LoanTermRates As Low As
APR
New Auto (2022 or newer)24 to 84 months6.20% **
Used Auto (2017-2021)24 to 72 months7.45 % **
Older Used Auto (2013-2016)24 to 48 months8.85% **
Share Secured1 to 60 monthsShare Account Rate + 1.00%
Overdraft Line of CreditRevolvingPrime + 8.50%
Signature (Personal Loan)1 to 60 months10.80% **
Mobile Home12 to 180 months7.15% **
MasterCard Credit CardRevolving8.90%
Home Equity Loan60 to 180 months5.55%
Home Equity Line of Credit180 monthsPrime + 0% *
Home Equity Line of Credit Promo180 months3.75% fixed for 12-months ***
Antique, Classic, Street-rod Vehicles12 to 120 months6.00% **
Motorhomes & 5th Wheels
(New and Used)
12 to 144 months7.65% **
Sports Craft / Motorcycle12 to 72 months7.00% **
Boat12 to 120 months7.00% **

Rates are subject to change and are based on individual’s credit score history and term of loan.
*As of January 29, 2024 Prime is 8.50%. The rate is using the current index plus margin could be as low as 8.50% 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 RatesRateAPY
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
RateAPY
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 Certain penalties apply if funds are withdrawn prior to certificate maturity.