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NCPD Federal Credit Union Rates

Current Savings Rates

rates-savings table
Dividend RateAPY*Minimum Dividend Amount
Savings1.25%1.26%$5.00
Checking0.00%0.00%$0.00
Holiday Club1.25%1.26%$5.00

Savings Rates effective through March 31, 2018

Current IRA Rates

rates-savings table
Dividend RateAPY*Minimum Dividend Amount
Traditional IRA1.75%1.76%$5.00
Roth IRA1.75%1.76%$5.00

IRA Rates effective April 1, 2018 - June 30, 2018

Real Estate Loan Rates

rates-loan table
Term/DescriptionRateAPR*
Interest Only Home Equity LOC2.49% for 2 years and prime for life thereafter4.750% (Prime)
Variable Rate Home Equity LOC2.49% for 2 years and prime for life thereafter4.750% (Prime)
2nd Mortgage Fixed RateUp to 15 Years4.990%
Fixed Rate 1st MortgagesUp to 10 Years3.875%3.914%
15 Years4.00%4.027%
20 Years4.25%4.271%
30 Years4.50%4.516%
1 Year ARMRate adjusts annually for 30 years3.000%5.069%
5/1 ARMFixed Rate for first 5 years then rate adjusts annually for next 25 years3.375% first 5 years4.565%
7/1 ARMFixed Rate for first 7 years then rate adjusts annually for next 23 years3.750% first 7 years4.532%

Auto Loan Rates

rates-loan table
Term/DescriptionAPR*
New AutoUp to 3 year fixed2.00%
4 year fixed2.00%
5 year fixed2.00%
6 year fixed2.25%
7 year fixed3.00%
8 year fixed / 90% financing3.50%
Used AutoUp to 3 year fixed2.40%
4 year fixed2.40%
5 year fixed2.40%
6 year fixed2.90%

Motorcycle Loan Rates

rates-motorcycle table
Term/DescriptionAPR*
New MotorcycleUp to 2 year fixed3.50%
3 year fixed3.50%
4 year fixed3.50%
5 year fixed3.50%
6 year fixed3.75%
Used MotorcycleUp to 2 year fixed3.90%
3 year fixed3.90%
4 year fixed3.90%
5 year fixed3.90%

Boat/RV Loan Rates

rates-loan table
Term/DescriptionAPR*
New Boat/RV LoanUp to 3 year fixed4.00%
4 year fixed4.00%
5 year fixed4.00%
6 year fixed4.00%
7 year fixed4.50%
8 year fixed5.00%
9 year fixed5.50%
10 year fixed5.75%
Used Boat/RV LoanUp to 3 year fixed4.50%
4 year fixed4.50%
5 year fixed4.50%
6 year fixed4.50%
7 year fixed5.00%
8 year fixed5.50%
9 year fixed6.00%
10 year fixed6.25%

Personal Loan Rates

rates-loan table
Term/DescriptionAPR*
Personal LoanPrime + 3.50%8.25% variable

Vacation Loan Rates

rates-loan table
Term/DescriptionAPR*
Vacation Loan1 year fixed ($3,000 Maximum)5.00%
2 year fixed ($5,000 Maximum)6.50%

Share Secured Loan Rates

rates-loan table
Term/DescriptionAPR*
Share SecuredUp to 8 year variableLast regular declared dividend rate + 1.50%

Visa Credit Cards

rates-loan table
Term/DescriptionAPR*
Visa Platinum Classic25-day grace period/no annual fee11.95% fixed
Visa Platinum Premium25-day grace period/no annual fee9.95% fixed

 

*APR is Annual Percentage Rate; APY is Annual Percentage Yield. Rates subject to change. See Credit Union for details.

Real estate APR based on $165,000 conventional loan

ARM products indexed to 1 year constant maturity treasury

New auto financing up to $80,000 with 100% financing, up to $90,000 with 90% financing.

Used auto financing up to $50,000 with 90% financing, up to $60,000 with 80% financing.

New motorcycle financing up to $60,000 with 100% financing.

Used motorcycle financing up to $50,000 with 90% financing, up to $60,000 with 80% financing.

New boat financing cannot exceed $150,000 financing, up to $75,000 for a pre-owned boat.

Used boat financing cannot exceed 10 years old. Term is a maximum of 11 years combined age of boat and loan term.

New recreational vehicle financing cannot exceed $150,000 financing, up to $75,000 for a pre-owned recreational vehicle.

Used recreational vehicle financing cannot exceed 10 years old. Term is a maximum of 11 years combined age of recreational vehicle and loan term.

Interest Only Home Equity Line of Credit - first 10 years of the loan requires only a monthly interest payment on the outstanding balance. During the interest only payment period, member may make principal payments. After 10 year draw period, principal and interest payments are required for the 15 year repayment period. Introductory rate is for first time borrowers only. Interest Rate is the Prime Rate as published in the “Money Rates” section of the Wall Street Journal and may change monthly.

Variable Rate Home Equity Line of Credit - Introductory rate is for first time borrowers only. Interest Rate is the Prime Rate as published in the “Money Rates” section of the Wall Street Journal and may change monthly.

Share Secured Loan rate is 1.50% APR over last regular declared dividend rate on a regular savings account, as to exclude any bonus dividend rate. May borrow up to 90% of share balance. Interest rate will reset on the first day of each quarter if necessary.