All Rates

Featured Rates

Mortgage Rates

  •  
Conventional
Rate
APR
Points
30 Year Fixed Rate 3.750% 3.782% 0.000%
10/1 Non-Conforming ARM Primary Residence 3.375% 3.839% 0.000%
FHA
Rate
APR
Points
FHA 30 Year Fixed Rate 3.250% 3.944% 0.000%

Table data for Auto
 12-13-2019
Models1 Term (yrs)2 APR Payment Per $1,000 Alert Me
Fixed Any Model Year 1-4 years 3.49% See below3
2014 - New 5 years 3.89% $18.37
2014 - New 6 years 4.25% $15.76
2017 - New 7 years4 5.09% $14.18
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. Longer terms may be available please call for details.
  • 3PAYMENT EXAMPLE: The monthly payment on a 12 month term at 3.49% APR would be $84.92; 24 month term at 3.49% APR would be $43.20; 36 month term at 3.49% APR would be $29.30; and 48 month term at 3.49% APR would be $22.35.
  • 47 year (84 mos.) New titled collateral (including business purpose titled transportation vehicles and equipment), $25,000 minimum loan amount, <$50,000 for business collateral.

Table data for Boats, RVs, Motorcycles, ATVs and Snowmobiles
 12-13-2019
Models1 Term (yrs)2 APR Payment Per $1,000 Alert Me
Fixed Any Model Year 1-4 years 3.49% See below3
2014 - New 5 years 3.89% $18.37
2014 - New 6 years 4.25% $15.76
New Only 7 years4 5.09% $14.18
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. Longer terms may be available please call for details.
  • 3PAYMENT EXAMPLE: The monthly payment on a 12 month term at 4.49% APR would be $85.37; 24 month term at 4.49% APR would be $43.64; 36 month term at 4.49% APR would be $29.74; and 48 month term at 4.49% APR would be $22.80.
  • 47 year (84 mos.) New titled collateral (including business purpose titled transportation vehicles and equipment), $25,000 minimum loan amount, <$50,000 for business collateral.

Table data for Credit Card
 12-13-2019
Annual Percentage Rate Alert Me
Visa Explorer (Variable Rate)1 8.65%2
Visa Explorer RewardsTM Card (Variable Rate) 12.65%
  • 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.

Table data for Personal Loan
 12-13-2019
Annual Percentage Rate Alert Me
Fixed Rate1 9.49%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Auto Repair/Improvement
 12-13-2019
Annual Percentage Rate Alert Me
Fixed Rate1 8.49%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Home Improvement
 12-13-2019
Annual Percentage Rate Alert Me
Fixed Rate1 8.49%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Income Tax Loan
 12-13-2019
Annual Percentage Rate Alert Me
Fixed Rate1 8.49%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Fuel Assistance
 12-13-2019
Annual Percentage Rate1 Alert Me
Fixed Rate2 8.49%
  • 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.

Table data for Revolving Line of Credit
 12-13-2019
Annual Percentage Rate Alert Me
Fixed Rate1 12.74%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Share Pledge
 12-13-2019
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.

Table data for Lifestyle Loan
 12-13-2019
Annual Percentage Rate1 Alert Me
Fixed Rate 8.49%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.

Table data for Checking
 12-13-2019
Minimum to Open & Earn APY 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. Fees could reduce earnings.

Table data for Savings
 12-13-2019
Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield1 Alert Me
Savings Account $5 .40% .40%
  • 1Rates are subject to change after account opening.

Table data for Power Account
 12-13-2019
Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield1 Alert Me
Average Balance of $1,000 - $9,999 $1,000 .40% .40%2
Average Balance $10,000 - $49,999 $1,000 .70% .70%2
Average Balance $50,000 - $99,999 $1,000 1.25% 1.26%2
Average Balance $100,000 and above $1,000 1.40% 1.41%
  • 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.

Table data for Term Share Certificate
 12-13-2019
Term Minimum to Open & Earn APY Balance Tier Dividend Rate Annual Percentage Yield Alert Me
90 to 179 days $1,000 Under $25,000 .75% .75%
$25,000 and Over .90% .90%
180 to 364 days $1,000 Under $25,000 1.25% 1.26%
$25,000 and Over 1.40% 1.41%
12 to 23 Months $1,000 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
24 to 35 Months $1,000 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
36 to 59 Months $1,000 Under $25,000 1.80% 1.81%
$25,000 and Over 1.95% 1.96%
60 Months & Above $1,000 Under $25,000 1.90% 1.91%
$25,000 and Over 2.05% 2.07%
Early withdrawal penalties may apply.

Table data for Future Saver Certificate (variable rate)
 12-13-2019
Term Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield Alert Me
12 to 60 Months $25 1.60% 1.61%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Uniform Transfer to Minor Act (variable rate)
 12-13-2019
Term Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield Alert Me
12 months $5 2.15% 2.17%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Coverdell Education Savings
 12-13-2019
Type Minimum to Open & Earn APY Balance Tier Dividend Rate Annual Percentage Yield Alert Me
Share Account $5 Under $25,000 .40% .40
Rates are subject to change after account opening.

Table data for Coverdell Education Savings (fixed rate)
 12-13-2019
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year certificate $500 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
Early withdrawal penalties may apply.

Table data for Coverdell Education Savings (variable rate)
 12-13-2019
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Mortgage Rates

  •  
Conventional
Rate
APR
Points
30 Year Fixed Rate 3.750% 3.782% 0.000%
10/1 Non-Conforming ARM Primary Residence 3.375% 3.839% 0.000%
FHA
Rate
APR
Points
FHA 30 Year Fixed Rate 3.250% 3.944% 0.000%

Table data for Home Equity Line of Credit
 12-13-2019
Annual Percentage Rate1 Index2 Margin Loan to Value3 Alert Me
4.25% 4.75% - 0.50 up to 80% Receive a notification when this rate changes
6.00% 4.75% +1.25 80.01% - 85% Receive a notification 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 4.50%. 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. Up to 80% LTV based on a current appraisal. Up to 75% LTV based on a current Tax Assessed Value. Call a loan officer for further details.

Table data for Home Equity Plus
 12-13-2019
Annual Percentage Rate1 Term Monthly Payment per $10002 Loan to Value3 Alert Me
3.70%4 5 years $18.33 up to 80%
4.70%4 10 years $10.49 up to 80%
5.50%4 15 years $8.20 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. Up to 80% LTV based on a current appraisal. Up to 75% LTV based on a current Tax Assessed Value. Call a loan officer for further details.
  • 4Fixed Rate

Table data for Home Equity Plus CLTV 80.01% to 85%
 12-13-2019
Annual Percentage Rate1 Term Monthly Payment per $10002 Loan to Value3 Alert Me
4.70%4 5 years $18.55 up to 85%
5.70%4 10 years $10.74 up to 85%
6.50%4 15 years $8.47 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. Up to 80% LTV based on a current appraisal. Up to 75% LTV based on a current Tax Assessed Value. Call a loan officer for further details.
  • 4Fixed Rate

Table data for Future Saver Certificate (variable rate)
 12-13-2019
Term Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield Alert Me
12 to 60 Months $25 1.60% 1.61%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
Table data for Future Saver Plus Certificate (variable rate)
 12-13-2019
Term Minimum to Open & Earn APY Balance Tier Dividend Rate Annual Percentage Yield Alert Me
12 Month $25 Under $5,000 3.00% 3.03%
12 Month & Over $25 $5,001 and Over 1.70% 1.71%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
Table data for Uniform Transfer to Minor Act (variable rate)
 12-13-2019
Term Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield Alert Me
12 months $5 2.15% 2.17%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
Table data for Term Share Certificate
 12-13-2019
Term Minimum to Open & Earn APY Balance Tier Dividend Rate Annual Percentage Yield Alert Me
90 to 179 days $1,000 Under $25,000 .75% .75%
$25,000 and Over .90% .90%
180 to 364 days $1,000 Under $25,000 1.25% 1.26%
$25,000 and Over 1.40% 1.41%
12 to 23 Months $1,000 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
24 to 35 Months $1,000 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
36 to 59 Months $1,000 Under $25,000 1.80% 1.81%
$25,000 and Over 1.95% 1.96%
60 Months & Above $1,000 Under $25,000 1.90% 1.91%
$25,000 and Over 2.05% 2.07%
Early withdrawal penalties may apply.
Table data for Coverdell Education Savings
 12-13-2019
Type Minimum to Open & Earn APY Balance Tier Dividend Rate Annual Percentage Yield Alert Me
Share Account $5 Under $25,000 .40% .40
Rates are subject to change after account opening.
Table data for Coverdell Education Savings (fixed rate)
 12-13-2019
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year certificate $500 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
Early withdrawal penalties may apply.
Table data for Coverdell Education Savings (variable rate)
 12-13-2019
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
Table data for IRA Share Account
 12-13-2019
Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield Alert Me
IRA Share Account $5 .40% .40%
Rates are subject to change after account opening.
Table data for Variable Rate Certificate
 12-13-2019
Type Minimum to Open & Earn APY Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
Table data for Fixed Rate
 12-13-2019
Term Minimum to Open & Earn APY Balance Tier Dividend Rate Annual Percentage Yield Alert Me
12 to 23 Months $1,000 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
24 to 35 Months $1,000 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
36 to 59 Months $1,000 Under $25,000 1.80% 1.81%
$25,000 and Over 1.95% 1.96%
60 Months & Above $1,000 Under $25,000 1.90% 1.91%
$25,000 and Over 2.05% 2.07%
Early withdrawal penalties may apply.