Rates

NCFCU Rate Chart

Loan	Term	Rates Starting At APR (as of January 24, 2019)
New Auto/Motorcycle	Up to 84 months	2.35% **
Used Auto/Motorcycle	Up to 84 months	2.85% **
Older Used Auto/Motorcycle	Up to 48 months	5.25% **
Shared Secure	-	Share Account Rate + 4.00%
Overdraft Line of Credit	Revolving	Prime + 8.50%
Signature (Personal Loan)	Up to 60 months	8.00% **
Mobile Home	Up to 180 months	5.25%
MasterCard Credit Card	-	8.90%
Home Equity Loan	Up to 180 months	4.25%
Home Equity Line of Credit	180 months	Prime + 0% *
Antique, Classic, Street-rod Vehicles	Up to 120 months	4.10% **
Motorhomes & 5th Wheels (New and Used)	Up to 120 months	5.60%
Rates are subject to change and are based on individual’s credit score history and term of loan. As of December 19th, 2018 Prime is 5.50%. The rate is using the current index plus margin would be as low as 5.50% which is the lowest rate allowed. Actual rate is determined based on credit worthiness *Rate includes auto-pay discount of .25%

Deposit Rates	Rate	APY
Regular Savings	.05%	.05%
IRA Savings	.15%	.15%
Club Savings	.05%	.05%
Rates current as of 01/01/2018 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.

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 07/01/2017 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 Certain penalties apply if funds are withdrawn prior to certificate maturity.