All Rates

Featured Rates

Mortgage Rates

  •  
Conventional
Rate
APR
Points
30 Year Fixed Rate 4.625% 4.650% 0.000%
7/1 Non-Conforming ARM Primary Residence 4.250% 4.914% 0.000%
FHA
Rate
APR
Points
FHA 30 Year Fixed Rate 4.375% 5.086% 0.000%

Table data for Auto
 12-17-2018
Models1 Term (yrs)2 Annual Percentage Rate Alert Me
Fixed Any Model Year 1-4 years 3.09%3
2013 - New 5 years 3.49%
2013 - New 6 years 3.89%
2016 - New 7 years4 4.69%
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
 12-17-2018
Models1 Term (yrs)2 Annual Percentage Rate Alert Me
Fixed Any Model Year 1-4 years 4.09%
2013 - New 5 years 4.49%
2013 - New 6 years 4.89%
New Only 7 years3 5.69%
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
 12-17-2018
Annual Percentage Rate Alert Me
Visa Explorer (Variable Rate)1 7.15%2
Visa Explorer RewardsTM Card (Variable Rate) 9.15%
  • 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
 12-17-2018
Annual Percentage Rate Alert Me
Fixed Rate1 8.74%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Auto Repair/Improvement
 12-17-2018
Annual Percentage Rate Alert Me
Fixed Rate1 7.74%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Home Improvement
 12-17-2018
Annual Percentage Rate Alert Me
Fixed Rate1 7.74%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Income Tax Loan
 12-17-2018
Annual Percentage Rate Alert Me
Fixed Rate1 7.74%
  • 1These are our posted rates; your rate could vary according to your credit.

Table data for Personal Loan - Fuel Assistance
 12-17-2018
Annual Percentage Rate1 Alert Me
Fixed Rate2 7.74%
  • 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
 12-17-2018
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
 12-17-2018
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
 12-17-2018
Annual Percentage Rate1 Alert Me
Fixed Rate 7.74%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
 12-17-2018
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
 12-17-2018
Minimum to Open Dividend Rate Annual Percentage Yield1 Alert Me
Savings Account $5 .40% .40%
  • 1Rates are subject to change after account opening.

Table data for Special Certificate
 12-17-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
30 months $1,000 2.50% 2.52%
15 months $1,000 1.90% 1.91%
Early withdrawal penalties may apply.

Table data for Power Account
 12-17-2018
Minimum to Open Dividend Rate Annual Percentage Yield1 Alert Me
Balance of $1,000 - $9,999 $1,000 .35% .35%2
Balance of $10,000 - $49,999 $1,000 .75% .75%2
Balance of $50,000 - $99,999 $1,000 1.20% 1.21%2
Balance of $100,000 and above $1,000 1.45% 1.46%
  • 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
 12-17-2018
Term Minimum to Open 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 .75% .75%
$25,000 and Over .90% .90%
1 to 2 years $1,000 Under $25,000 1.55% 1.56%
$25,000 and Over 1.70% 1.71%
2 to 3 years $1,000 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
3 to 5 years $1,000 Under $25,000 2.00% 2.02%
$25,000 and Over 2.15% 2.17%
5 years $1,000 Under $25,000 3.00% 3.03%
$25,000 and Over 3.15% 3.18%
Early withdrawal penalties may apply.

Table data for Future Saver Certificate (variable rate)
 12-17-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 to 5 years $25 Under $25,000 1.70% 1.71%
$25,000 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)
 12-17-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
12 months $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
 12-17-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
Share Account $5 Under $25,000 .40% .40
$25,000 and Over .40% .40%
Rates are subject to change after account opening.

Table data for Coverdell Education Savings (fixed rate)
 12-17-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year certificate $500 Under $25,000 1.55% 1.56%
$25,000 and Over 1.70% 1.71%
Early withdrawal penalties may apply.

Table data for Coverdell Education Savings (variable rate)
 12-17-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.50% 1.51%
$25,000 and Over 1.65% 1.66%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Mortgage Rates

  •  
Conventional
Rate
APR
Points
30 Year Fixed Rate 4.625% 4.650% 0.000%
7/1 Non-Conforming ARM Primary Residence 4.250% 4.914% 0.000%
FHA
Rate
APR
Points
FHA 30 Year Fixed Rate 4.375% 5.086% 0.000%

Table data for Home Equity Line of Credit
 12-17-2018
Annual Percentage Rate1 Index2 Margin Loan to Value3 Alert Me
4.75% 5.25% - 0.50 up to 80% Receive a notification when this rate changes
6.50% 5.25% +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 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
 12-17-2018
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%
 12-17-2018
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 ROTH IRA (fixed rate) - special
 12-17-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
SPECIAL - 30 month certificate $ 1,000 2.50% 2.52%
SPECIAL - 15 month certificate $1,000 1.90% 1.91%
Early withdrawal penalties may apply.

Table data for Roth IRA (variable rate)
 12-17-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.50% 1.51%
$25,000 and Over 1.65% 1.66%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Roth IRA (fixed rate)
 12-17-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 to 2 years $1,000 Under $25,000 1.55% 1.56%
$25,000 and Over 1.70% 1.71%
2 to 3 years $1,000 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
3 to 5 years $1,000 Under $25,000 2.00% 2.02%
$25,000 and Over 2.15% 2.17%
5 years $1,000 Under $25,000 3.00% 3.03%
$25,000 and Over 3.15% 3.18%
Early withdrawal penalties may apply.

Table data for Roth Share Account
 12-17-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
Roth Share Account $5 .40% .40%
Rates are subject to change after account opening.

Table data for Traditional IRA
 12-17-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
IRA Share Account $5 Under $25,000 .40% .40%
$25,000 and Over .40% .40%
Rates are subject to change after account opening.

Table data for Traditional IRA (fixed rate) - special
 12-17-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
SPECIAL - 30 month certificate $ 1,000 2.50% 2.52%
SPECIAL - 15 month certificate $1,000 1.90% 1.91%
Early withdrawal penalties may apply.

Table data for Traditional IRA (fixed rate)
 12-17-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 to 2 years $1,000 Under $25,000 1.55% 1.56%
$25,000 and Over 1.70% 1.71%
2 to 3 years $1,000 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
3 to 5 years $1,000 Under $25,000 2.00% 2.02%
$25,000 and Over 2.15% 2.17%
5 years $1,000 Under $25,000 3.00% 3.03%
$25,000 and Over 3.15% 3.18%
Early withdrawal penalties may apply.

Table data for Traditional IRA (variable rate)
 12-17-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.50% 1.51%
$25,000 and Over 1.65% 1.66%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Term Share Certificate
 12-17-2018
Term Minimum to Open 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 .75% .75%
$25,000 and Over .90% .90%
1 to 2 years $1,000 Under $25,000 1.55% 1.56%
$25,000 and Over 1.70% 1.71%
2 to 3 years $1,000 Under $25,000 1.85% 1.86%
$25,000 and Over 2.00% 2.02%
3 to 5 years $1,000 Under $25,000 2.00% 2.02%
$25,000 and Over 2.15% 2.17%
5 years $1,000 Under $25,000 3.00% 3.03%
$25,000 and Over 3.15% 3.18%
Early withdrawal penalties may apply.