Rates
Deposit Rates
Savings, Checking, Club & Money Market Accounts
| Account Type | Balance Requirements | Rate | APY |
|---|---|---|---|
|
Regular Savings
|
$5 | 0.03% | 0.03% |
|
Kasasa Saver®
|
Up to $25,000 | 0.20%** | 0.20%** |
| Over $25,000 | 0.10%** | 0.10%** | |
|
Christmas/ Vacation Club
|
0.03% | 0.03% | |
|
Share Draft (Traditional Checking)*
|
0.03% | 0.03% | |
|
Kasasa Cash® Checking
|
Up to $10,000 | 1.00%** | 1.00%** |
| Over $10,000 | 0.05%** | 0.05%** | |
|
Kasasa Cash Back® Checking
|
None | None | |
|
Traditional I.R.A.
|
0.05% | 0.05% | |
|
Roth I.R.A.
|
0.05% | 0.05% | |
|
Education I.R.A.
|
0.05% | 0.05% | |
|
Money Market
|
Up to $2,500 | 0.03% | 0.03% |
| $2,500.01-$25,000 | 0.05% | 0.05% | |
| $25,000.01-$50,000 | 0.08% | 0.08% | |
| Over $50,000 | 0.10% | 0.10% | |
|
*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 3/1/2021. |
|||
Various Share Certificates (CD) & IRA CD Rates
| Account Type | Balance Requirements | Rate | APY |
|---|---|---|---|
|
Share Certificates (CD)
|
|||
| 6 Months | $500 | 0.18% | 0.18% |
| 12 Months | $500 | 0.20% | 0.20% |
| 18 Months | $500 | 0.25% | 0.25% |
| 30 Months | $500 | 0.40% | 0.40% |
| 60 Months | $500 | 0.65% | 0.65% |
|
IRA CD Traditional & Roth
|
|||
| 18 Months | $2,000 | 0.25% | 0.25% |
| 30 Months | $2,000 | 0.25% | 0.25% |
| 60 Months | $2,000 | 0.65% | 0.65% |
|
IRA CD Education
|
|||
| 18 Months | $500 | 0.25% | 0.25% |
| 30 Months | $500 | 0.40% | 0.40% |
| 60 Months | $500 | 0.65% | 0.65% |
|
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 02/24/2021. |
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Loan Rates
| Account Type | APR | |
|---|---|---|
|
New Vehicles/Cycles
|
As Low As 3.74% | |
|
Used Vehicles/Cycles (2015-2021)
|
As Low As 3.99% | |
|
Used Vehicles/Cycles (Over 7 Years Old)
|
As Low As 5.55% | |
|
Other New Secured RVs, Boats
|
As Low As 5.99% | |
|
Other Used Secured RVs, Boats
|
As Low As 6.74% | |
|
Signature Loan
|
As Low As 8.24% | |
|
Short Term Signature Loan (12 Months)
|
As Low As 7.40% | |
|
Express Signature Loan (6 Months $100 - $500)
|
As Low As 11.00% | |
|
Combined Signature & Collateral Loans
|
As Low As 8.24% | |
|
Line-of-Credit
|
10.90% | |
|
Home Equity 1st Lien
|
As Low As 4.00% | |
|
Home Equity 2nd Lien
|
As Low As 4.25% | |
|
HELOC (Variable Rate)
|
4.75% | |
|
Visa Credit Card
|
As Low As 6.90% | |
|
APR = Annual Percentage Rate. Rates are subject to change without notice. Effective as of 06/01/2021. 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. |
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Mortgages
© 2022 New Cumberland Federal Credit Union. All Rights Reserved. NMLS 447184.
Federally insured by the National Credit Union Administration,
a U.S. Government Agency. Deposits insured up to $250,000.
We conduct business in accordance with Federal Fair Lending Laws.