NCFCU Rate Chart
| Loan | Term | Rates As Low As APR |
| New Auto (2022 or newer) | 24 to 84 months | 4.70% ** |
| Used Auto (2017-2021) | 24 to 72 months | 4.70% % ** |
| Older Used Auto (2013-2016) | 24 to 48 months | 8.85% ** |
| Share Secured | 1 to 60 months | Share Account Rate + 1.00% |
| Overdraft Line of Credit | Revolving | Prime + 8.50% |
| Signature (Personal Loan) | 1 to 60 months | 10.80% ** |
| Mobile Home | 12 to 180 months | 7.15% ** |
| MasterCard Credit Card | Revolving | 8.90% |
| Home Equity Loan | 60 to 180 months | 5.55% |
| Home Equity Line of Credit | 180 months | Prime + 0% * |
| Home Equity Line of Credit Promo | 180 months | 3.75% fixed for 12-months *** |
| Antique, Classic, Street-rod Vehicles | 12 to 120 months | 6.00% ** |
| Motorhomes & 5th Wheels (New and Used) | 12 to 144 months | 7.65% ** |
| Sports Craft / Motorcycle | 12 to 72 months | 7.00% ** |
| Boat | 12 to 120 months | 7.00% ** |
| Rates are subject to change and are based on individual’s credit score history and term of loan. *As of September 18th, 2024, Prime is 8.00%. The rate is using the current index plus margin could be as low as 8.00% which is the lowest rate allowed. Actual rate is determined based on credit worthiness. ** Rate includes auto-pay discount of .25% *** Additional restrictions apply for the 12-month 3.75% Fixed Introductory rate + APR = Annual Percentage Rate. New auto promo rate applies to new 2024 vehicles only. Rates include .25% auto payment discount. Terms and conditions apply. Niagara’s Choice FCU membership is required to process loan application. Application subject approval. Promo rate may change at any time. | ||
NCFCU Deposit Rate Chart
| Deposit Rates | Rate | APY |
| Regular Savings | .05% | .05% |
| Club Savings | .05% | .05% |
| IRA Savings | .15% | .15% |
| Rates current as of 01/29/24 but subject to change relative to market conditions. Please call for the most up-to-date rates. Rates have been projected by the Board of Directors based on a forecast of income and available funds to declare a dividend. *Dividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts. | ||
NCFCU CD Rate Chart
| Certificate of Deposit (CD)** Term | Rate | APY |
| 3 Months | .10% | .10% |
| 6 Months | .10% | .10% |
| 12 Months | .10% | .10% |
| 24 Months | .10% | .10% |
| 36 Months | .25% | .25% |
| 48 Months | .50% | .501% |
| 60 Months | .75% | .753% |
| Rates current as of 01/29/24 but subject to change relative to market conditions. Please call for the most up-to-date rates. Rates have been projected by the Board of Directors based on a forecast of income and available funds to declare a dividend. *Dividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts. **Minimum certificate deposit is $500.00. Certain penalties apply if funds are withdrawn prior to certificate maturity. | ||
