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Rates

    Rates are effective 11/15/2025 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
    4.169%* 
    APY
    4.25%* 
    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 11/15/2025 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
    3.05% 
    APY
    3.09% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    3.10% 
    APY
    3.14% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    3.20% 
    APY
    3.25% 
    Term
     
    Investment
    $100,001 & Up 
    Rate
    3.30% 
    APY
    3.35% 
    Term
     
    Investment
     
    Rate
     
    APY
     
    18 Months
    Term
    18 Months 
    Investment
    $500 – $10,000 
    Rate
    2.80% 
    APY
    2.84% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    2.85% 
    APY
    2.89% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    2.95% 
    APY
    2.99% 
    Term
     
    Investment
    $100,001 & Up 
    Rate
    3.05% 
    APY
    3.09% 
    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
    2.80% 
    APY
    2.84% 
    Account Type
     
    Balance Requirements
    $10,001 – $50,000 
    Rate
    2.85% 
    APY
    2.89% 
    Account Type
     
    Balance Requirements
    $50,001 – $100,000 
    Rate
    2.95% 
    APY
    2.99% 
    Account Type
     
    Balance Requirements
    $100,001 & Up 
    Rate
    3.05% 
    APY
    3.09% 
    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
    2.80% 
    APY
    2.84% 
    Term
     
    Investment
    $10,001 – $50,000 
    Rate
    2.85% 
    APY
    2.89% 
    Term
     
    Investment
    $50,001 – $100,000 
    Rate
    2.95% 
    APY
    2.99% 
    Term
     
    Investment
    $100,000 & Up 
    Rate
    3.05% 
    APY
    3.09% 
    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 11/15/2025 and are subject to change without notice

    Loan Rates
    Account Type 
    APR 
    New Vehicles/Motorcycles
    Account Type
    New Vehicles/Motorcycles 
    APR
    As Low As 5.74% APR 
    Used Vehicles/Motorcycles (2018-2024)
    Account Type
    Used Vehicles/Motorcycles (2018-2024) 
    APR
    As Low As 5.99% APR 
    Used Vehicles/Motorcycles (Over 7 Years Old)
    Account Type
    Used Vehicles/Motorcycles (Over 7 Years Old)  
    APR
    As Low As 7.55% APR 
    Other New Secured RVs, Boats
    Account Type
    Other New Secured RVs, Boats  
    APR
    As Low As 5.99% APR 
    Other Used Secured RVs, Boats
    Account Type
    Other Used Secured RVs, Boats  
    APR
    As Low As 6.74% APR 
    Signature Loan
    Account Type
    Signature Loan  
    APR
    As Low As 8.99% 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 8.15% APR 
    Express Signature Loan (6 Months $100 – $500)
    Account Type
    Express Signature Loan (6 Months $100 – $500)  
    APR
    As Low As 11.75% APR 
    Combined Signature & Collateral Loans
    Account Type
    Combined Signature & Collateral Loans  
    APR
    As Low As 7.99% APR 
    Line-of-Credit
    Account Type
    Line-of-Credit  
    APR
    10.90% APR 
    Home Equity 1st Lien
    Account Type
    Home Equity 1st Lien  
    APR
    As Low As 5.50% APR 
    Home Equity 2nd Lien
    Account Type
    Home Equity 2nd Lien  
    APR
    As Low As 6.50% APR 
    HELOC (Variable Rate)
    Account Type
    HELOC (Variable Rate)  
    APR
    7.25% 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 11/15/2025 and are subject to change without notice

    Mortgage Products
    Product 
    Rate 
    APY 
    Points 
    15 Year Conv. Fixed
    Product
    15 Year Conv. Fixed 
    Rate
    5.875% 
    APY
    6.020% 
    Points
    0.000% 
    30 Year Conv. Fixed
    Product
    30 Year Conv. Fixed  
    Rate
    5.750%  
    APY
    6.044%  
    Points
    2.200% 
    FHA 30 Year Fixed
    Product
    FHA 30 Year Fixed  
    Rate
    5.624%  
    APY
    6.287%  
    Points
    0.000% 
    VA 30 Year Fixed
    Product
    VA 30 Year Fixed  
    Rate
    5.990%  
    APY
    6.249%  
    Points
    0.000% 

    *Important Assumptions

    The rates above reflect the best rates available today. Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 780 for an owner-occupied purchase of a single family home. With a loan amount of $200,000.00 and Loan-to-value ratio of no more than 60%. All loans are subject to individual credit approval, The advertised rate is the rate at which similar loans are being closed. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend.

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