All Rates

Featured Rates

Mortgage Rates

  •  
Rate
APR
Points
30 Year Fixed Rate 4.125% 4.160% 0.000%
5/5 Non-Conforming ARM Primary Residence 2.990% 3.975% 0.000%
7/1 Non-Conforming ARM Primary Residence 3.990% 3.610% 0.000%

Loan Rates

Autos, RVs, Motorcycles, Boats, Snowmobiles, ATVs

  • Effective:  07-29-2014
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
2010 - New 4 years 2.49% $21.92
2011 - New 5 years 2.99% $17.97
2011 - New 5.5 years 3.24% $16.57
2012 - New 6 years 3.49% $15.42
2012 - 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:  07-29-2014
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:  07-29-2014
Annual Percentage Rate Alert Me
Visa Platinum (Variable Rate)1 5.15%2
Visa Platinum RewardsTM Card (Variable Rate) 7.15%
  • 1The index is the Wall Street Journal Prime published on the last Wednesday of the month prior to the last VISA system cycle date, 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:  07-29-2014
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:  07-29-2014
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:  07-29-2014
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:  07-29-2014
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:  07-29-2014
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:  07-29-2014
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:  07-29-2014
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:  07-29-2014
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:  07-29-2014
Minimum to Open Current Rate Annual Percentage Yield1 Alert Me
Checking Account $252 0.05% 0.05%
  • 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:  07-29-2014
Minimum to Open Current Rate Annual Percentage Yield1 Alert Me
Savings Account $5 0.20% 0.20%
  • 1Rates are subject to change after account opening.
 

Special Certificate

  • Effective:  07-29-2014
Minimum to Open Current Rate Annual Percentage Yield Alert Me
9 months $1,000 .65% .65%
Early withdrawal penalties may apply.
 

Power Account

  • Effective:  07-29-2014
Minimum to Open Current 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 .35% .35%2
Balance of $50,000 and above $1,000 .50% .50%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:  07-29-2014
Under $25,000 Over $25,000
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
90 to 179 days $ 1,000 .30% .30% .45% .45%
180 to 364 days $ 1,000 .40% .40% .55% .55%
1 to 2 years $ 1,000 .60% .60% .75% .75%
2 to 3 years $ 1,000 .85% .85% 1.00% 1.00%
3 to 5 years $ 1,000 1.05% 1.05% 1.20% 1.20%
5 years $ 1,000 1.70% 1.71% 1.85% 1.86%
Early withdrawal penalties may apply.
 

Future Saver Certificate (Variable Rate)

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
1 to 5 years $25 0.80% 0.80% 0.80% 0.80%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Education Fund (variable rate)

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
8 years or until child is 18 $5 2.40% 2.42% 2.40% 2.42%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Coverdell Education Savings

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
Share Account $5 0.20% 0.20% 0.20% 0.20%
Rates are subject to change after account opening.
 

Coverdell Education Savings (fixed rate)

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
1 year certificate $500 .60% .60% .75% .75%
Early withdrawal penalties may apply.
 

Coverdell Education Savings (variable rate)

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
18 month certificate $5 1.05% 1.05% 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 4.125% 4.160% 0.000%
5/5 Non-Conforming ARM Primary Residence 2.990% 3.975% 0.000%
7/1 Non-Conforming ARM Primary Residence 3.990% 3.610% 0.000%

Home Equity Line of Credit

  • Effective:  07-29-2014
Annual Percentage Rate1 Index2 Margin Loan to Value3 Alert Me
3.50% 3.25% - 0.50 up to 80%
4.50% 3.25% +1.25 80.01% - 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.
  • 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:  07-29-2014
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:  07-29-2014
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:  07-29-2014
Minimum to Open Current Rate Annual Percentage Yield Alert Me
SPECIAL - 9 month certificate $ 1,000 .65% .65%
Early withdrawal penalties may apply.
 

ROTH IRA (variable rate)

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
18 month certificate $5 1.05% 1.05% 1.20% 1.21%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

ROTH IRA (fixed rate)

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
1 year certificate $1,000 .60% .60% .75% .75%
2 year certificate $1,000 .85% .85% 1.00% 1.00%
3 year certificate $1,000 1.05% 1.05% 1.20% 1.20%
5 year certificate $1,000 1.70% 1.71% 1.85% 1.86%
Early withdrawal penalties may apply.
 

Roth Share Account

  • Effective:  07-29-2014
Minimum to Open Current Rate Annual Percentage Yield Alert Me
Roth Share Account $5 0.20% 0.20%
Rates are subject to change after account opening.
 

Traditional IRA

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
IRA Share Account $5 0.20% 0.20% 0.20% 0.20%
Rates are subject to change after account opening.
 

Traditional IRA (fixed rate) - special

  • Effective:  07-29-2014
Minimum to Open Current Rate Annual Percentage Yield Alert Me
SPECIAL - 9 month certificate $ 1,000 .65% .65%
Early withdrawal penalties may apply.
 

Traditional IRA (fixed rate)

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
1 to 2 years $ 1,000 .60% .60% .75% .75%
2 to 3 years $ 1,000 .85% .85% 1.00% 1.00%
3 to 5 years $ 1,000 1.05% 1.05% 1.20% 1.20%
5 years $ 1,000 1.70% 1.71% 1.85% 1.86%
Early withdrawal penalties may apply.
 

Traditional IRA (variable rate)

  • Effective:  07-29-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
18 month certificate $ 5 1.05% 1.05% 1.20% 1.21%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Term Share Certificate

  • Effective:  07-29-2014
Under $25,000 Over $25,000
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
90 to 179 days $ 1,000 .30% .30% .45% .45%
180 to 364 days $ 1,000 .40% .40% .55% .55%
1 to 2 years $ 1,000 .60% .60% .75% .75%
2 to 3 years $ 1,000 .85% .85% 1.00% 1.00%
3 to 5 years $ 1,000 1.05% 1.05% 1.20% 1.20%
5 years $ 1,000 1.70% 1.71% 1.85% 1.86%
Early withdrawal penalties may apply.