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Rates

    Rates are effective 12/22/2024 and are subject to change without notice

    Regular Savings
    Balance Requirements 
    Rate 
    APY 
    $5
    Balance Requirements
    $5 
    Rate
    0.03% 
    APY
    0.03% 
    Kasasa Saver®
    Balance Requirements 
    Rate 
    APY 
    Up to $100,000
    Balance Requirements
    Up to $100,000 
    Rate
    1.98190%* 
    APY
    2.00%* 
    Over $100,000
    Balance Requirements
    Over $100,000 
    Rate
    0.05%* 
    APY
    0.05%* 

    *.05 APY if qualifications are not met. APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice.

    Christmas/ Vacation Club
    Balance Requirements 
    Rate 
    APY 
    $50.00
    Balance Requirements
    $50.00 
    Rate
    0.03% 
    APY
    0.03% 
    Checking Accounts*
    Balance Requirements 
    Rate 
    APY 
    Balance Requirements
     
    Rate
    0.03% 
    APY
    0.03% 

    *Checking account dividends are paid on $1,000 minimum average monthly balance.

    Kasasa Cash® Checking
    Balance Requirements 
    Rate 
    APY 
    Up to $20,000
    Balance Requirements
    Up to $20,000 
    Rate
    4.889%* 
    APY
    5.00%* 
    Over $20,000
    Balance Requirements
    Over $20,000 
    Rate
    0.05%* 
    APY
    0.05%* 

    *.05 APY if qualifications are not met. APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice.

    Kasasa Cash Back® Checking
    Balance Requirements 
    Rate 
    APY 
    Balance Requirements
     
    Rate
    None 
    APY
    None 
    Traditional I.R.A.
    Balance Requirements 
    Rate 
    APY 
    Balance Requirements
     
    Rate
    0.05% 
    APY
    0.05% 
    Roth I.R.A.
    Balance Requirements 
    Rate 
    APY 
    Balance Requirements
     
    Rate
    0.05% 
    APY
    0.05% 
    Education I.R.A.
    Balance Requirements 
    Rate 
    APY 
    Balance Requirements
     
    Rate
    0.05% 
    APY
    0.05% 
    Money Market
    Business Account Rates
    Balance Requirements 
    Rate 
    APY 
    Up to $2,500
    Balance Requirements
    Up to $2,500 
    Rate
    0.03% 
    APY
    0.03% 
    $2,500.01-$25,000
    Balance Requirements
    $2,500.01-$25,000 
    Rate
    0.40% 
    APY
    0.40% 
    $25,000.01-$50,000
    Balance Requirements
    $25,000.01-$50,000 
    Rate
    0.60% 
    APY
    0.60% 
    Over $50,000
    Balance Requirements
    Over $50,000 
    Rate
    0.80% 
    APY
    0.80% 

    Rates are effective 12/22/2024 and are subject to change without notice

    Certificates (CD)
    Term 
    Investment 
    Rate 
    APY 
    6 Months
    Term
    6 Months  
    Investment
    $500 – $10,000 
    Rate
    1.30% 
    APY
    1.31% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    1.35% 
    APY
    1.36% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    1.45% 
    APY
    1.46% 
    Term
     
    Investment
    $100,001 & Up 
    Rate
    1.55% 
    APY
    1.56% 
    Term
     
    Investment
     
    Rate
     
    APY
     
    12 Months
    Term
    12 Months 
    Investment
    $500 – $10,000 
    Rate
    3.40% 
    APY
    3.462% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    3.45% 
    APY
    3.513% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    3.55% 
    APY
    3.617% 
    Term
     
    Investment
    $100,001 & Up 
    Rate
    3.65% 
    APY
    3.72% 
    Term
     
    Investment
     
    Rate
     
    APY
     
    18 Months
    Term
    18 Months 
    Investment
    $500 – $10,000 
    Rate
    3.15% 
    APY
    3.214% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    3.20% 
    APY
    3.265% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    3.30% 
    APY
    3.359% 
    Term
     
    Investment
    $100,001 & Up 
    Rate
    3.40% 
    APY
    3.642% 
    Term
     
    Investment
     
    Rate
     
    APY
     
    30 Months
    Term
    30 Months 
    Investment
    $500 – $10,000 
    Rate
    1.90% 
    APY
    1.92% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    1.95% 
    APY
    1.97% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    2.05% 
    APY
    2.07% 
    Term
     
    Investment
    $100,001 & Up 
    Rate
    2.15% 
    APY
    2.17% 
    Term
     
    Investment
     
    Rate
     
    APY
     
    60 Months
    Term
    60 Months 
    Investment
    $500 – $10,000 
    Rate
    2.25% 
    APY
    2.27% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    2.30% 
    APY
    2.32% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    2.40% 
    APY
    2.43% 
    Term
     
    Investment
    $100,001 & Up 
    Rate
    2.50% 
    APY
    2.53% 

    *APY = Annual Percentage Yield. Federal Regulations require substantial penalty for early withdrawals. Fees could reduce earnings. Rates are subject to change without notice.

     

    IRA CD Traditional & Roth
    Account Type 
    Balance Requirements 
    Rate 
    APY 
    18 Months
    Account Type
    18 Months 
    Balance Requirements
    $2,000 – $10,000 
    Rate
    3.41% 
    APY
    3.464% 
    Account Type
     
    Balance Requirements
    $10,001 – $50,000 
    Rate
    3.46% 
    APY
    3.515% 
    Account Type
     
    Balance Requirements
    $50,001 – $100,000 
    Rate
    3.56% 
    APY
    3.619% 
    Account Type
     
    Balance Requirements
    $100,001 & Up 
    Rate
    3.66% 
    APY
    3.722% 
    Account Type
     
    Balance Requirements
     
    Rate
     
    APY
     
    30 Months
    Account Type
    30 Months 
    Balance Requirements
    $2,000 – $10,000 
    Rate
    1.90% 
    APY
    1.92% 
    Account Type
     
    Balance Requirements
    $10,001 – $50,000 
    Rate
    1.95% 
    APY
    1.97% 
    Account Type
     
    Balance Requirements
    $50,001 – $100,000 
    Rate
    2.05% 
    APY
    2.07% 
    Account Type
     
    Balance Requirements
    $100,001 & Up 
    Rate
    2.15% 
    APY
    2.17% 
    Account Type
     
    Balance Requirements
     
    Rate
     
    APY
     
    60 Months
    Account Type
    60 Months 
    Balance Requirements
    $2,000 – $10,000 
    Rate
    2.25% 
    APY
    2.27% 
    Account Type
     
    Balance Requirements
    $10,001 – $50,000 
    Rate
    2.30% 
    APY
    2.32% 
    Account Type
     
    Balance Requirements
    $50,001 – $100,000 
    Rate
    2.40% 
    APY
    2.43% 
    Account Type
     
    Balance Requirements
    $100,001 & Up 
    Rate
    2.50% 
    APY
    2.53% 

    APY = Annual Percentage Yield. Federal Regulations require substantial penalty for early withdrawals. Fees could reduce earnings. Rates are subject to change without notice.

    IRA CD Education
    Term 
    Investment 
    Rate 
    APY 
    18 Months
    Term
    18 Months 
    Investment
    $500 – $10,000 
    Rate
    3.41% 
    APY
    3.464% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    3.46% 
    APY
    3.515% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    3.56% 
    APY
    3.619% 
    Term
     
    Investment
    $100,000 & Up 
    Rate
    3.66% 
    APY
    3.722% 
    Term
     
    Investment
     
    Rate
     
    APY
     
    30 Months
    Term
    30 Months 
    Investment
    $500 – $10,000 
    Rate
    1.90% 
    APY
    1.92% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    1.95% 
    APY
    1.97% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    2.05% 
    APY
    2.07% 
    Term
     
    Investment
    $100,000 & Up 
    Rate
    2.15% 
    APY
    2.17% 
    Term
     
    Investment
     
    Rate
     
    APY
     
    60 Months
    Term
    60 Months 
    Investment
    $500 – $10,000 
    Rate
    2.25% 
    APY
    2.27% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    2.30% 
    APY
    2.32% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    2.40% 
    APY
    2.43% 
    Term
     
    Investment
    $100,000 & Up 
    Rate
    2.50% 
    APY
    2.53% 

    APY = Annual Percentage Yield. Federal Regulations require substantial penalty for early withdrawals. Fees could reduce earnings. Rates are subject to change without notice.

    Rates are effective 12/22/2024 and are subject to change without notice

    Loan Rates
    Account Type 
    APR 
    New Vehicles/Cycles
    Account Type
    New Vehicles/Cycles 
    APR
    As Low As 5.99% APR 
    Used Vehicles/Cycles (2017-2023)
    Account Type
    Used Vehicles/Cycles (2017-2023) 
    APR
    As Low As 6.49% APR 
    Used Vehicles/Cycles (Over 7 Years Old)
    Account Type
    Used Vehicles/Cycles (Over 7 Years Old)  
    APR
    As Low As 7.80% APR 
    Other New Secured RVs, Boats
    Account Type
    Other New Secured RVs, Boats  
    APR
    As Low As 6.24% APR 
    Other Used Secured RVs, Boats
    Account Type
    Other Used Secured RVs, Boats  
    APR
    As Low As 6.99% APR 
    Signature Loan
    Account Type
    Signature Loan  
    APR
    As Low As 9.24% APR 
    Short Term Signature Loan (12 Months) *$5,000 maximum loan amount
    Account Type
    Short Term Signature Loan (12 Months) *$5,000 maximum loan amount 
    APR
    As Low As 7.40% APR 
    Express Signature Loan (6 Months $100 – $500)
    Account Type
    Express Signature Loan (6 Months $100 – $500)  
    APR
    As Low As 12.00% APR 
    Combined Signature & Collateral Loans
    Account Type
    Combined Signature & Collateral Loans  
    APR
    As Low As 8.24% APR 
    Line-of-Credit
    Account Type
    Line-of-Credit  
    APR
    10.90% APR 
    Shared Secured Loan/Certificate
    Account Type
    Shared Secured Loan/Certificate 
    APR
    As Low As 3.03% APR 
    Home Equity 1st Lien
    Account Type
    Home Equity 1st Lien  
    APR
    As Low As 5.75% APR 
    Home Equity 2nd Lien
    Account Type
    Home Equity 2nd Lien  
    APR
    As Low As 6.75% APR 
    HELOC (Variable Rate)
    Account Type
    HELOC (Variable Rate)  
    APR
    8.00% APR 
    Visa Credit Card
    Account Type
    Visa Credit Card  
    APR
    As Low As 6.90% APR 
    Account Type
     
    APR
     

    APR = Annual Percentage Rate. Rates are subject to change without notice. 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.

    Rates are effective 12/22/2024 and are subject to change without notice

    Mortgage Products
    Product 
    Rate 
    APY 
    Payments* 
    15 Year Fixed
    Product
    15 Year Fixed 
    Rate
    6.500% 
    APY
    6.821% 
    Payments*
    $1307* 
    30 Year Fixed
    Product
    30 Year Fixed  
    Rate
    7.000%  
    APY
    7.201%  
    Payments*
    $998* 
    FHA 30 Year Fixed
    Product
    FHA 30 Year Fixed  
    Rate
    7.000%  
    APY
    7.907%  
    Payments*
    $1580* 
    VA 30 Year Fixed
    Product
    VA 30 Year Fixed  
    Rate
    7.250%  
    APY
    7.378%  
    Payments*
    $1620* 

    *Important Assumptions

    For Fixed rate loan products, the information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000, a down payment of $100,000, and an estimated property value of $250,000. The property is an existing single family home and is used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 750.

    For ARM rate loan products, the information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000, a down payment of $100,000, and an estimated property value of $250,000. The property is an existing single family home and is used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 750.

    For Government loan products, the information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $237,500, a down payment of $12,500, and an estimated property value of $250,000. The property is an existing single family home and is used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 700.

    For Jumbo loan products, the information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $525,000, a down payment of $350,000, and an estimated property value of $875,000. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 750.

    If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance.

    Disclosures