All Rates

Featured Rates

Mortgage Rates

  •  
Rate
APR
Points
30 Year Fixed Rate 3.375% 3.398% 0.000%
5/5 Non-Conforming ARM Primary Residence 2.750% 3.502% 0.000%
7/1 Non-Conforming ARM Primary Residence 2.990% 3.287% 0.000%

Loan Rates

Autos, RVs, Motorcycles, Boats, Snowmobiles, ATVs

  • Effective:  08-25-2016
Models1 Term (yrs)2 Annual Percentage Rate3 Monthly Payment per $1000 Alert Me
Fixed Any Model Year 1 year 0.99%4 $83.78
Any Model Year 2 years 1.95%4 $42.52
Any Model Year 3 years 2.24%4 $28.75
2012 - New 4 years 2.49% $21.92
2013 - New 5 years 2.99% $17.97
2013 - New 5.5 years 3.24% $16.57
2014 - New 6 years 3.49% $15.42
2014 - New 6.5 years 3.74% $14.47
New Only 7 years5 3.99% $13.67
These are our posted rates; your rate could vary according to your credit.
  • 1"New" is current model year or one model year old with less than 2500 miles
  • 2Terms could be limited, depending upon your credit.
  • 3Rate not available for loans already with NEFCU.
  • 4Add 1% to stated rates on untitled collateral with a maximum term of 36 months
  • 57 year (84 mos.) New titled collateral (including business purpose titled transportation vehicles and equipment), $25,000 minimum loan amount, <$50,000 for business collateral.
 

Titled: Boats / RVs

  • Effective:  08-25-2016
Term (yrs)1 Annual Percentage Rate2 Monthly Payment per $1000 Alert Me
Fixed Rate3 8 years4 4.99% $12.66
Fixed Rate3 10 years5 6.49% $11.36
Fixed Rate3 15 years6 7.24% $9.13
  • 1Terms could be limited, depending upon your credit.
  • 2These are our posted rates; your rate could vary according to your credit.
  • 3Rate not available for loans already with NEFCU.
  • 48 year (96 mos.) New and Used Boats and RVs, $30,000 minimum loan amount.
  • 510 year (120 mos.) New and Used Boats and RVs, $30,000 minimum loan amount.
  • 615 year (180 mos.) New Boats and RVs only, $40,000 minimum loan amount. New Boats (25% down payment), new RVs (20% down payment).
 

Credit Card

  • Effective:  08-25-2016
Annual Percentage Rate Alert Me
Visa Explorer (Variable Rate)1 5.40%2
Visa Explorer RewardsTM Card (Variable Rate) 7.40%
  • 1The index is the Wall Street Journal Prime published on the last Wednesday of the month prior, plus your margin as determined by an evaluation of your credit.
  • 2All rates quoted are subject to change monthly, the maximum interest rate is 18%. The rate may increase after the consummation of the loan. These are our posted rates; your rate could vary according to your credit.
 

Personal Loan

  • Effective:  08-25-2016
Annual Percentage Rate Alert Me
Fixed Rate1 9.49%
  • 1These are our posted rates; your rate could vary according to your credit.
 

Personal Loan - Auto Repair/Improvement

  • Effective:  08-25-2016
Annual Percentage Rate Alert Me
Fixed Rate1 7.49%
  • 1These are our posted rates; your rate could vary according to your credit.
 

Personal Loan - Home Improvement

  • Effective:  08-25-2016
Annual Percentage Rate Alert Me
Fixed Rate1 7.49%
  • 1These are our posted rates; your rate could vary according to your credit.
 

Personal Loan - Income Tax Loan

  • Effective:  08-25-2016
Annual Percentage Rate Alert Me
Fixed Rate1 7.49%
  • 1These are our posted rates; your rate could vary according to your credit.
 

Personal Loan - Fuel Assistance

  • Effective:  08-25-2016
Annual Percentage Rate1 Alert Me
Fixed Rate2 7.49%
  • 1Funds are paid to the Service Provider. Uses for funds are limited, please call for details.
  • 2These are our posted rates; your rate could vary according to your credit.
 

Revolving Line of Credit

  • Effective:  08-25-2016
Annual Percentage Rate Alert Me
Fixed Rate1 11.99%
  • 1These are our posted rates; your rate could vary according to your credit.
 

Share Pledge

  • Effective:  08-25-2016
Annual Percentage Rate Alert Me
Variable Rate1 normal terms apply current share rate +3.0%
Share pledge loans not subject to credit evaluation.
  • 1Variable rates may increase after consummation of the loan.
 

Lifestyle Loan

  • Effective:  08-25-2016
Annual Percentage Rate1 Alert Me
Fixed Rate 9.25%2
  • 1These are our posted rates; your rate could vary according to your credit.
  • 2Funds are paid to the Service Provider. Uses for funds are limited, please call for details.
 

Account Rates

Checking

  • Effective:  08-25-2016
Minimum to Open Dividend Rate Annual Percentage Yield1 Alert Me
Checking Account $252 .05% .05%
  • 1Rates are subject to change after account opening.
  • 2A minimum daily balance of $500 must be maintained in your account each day to obtain the disclosed APY.
 

Savings

  • Effective:  08-25-2016
Minimum to Open Dividend Rate Annual Percentage Yield1 Alert Me
Savings Account $5 .15% .15%
  • 1Rates are subject to change after account opening.
 

Special Certificate

  • Effective:  08-25-2016
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
9 months $1,000 .65% .65%
Early withdrawal penalties may apply.
 

Power Account

  • Effective:  08-25-2016
Minimum to Open Dividend Rate Annual Percentage Yield1 Alert Me
Balance of $1,000 - $9,999 $1,000 .25% .25%2
Balance of $10,000 - $49,999 $1,000 .30% .30%2
Balance of $50,000 and above $1,000 .45% .45%2
  • 1Rates are subject to change after account opening.
  • 2A minimum daily balance of $1,000 must be maintained in your account each day to obtain the disclosed APY.
 

Term Share Certificate

  • Effective:  08-25-2016
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
90 to 179 days $1,000 Under $25,000 .30% .30%
$25,000 and Over .45% .45%
180 to 364 days $1,000 Under $25,000 .40% .40%
$25,000 and Over .55% .55%
1 to 2 years $1,000 Under $25,000 .60% .60%
$25,000 and Over .75% .75%
2 to 3 years $1,000 Under $25,000 .85% .85%
$25,000 and Over 1.00% 1.00%
3 to 5 years $1,000 Under $25,000 1.05% 1.05%
$25,000 and Over 1.20% 1.20%
5 years $1,000 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
Early withdrawal penalties may apply.
 

Future Saver Certificate (variable Rate)

  • Effective:  08-25-2016
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 to 5 years $25 Under $25,000 .80% .80%
$25,000 and Over .80% .80%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Education Fund (variable rate)

  • Effective:  08-25-2016
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
8 years or until child is 18 $5 Under $25,000 2.40% 2.42%
$25,000 and Over 2.40% 2.42%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Coverdell Education Savings

  • Effective:  08-25-2016
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
Share Account $5 Under $25,000 .15% .15%
$25,000 and Over .15% .15%
Rates are subject to change after account opening.
 

Coverdell Education Savings (fixed rate)

  • Effective:  08-25-2016
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year certificate $500 Under $25,000 .60% .60%
$25,000 and Over .75% .75%
Early withdrawal penalties may apply.
 

Coverdell Education Savings (variable rate)

  • Effective:  08-25-2016
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.05% 1.05%
$25,000 and Over 1.20% 1.21%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Mortgage Rates

Mortgage Rates

  •  
Rate
APR
Points
30 Year Fixed Rate 3.375% 3.398% 0.000%
5/5 Non-Conforming ARM Primary Residence 2.750% 3.502% 0.000%
7/1 Non-Conforming ARM Primary Residence 2.990% 3.287% 0.000%

Home Equity Line of Credit

  • Effective:  08-25-2016
Annual Percentage Rate1 Index2 Margin Loan to Value3 Alert Me
3.50% 3.50% - 0.50 up to 80% Be notified when this rate changes
4.75% 3.50% +1.25 80.01% - 85% Be notified when this rate changes
Generally, fees paid by NEFCU. If appraisal required, member-paid fees may range from $350 to $550. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed.
  • 1All rates quoted are subject to change monthly, the maximum interest rate is 18% and the minimum interest rate is 3.50%. The rate may increase after the consummation of the loan. These are our posted rates; your rate could vary according to your credit.
  • 2The Index is the Prime Rate published in the Wall Street Journal on the last Wednesday of each month.
  • 3Maximum allowable loan to values may vary based on current market conditions. Call a loan officer for further details.
 

Home Equity Plus

  • Effective:  08-25-2016
Annual Percentage Rate1 Term Monthly Payment per $10002 Loan to Value3 Alert Me
3.49%4 5 years $18.19 up to 80%
4.24%4 10 years $10.25 up to 80%
5.24%4 15 years $8.04 up to 80%
Generally, fees paid by NEFCU. If appraisal required, member-paid fees may range from $350 to $550. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed.
  • 1These are our posted rates; your rate could vary according to your credit.
  • 2The payment amount may be higher if escrows for property taxes, homeowner's insurance or mortgage insurance are applicable.
  • 3Maximum allowable loan to values may vary based on current market conditions. Call a loan officer for further details.
  • 4Fixed Rate
 

Home Equity Plus CLTV 80.01% to 85%

  • Effective:  08-25-2016
Annual Percentage Rate1 Term Monthly Payment per $10002 Loan to Value3 Alert Me
4.49%4 5 years $18.64 up to 85%
5.24%4 10 years $10.72 up to 85%
6.24%4 15 years $8.57 up to 85%
Generally, fees paid by NEFCU. If appraisal required, member-paid fees may range from $350 to $550. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed.
  • 1These are our posted rates; your rate could vary according to your credit.
  • 2The payment amount may be higher if escrows for property taxes, homeowner's insurance or mortgage insurance are applicable.
  • 3Maximum allowable loan to values may vary based on current market conditions. Call a loan officer for further details.
  • 4Fixed Rate
 

Investment Rates

ROTH IRA (fixed rate) - special

  • Effective:  08-25-2016
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
SPECIAL - 9 month certificate $ 1,000 .65% .65%
Early withdrawal penalties may apply.
 

Roth IRA (variable rate)

  • Effective:  08-25-2016
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.05% 1.05%
$25,000 and Over 1.20% 1.21%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Roth IRA (fixed rate)

  • Effective:  08-25-2016
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year certificate $1,000 Under $25,000 .60% .60%
$25,000 and Over .75% .75%
2 year certificate $1,000 Under $25,000 .85% .85%
$25,000 and Over 1.00% 1.00%
3 year certificate $1,000 Under $25,000 1.05% 1.05%
$25,000 and Over 1.20% 1.20%
5 year certificate $1,000 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
Early withdrawal penalties may apply.
 

Roth Share Account

  • Effective:  08-25-2016
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
Roth Share Account $5 .15% .15%
Rates are subject to change after account opening.
 

Traditional IRA

  • Effective:  08-25-2016
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
IRA Share Account $5 Under $25,000 .15% .15%
$25,000 and Over .15% .15%
Rates are subject to change after account opening.
 

Traditional IRA (fixed rate) - special

  • Effective:  08-25-2016
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
SPECIAL - 9 month certificate $ 1,000 .65% .65%
Early withdrawal penalties may apply.
 

Traditional IRA (fixed rate)

  • Effective:  08-25-2016
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 to 2 years $1,000 Under $25,000 .60% .60%
$25,000 and Over .75% .75%
2 to 3 years $1,000 Under $25,000 .85% .85%
$25,000 and Over 1.00% 1.00%
3 to 5 years $1,000 Under $25,000 1.05% 1.05%
$25,000 and Over 1.20% 1.20%
5 years $1,000 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
Early withdrawal penalties may apply.
 

Traditional IRA (variable rate)

  • Effective:  08-25-2016
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.05% 1.05%
$25,000 and Over 1.20% 1.21%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Term Share Certificate

  • Effective:  08-25-2016
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
90 to 179 days $1,000 Under $25,000 .30% .30%
$25,000 and Over .45% .45%
180 to 364 days $1,000 Under $25,000 .40% .40%
$25,000 and Over .55% .55%
1 to 2 years $1,000 Under $25,000 .60% .60%
$25,000 and Over .75% .75%
2 to 3 years $1,000 Under $25,000 .85% .85%
$25,000 and Over 1.00% 1.00%
3 to 5 years $1,000 Under $25,000 1.05% 1.05%
$25,000 and Over 1.20% 1.20%
5 years $1,000 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
Early withdrawal penalties may apply.