Loan, Savings, & Certificate Rates at NCCFCU
Current Saving Rates
IRA/Tiered Share Certificates Rates
| <$100,000 Rate | ≥$100,000 Rate | |||
|---|---|---|---|---|
| TERM | RATE | APY* | RATE | APY* |
| 6 Months | .10% | .10% | .18% | .18% |
| 12 Months | .10% | .10% | .18% | .18% |
| 24 Months | .25% | .25% | .30% | .30% |
| 36 Months | .35% | .35% | .40% | .40% |
| 60 Months | .70% | .70% | .75% | .75% |
Dividend Rates and Minimum Balances
| ACCOUNT | RATE (APY*) | YIELD (APY*) | MIN. TO OPEN |
|---|---|---|---|
| Share Savings, Christmas Club, Special Purpose | 0.05% | 0.10% | $1.00 |
| Share Bear Club | 0.05% | 0.25% | $1.00 |
| WorkPerks™ Checking $0 - $2,499 | 0.00% | 0.00% | $25.00 |
| WorkPerks™ Checking $2,500 + | 0.05% | 0.05% | $25.00 |
| Select Checking $0 - $2,499 | 0.00% | 0.00% | $100.00 |
| Select Checking $2,500 + | 0.05% | 0.05% | $100.00 |
| IRA Passbook Savings | 0.05% | 0.05% | $25.00 |
| Money Market Savings Account / Cash Management Checking $1,000 to $14,999 | 0.01% | 0.01% | $1,000 |
| Money Market Savings Account / Cash Management Checking $15,000 to $100,000 | 0.07% | 0.07% | $1,000 |
| Money Market Savings Account / Cash Management Checking >$100,000 | 0.15% | 0.15% | $1,000 |
Current Loan Rates
Ask about our auto loan discount for existing members!
Auto Loan Rates
| MODEL YEARS | TERM OFFERED (Months) | RATE AS LOW AS (APR*) |
|---|---|---|
| New, 2022 (untitled)-2023 | 24-48 | 5.84% |
| 49-60 | 6.04% | |
| 61-66 | 6.24% | |
| 67-72 | 6.54% | |
| 73-84 | 7.04% | |
| Pre-Owned, 2016-2022 | 24-48 | 6.04% |
| 49-60 | 6.24% | |
| 61-66 | 6.44% | |
| 67-72 | 6.74% | |
| 73-84 | 7.24% |
*APR is the abbreviation for annual percentage rate.
** "AS LOW AS" loan rates may be adjusted based on credit performance and loan to value; additional terms may apply. All rates subject to change without notice. Maximum rate is 18.00%.
Recreational Vehicle Rates
| Boats | RVs | JETSKIs | MOTORCYCLES | ATVs |
|---|---|---|---|---|
| As low as 8.50%** APR* Up to 120 Months | As low as 8.50%** APR* Up to 120 months | As Low As 10.75% APR*, Up to 36 months** | As Low As 10.75% APR*, Up to 36 months** | As Low As 10.75% APR*, Up to 36 months** |
| Up to 100% Financing Available | Up to 100% Financing Available | As Low As 10.50% APR* | As Low As 10.50% APR* | As Low As 10.50% APR* |
*APR is the abbreviation for annual percentage rate.
** "AS LOW AS" loan rates may be adjusted based on credit performance and loan to value; additional terms may apply. All rates subject to change without notice. Maximum rate is 18.00%.
Personal Loan, Share Secured Loan and VISA™ Credit Card Rates
| LOAN TYPE | RATE AS LOW AS |
|---|---|
| Unsecured Personal Loan | As Low As 10.75% APR*, Up to 36 months** |
| Credit Card Rates (Visa Platinum) | As Low As 10.50% APR* |
| Shared Secured (Deposits at NCCFCU ONLY) | 3.00% Over Deposit Rate (Excludes Visa Loans) |
*APR is the abbreviation for annual percentage rate.
** "AS LOW AS" loan rates may be adjusted based on credit performance and loan to value; additional terms may apply. All rates subject to change without notice. Maximum rate is 18.00%.
DISCLAIMER
*.25% (25 basis point) rate (APR) discount offered on a new auto loan for members with an existing checking or loan relationship with NC Community Credit Union. Must be an active member prior to consummation of the loan to have the discount applied. Final interest rate subject to standard underwriting guidelines.
*.25% (25 basis point) rate (APR) discount offered on a new auto loan for members with an existing checking or loan relationship with NC Community Credit Union. Must be an active member prior to consummation of the loan to have the discount applied. Final interest rate subject to standard underwriting guidelines.