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NCPD Federal Credit Union Rates


Current Savings Rates

    Savings Rates effective through March 31, 2017

 Dividend RateAPYMinimum Dividend Amount
Savings0.75%0.76%$5.00
Checking0.00%0.00%$0.00
Holiday Club0.75%0.76%$5.00

Current IRA Rates

    IRA Rates effective April 1, 2017 - June 30, 2017

Dividend RateAPYMinimum Dividend Amount
Traditional IRA1.25%1.26%$5.00
Roth IRA1.25%1.26%$5.00

Current Loan Rates

TermAPR
Personal Loan7.50% variable
New Auto/Motorcycle3 year fixed1.75%
4 year fixed1.89%
5 year fixed2.00%
6 year fixed2.10%
Used Auto2 year fixed1.99%
3 year fixed2.19%
4 year fixed2.29%
5 year fixed2.39%
New Boat Loan1-3 year fixed1.75%
4 year fixed1.89%
5 year fixed2.00%
6 year fixed2.10%
7 year fixed2.50%
8 year fixed3.50%
9 year fixed4.50%
10 year fixed5.50%
Used Boat Loan1-3 year fixed2.75%
4 year fixed2.89%
5 year fixed3.00%
6 year fixed3.10%
7 year fixed3.50%
8 year fixed4.50%
Vacation Loan1 year fixed ($3,000 Maximum)5.00%
2 year fixed ($5,000 Maximum)6.50%
Share Secured1-3 year fixed2.50%
4 year fixed2.75%
5 year fixed3.00%
6 year fixed +3.25%
Visa Platinum Classic25-day grace period/no annual fee11.95% fixed
Visa Platinum Premium25-day grace period/no annual fee9.95% fixed
Variable Rate Home Equity LOC1.99% for 2 years and prime for life thereafter4.00% (Prime)
2nd Mortgage Fixed Rate15 Years4.99%
Fixed Rate 1st Mortgages10 Years3.125%
15 Years3.25%
20 Years3.75%
30 Years3.875%
1 Year ARMRate adjusts annually for 30 years2.99%
5/1 ARMFixed Rate for first 5 years3.375% first 5 years
then rate adjusts annually for next 25 years
7/1 ARMFixed Rate for first 7 years3.50% first 7 years
then rate adjusts annually for next 23 years

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