NCFCU Rate Chart


Loan Term Rates As Low As
APR
New Auto/Motorcycle (2021 or newer) 24 to 84 months 1.74%
New Auto/Motorcycle (2018 or newer) 24 to 84 months 2.10% **
Used Auto/Motorcycle (2015-2017) 24 to 72 months 2.35% **
Older Used Auto/Motorcycle (2011-2014) 24 to 48 months 5.25% **
Shared Secure 1 to 60 months Share Account Rate + 4.00%
Overdraft Line of Credit Revolving Prime + 8.50%
Signature (Personal Loan) 1 to 60 months 7.00% **
Mobile Home 12 to 180 months 5.25%
MasterCard Credit Card Revolving 8.90%
Home Equity Loan 60 to 180 months 2.75%
Home Equity Line of Credit 180 months Prime + 0% *
Home Equity Line of Credit Promo 180 months 1.75% fixed for 12-months ***
Antique, Classic, Street-rod Vehicles 12 to 120 months 4.10% **
Motorhomes & 5th Wheels
(New and Used)
12 to 180 months 5.25% **

Rates are subject to change and are based on individual’s credit score history and term of loan.
*As of May 5th, 2022 Prime is 4.00%. The rate is using the current index plus margin would be as low as 4.00% 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 1.75% Fixed Introductory rate

NCFCU Deposit Rate Chart


Deposit Rates Rate APY
Regular Savings .05% .05%
Club Savings .05% .05%
IRA Savings .15% .15%

Rates current as of 10/01/2019 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 04/01/2022 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 Certain penalties apply if funds are withdrawn prior to certificate maturity.