NCFCU Rate Chart


Loan Term Rates Starting At
APR
(as of May 13, 2020)
New Auto/Motorcycle Up to 84 months 2.10% **
Used Auto/Motorcycle Up to 72 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 2.75%
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 March 17th, 2020 Prime is 3.25%. 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%

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 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 Certain penalties apply if funds are withdrawn prior to certificate maturity.