Rates
Rates are effective 06/02/2023 and are subject to change without notice
Regular Savings
*.01 APY if qualifications are not met
Kasasa Saver®
*.01 APY if qualifications are not met. APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice.
Christmas/ Vacation Club
Share Draft (Traditional Checking)*
*Share Draft (Traditional Checking) Dividends are paid on $1,000 minimum average monthly balance.
Kasasa Cash® Checking
*.01 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
Traditional I.R.A.
Roth I.R.A.
Education I.R.A.
Money Market
Boost Your Rate With Our Member Rewards
Learn MoreBoost your rate an additional .05% when your savings balance is $25,000 to $49,999.
Boost your rate an additional .10% 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.
Rates are effective 06/02/2023 and are subject to change without notice
Share Certificates (CD)
*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
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
APY = Annual Percentage Yield. Federal Regulations require substantial penalty for early withdrawals. Fees could reduce earnings. Rates are subject to change without notice.
Lower Your Rate With Our Member Rewards
Learn MoreLower your rate an additional .15% when you are a repeat borrower.
Plus lower your rate an additional .10% when you have a checking account with a direct deposit.
Rates are effective 06/02/2023 and are subject to change without notice
Loan Rates
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 06/02/2023 and are subject to change without notice
Mortgage Products
*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.