. See Fee Schedule.
The rates appearing in this schedule are accurate and effective for deposit accounts as of the Effective Date indicated on the Rate and Fee Schedules. If you have any questions or require current rate and fee information on your accounts, please call Neighborhood Credit Union at 214.748.9393 or 800.321.3728.