Rates

Current Loan Rates

Auto Loan Rates
Model Years
Term Offered (Months)
Rates as low as**
(APR)*
New, 2016-2017 48 2.89%
49-66 3.09%
72 3.29%
Used, 2015-2016 48 2.99%
49-66 3.29%
72 3.49%
2013-2014 48 3.29%
49-60 3.99%
2010-2012 48 3.99%
49-60 4.39%
2006-2009 36 4.69%
37 to 48 4.99%
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*
SHhe (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%.

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