Rates

Current Loan Rates

Auto Loan Rates
Model Years
Term Offered (Months)
Rates as low as**
(APR)*
New, 2016-2017 48 4.24%
49-66 4.54%
72 4.84%
Used, 2015-2016 48 4.54%
49-66 4.84%
72 5.34%
2013-2014 48 4.74%
49-60 5.04%
2010-2012 48 5.74%
49-60 6.34%
2008-2009 36 6.44%
37 to 48 6.84%
Recreational Vehicles
BOATS AND RV's
JETSKIs, MOTORCYCLES AND ATVs
As low as 8.50%** APR* // LEARN MORE! As low as 8.50%** APR* LEARN MORE!
Up to 100% Financing Available Up to 100% Financing Available
Boats- Up to 84 Months RVs- Up to 120 Months 36 – 60 months As low as 8.50% APR* Motorcycles- Up to 60 Months
Personal Loan, Share Secured Loan and Visa Credit Card
Type of Loan
Rates 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)

Ask about our auto loan discount for existing members!*

 

*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%.

Current Deposit Rates

Dividend Rates and Minimum Balances as of March 9th, 2017
Account
Rate (APY*)
Yield (APY*)
Min. to Open
Share savings, Christmas Club, Special Purpose 0.05% 0.05% $1.00
Share Bear Club 0.05% 0.05% $1.00
WorkPerksTM and Select Checking Account Balances $25- WorkPerks Checking $100- Select Checking
$000 - $2,499 0.0% 0.0%
$2,500 and up 0.05% 0.05%
IRA Passbook Savings .05% .05% $25.00
Money Market/Cash Management Checking   $1,000
$1,000 to $14,999 0.01% .01%
$15,000 to $100,000 0.07% 0.07%
>$100,000 0.15% 0.15%
IRA/Tiered Share Certificates
 
<$100,000
>$100,000
TERM
RATE
APY*
RATE
APY*
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 = Annual Percentage Yield

 

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.