Loan, Savings, & Certificate Rates at NCCFCU

Current Saving Rates

IRA/Tiered Share Certificates Rates

 <$100,000 Rate≥$100,000 Rate
TERMRATEAPY*RATEAPY*
6-17 Months.10%.10%.18%.18%
18-35 Months.25%.25%.30%.30%
36-59 Months.35%.35%.40%.40%
60 + Months.70%.70%.75%.75%
*APY is Annual Percentage Yield. Rates subject to change without notice.

Dividend Rates and Minimum Balances

ACCOUNTRATE
(APY*)
YIELD
(APY*)
MIN. TO OPEN
Share Savings,
Christmas Club,
Special Purpose
0.05%0.10%$1.00
Share Bear Club0.05%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 Savings0.05%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
*APY is Annual Percentage Yield. Rates subject to change without notice.

Current Loan Rates

Ask about our auto loan discount for existing members!

Auto Loan Rates

MODEL YEARSTERM OFFERED
(Months)
RATE AS LOW AS
(APR*)
New, 2019-2021483.89%
49-663.89%
723.99%
Used, 2017-2018484.19%
49-664.39%
724.59%
2015-2016484.59%
49-664.79%
2013-2014485.49%
49-605.79%
2011-2012366.49%
37-486.99%

*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 RVsJETSKIsMOTORCYCLESATVs
As low as 8.50%** APR*As low as 8.50%** APR*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 AvailableUp to 100% Financing AvailableAs Low As 10.50% APR*As Low As 10.50% APR*As Low As 10.50% APR*
Boats - Up to 84 MonthsUp to 120 Months3.00% Over Deposit Rate
(Excludes Visa Loans)
3.00% Over Deposit Rate
(Excludes Visa Loans)
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%.

Personal Loan, Share Secured Loan and VISA™ Credit Card Rates

LOAN TYPERATE AS LOW AS
Unsecured Personal LoanAs 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.