All Rates

Featured Rates

Mortgage Rates

  •  
Conventional
Rate
APR
Points
30 Year Fixed Rate 4.375% 4.400% 0.000%
7/1 Non-Conforming ARM Primary Residence 4.000% 4.414% 0.000%
FHA
Rate
APR
Points
FHA 30 Year Fixed Rate 4.250% 4.939% 0.000%

Table data for Auto
 02-20-2018
Models1 Term (yrs)2 Annual Percentage Rate Alert Me
Fixed Any Model Year 1-4 years 2.44%3
2013 - New 5 years 2.44%
2013 - New 6 years 2.44%
2016 - New 7 years4 3.84%
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.
  • 3Add 1% if 2012 or older, 100,000 miles, rebuilt/salvaged titles or untitled collateral.
  • 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
 02-20-2018
Models1 Term (yrs)2 Annual Percentage Rate Alert Me
Fixed Any Model Year 1-4 years 3.44%
2013 - New 5 years 3.44%
2013 - New 6 years 3.44%
New Only 7 years3 4.84%
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.
  • 37 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
 02-20-2018
Annual Percentage Rate Alert Me
Visa Explorer (Variable Rate)1 6.40%2
Visa Explorer RewardsTM Card (Variable Rate) 8.40%
  • 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.

Table data for Personal Loan
 02-20-2018
Annual Percentage Rate Alert Me
Fixed Rate1 7.99%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Auto Repair/Improvement
 02-20-2018
Annual Percentage Rate Alert Me
Fixed Rate1 6.99%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Home Improvement
 02-20-2018
Annual Percentage Rate Alert Me
Fixed Rate1 6.99%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Income Tax Loan
 02-20-2018
Annual Percentage Rate Alert Me
Fixed Rate1 6.99%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Fuel Assistance
 02-20-2018
Annual Percentage Rate1 Alert Me
Fixed Rate2 6.99%
  • 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
 02-20-2018
Annual Percentage Rate Alert Me
Fixed Rate1 11.99%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Share Pledge
 02-20-2018
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
 02-20-2018
Annual Percentage Rate1 Alert Me
Fixed Rate 6.99%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
 02-20-2018
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.

Table data for Savings
 02-20-2018
Minimum to Open Dividend Rate Annual Percentage Yield1 Alert Me
Savings Account $5 .20% .20%
  • 1Rates are subject to change after account opening.

Table data for Special Certificate
 02-20-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
30 months $1,000 1.45% 1.46%
15 months $1,000 1.30% 1.31%
Early withdrawal penalties may apply.

Table data for Power Account
 02-20-2018
Minimum to Open Dividend Rate Annual Percentage Yield1 Alert Me
Balance of $1,000 - $9,999 $1,000 .30% .30%2
Balance of $10,000 - $49,999 $1,000 .45% .45%2
Balance of $50,000 and above $1,000 .75% .75%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.

Table data for Term Share Certificate
 02-20-2018
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 .95% .95%
$25,000 and Over 1.10% 1.10%
2 to 3 years $1,000 Under $25,000 1.10% 1.10%
$25,000 and Over 1.25% 1.26%
3 to 5 years $1,000 Under $25,000 1.30% 1.31%
$25,000 and Over 1.45% 1.46%
5 years $1,000 Under $25,000 2.15% 2.17%
$25,000 and Over 2.30% 2.32%
Early withdrawal penalties may apply.

Table data for Future Saver Certificate (variable Rate)
 02-20-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 to 5 years $25 Under $25,000 .95% .95%
$25,000 and Over .95% .95%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Education Fund (variable rate)
 02-20-2018
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.

Table data for Coverdell Education Savings
 02-20-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
Share Account $5 Under $25,000 .20% .20%
$25,000 and Over .20% .20%
Rates are subject to change after account opening.

Table data for Coverdell Education Savings (fixed rate)
 02-20-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year certificate $500 Under $25,000 .95% .95%
$25,000 and Over 1.10% 1.10%
Early withdrawal penalties may apply.

Table data for Coverdell Education Savings (variable rate)
 02-20-2018
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

  •  
Conventional
Rate
APR
Points
30 Year Fixed Rate 4.375% 4.400% 0.000%
7/1 Non-Conforming ARM Primary Residence 4.000% 4.414% 0.000%
FHA
Rate
APR
Points
FHA 30 Year Fixed Rate 4.250% 4.939% 0.000%

Table data for Home Equity Line of Credit
 02-20-2018
Annual Percentage Rate1 Index2 Margin Loan to Value3 Alert Me
3.75% 4.25% - 0.50 up to 80% Receive a notification when this rate changes
5.50% 4.25% +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 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.

Table data for Home Equity Plus
 02-20-2018
Annual Percentage Rate1 Term Monthly Payment per $10002 Loan to Value3 Alert Me
2.95%4 5 years $17.95 up to 80%
3.95%4 10 years $10.10 up to 80%
4.75%4 15 years $7.78 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

Table data for Home Equity Plus CLTV 80.01% to 85%
 02-20-2018
Annual Percentage Rate1 Term Monthly Payment per $10002 Loan to Value3 Alert Me
3.95%4 5 years $18.39 up to 85%
4.95%4 10 years $10.58 up to 85%
5.75%4 15 years $8.30 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

Table data for ROTH IRA (fixed rate) - special
 02-20-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
SPECIAL - 30 month certificate $ 1,000 1.45% 1.46%
SPECIAL - 15 month certificate $1,000 1.30% 1.31%
Early withdrawal penalties may apply.

Table data for Roth IRA (variable rate)
 02-20-2018
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.

Table data for Roth IRA (fixed rate)
 02-20-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year certificate $1,000 Under $25,000 .95% .95%
$25,000 and Over 1.10% 1.10%
2 year certificate $1,000 Under $25,000 1.10% 1.10%
$25,000 and Over 1.25% 1.26%
3 year certificate $1,000 Under $25,000 1.30% 1.31%
$25,000 and Over 1.45% 1.46%
5 year certificate $1,000 Under $25,000 2.15% 2.17%
$25,000 and Over 2.30% 2.32%
Early withdrawal penalties may apply.

Table data for Roth Share Account
 02-20-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
Roth Share Account $5 .20% .20%
Rates are subject to change after account opening.

Table data for Traditional IRA
 02-20-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
IRA Share Account $5 Under $25,000 .20% .20%
$25,000 and Over .20% .20%
Rates are subject to change after account opening.

Table data for Traditional IRA (fixed rate) - special
 02-20-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
SPECIAL - 30 month certificate $ 1,000 1.45% 1.46%
SPECIAL - 15 month certificate $1,000 1.30% 1.31%
Early withdrawal penalties may apply.

Table data for Traditional IRA (fixed rate)
 02-20-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 to 2 years $1,000 Under $25,000 .95% .95%
$25,000 and Over 1.10% 1.10%
2 to 3 years $1,000 Under $25,000 1.10% 1.10%
$25,000 and Over 1.25% 1.26%
3 to 5 years $1,000 Under $25,000 1.30% 1.31%
$25,000 and Over 1.45% 1.46%
5 years $1,000 Under $25,000 2.15% 2.17%
$25,000 and Over 2.30% 2.32%
Early withdrawal penalties may apply.

Table data for Traditional IRA (variable rate)
 02-20-2018
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.

Table data for Term Share Certificate
 02-20-2018
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 .95% .95%
$25,000 and Over 1.10% 1.10%
2 to 3 years $1,000 Under $25,000 1.10% 1.10%
$25,000 and Over 1.25% 1.26%
3 to 5 years $1,000 Under $25,000 1.30% 1.31%
$25,000 and Over 1.45% 1.46%
5 years $1,000 Under $25,000 2.15% 2.17%
$25,000 and Over 2.30% 2.32%
Early withdrawal penalties may apply.