Rates

NCFCU Rate Chart

Loan	Term	Rates As Low As APR
New Auto/Motorcycle (2019 or newer)	24 to 84 months	4.95% **
Used Auto/Motorcycle (2016-2018)	24 to 72 months	5.20% **
Older Used Auto/Motorcycle (2012-2015)	24 to 48 months	7.60% **
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	10.80% **
Mobile Home	12 to 180 months	6.90%
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	1.75% fixed for 12-months ***
Antique, Classic, Street-rod Vehicles	12 to 120 months	5.75% **
Motorhomes & 5th Wheels (New and Used)	12 to 180 months	7.40% **
Rates are subject to change and are based on individual’s credit score history and term of loan. As of December 14th, 2022 Prime is 7.50%. The rate is using the current index plus margin would be as low as 7.00% 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

Deposit Rates	Rate	APY
Regular Savings	.05%	.05%
Club Savings	.05%	.05%
IRA Savings	.15%	.15%
Rates current as of 01/25/22 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 1/25/23 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 Certain penalties apply if funds are withdrawn prior to certificate maturity.