NCPD Federal Credit Union Rates

SavingsDividend RateAPY1Minimum Account Balance
Share Savings1.60%1.61%$5.00
Youth Savings (on the first $1,000 on deposit)25.00%5.09%$5.00
Holiday Club1.60%1.61%$5.00
Savings
Share Savings
Dividend Rate1.60%
APY11.61%
Minimum Account Balance$5.00
Youth Savings (on the first $1,000 on deposit)2
Dividend Rate5.00%
APY15.09%
Minimum Account Balance$5.00
Holiday Club
Dividend Rate1.60%
APY11.61%
Minimum Account Balance$5.00

1. APY is Annual Percentage Yield. Rates subject to change. See Credit Union for details. 2. Youth Savings 5.09% APY is on the first $1,000 on deposit; amounts over $1,000 will receive current savings dividend rate. Special rate limited to one Youth Savings Account per minor. All Youth Savings Accounts convert to a regular Share Savings Account at age 18. NCPD FCU will deposit the first $25.

CertificatesDividend RateAPY1Minimum Account Balance
6 Month Certificate4.33%4.40%$2,500
12 Month Certificate3.70%3.75%$2,500
24 Month Certificate3.45%3.50%$2,500
Certificates
6 Month Certificate
Dividend Rate4.33%
APY14.40%
Minimum Account Balance$2,500
12 Month Certificate
Dividend Rate3.70%
APY13.75%
Minimum Account Balance$2,500
24 Month Certificate
Dividend Rate3.45%
APY13.50%
Minimum Account Balance$2,500

1. APY is Annual Percentage Yield. Interest compounded quarterly. Rates subject to change. See Credit Union for details.

IRAsDividend RateAPY1Minimum Dividend Amount
Traditional IRA2.10%2.12%$5.00
Roth IRA2.10%2.12%$5.00
IRAs
Traditional IRA
Dividend Rate2.10%
APY12.12%
Minimum Dividend Amount$5.00
Roth IRA
Dividend Rate2.10%
APY12.12%
Minimum Dividend Amount$5.00

1. APY is Annual Percentage Yield. Rates subject to change. See Credit Union for details.

Real Estate RatesTerm/DescriptionRate2APR1
HELOC (Interest Only)*First 2 Years5.750%
Prime for Life After 2 YearsPrime7.250%
HELOC (Variable Rate)First 2 Years5.750%
Prime for Life After 2 YearsPrime7.250%
Home Equity Loan1–5 Years6.500%
6–10 Years6.750%
11–15 Years7.250%
First Mortgage**Up to 10 Years5.500%5.527%
15 Years5.625%5.644%
20 Years5.750%5.765%
30 Years5.875%5.886%
5/1 ARMFixed for 5 Years6.500%6.943%
7/1 ARMFixed for 7 Years6.625%6.922%
Real Estate Rates
HELOC (Interest Only)*
Term/DescriptionFirst 2 Years
Rate25.750%
Term/DescriptionPrime for Life After 2 Years
Rate2Prime
APR17.250%
HELOC (Variable Rate)
Term/DescriptionFirst 2 Years
Rate25.750%
Term/DescriptionPrime for Life After 2 Years
Rate2Prime
APR17.250%
Home Equity Loan
Term/Description1–5 Years
APR16.500%
Term/Description6–10 Years
APR16.750%
Term/Description11–15 Years
APR17.250%
First Mortgage**
Term/DescriptionUp to 10 Years
Rate25.500%
APR15.527%
Term/Description15 Years
Rate25.625%
APR15.644%
Term/Description20 Years
Rate25.750%
APR15.765%
Term/Description30 Years
Rate25.875%
APR15.886%
5/1 ARM
Term/DescriptionFixed for 5 Years
Rate26.500%
APR16.943%
7/1 ARM
Term/DescriptionFixed for 7 Years
Rate26.625%
APR16.922%

1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.2. Please contact us for CO-OP Rates.*Real estate APR based on $165,000 conventional loan. 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, members may make principal payments. After the 10-year draw period, principal and interest payments are required for the 15-year repayment period. Introductory rate is for first-time borrowers only. Variable Rate Home Equity Line of Credit: Interest Rate is the Prime Rate as published in the “Money Rates” section of The Wall Street Journal and may change monthly. NMLS #412042**Property must be located in Nassau, Suffolk, Queens, Manhattan, Bronx, Brooklyn, Staten Island, or Westchester County and be your primary residence. 

Auto LoansTerm/DescriptionAPR1
Fixed-Rate New AutoUp to 5 years5.250%
6 years5.500%
7 years5.750%
8 years/ 90% financing6.000%
Fixed-Rate Used AutoUp to 5 years5.490%
6 years5.750%
Auto Loans
Fixed-Rate New Auto
Term/DescriptionUp to 5 years
APR15.250%
Term/Description6 years
APR15.500%
Term/Description7 years
APR15.750%
Term/Description8 years/ 90% financing
APR16.000%
Fixed-Rate Used Auto
Term/DescriptionUp to 5 years
APR15.490%
Term/Description6 years
APR15.750%

1. APR is Annual Percentage Rate. Rates subject to change. New car refinance must be less than six months old and a maximum of 6,000 miles. Used car financing also available for cars up to eight model years old. See Credit Union for details.

Motorcycle LoansTerm/DescriptionAPR1
Fixed-Rate New MotorcycleUp to 5 years6.375%
6 years6.625%
Fixed-Rate Used MotorcycleUp to 5 years6.625%
Motorcycle Loans
Fixed-Rate New Motorcycle
Term/DescriptionUp to 5 years
APR16.375%
Term/Description6 years
APR16.625%
Fixed-Rate Used Motorcycle
Term/DescriptionUp to 5 years
APR16.625%

1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.

Boat/RV LoansTerm/DescriptionAPR1
Fixed-Rate New Boat or RVUp to 6 years6.875%
7 years7.625%
8 years8.125%
9 years8.625%
10 years8.875%
Fixed-Rate Used Boat or RVUp to 6 years7.375%
7 years7.875%
8 years8.375%
9 years8.875%
10 years9.125%
Boat/RV Loans
Fixed-Rate New Boat or RV
Term/DescriptionUp to 6 years
APR16.875%
Term/Description7 years
APR17.625%
Term/Description8 years
APR18.125%
Term/Description9 years
APR18.625%
Term/Description10 years
APR18.875%
Fixed-Rate Used Boat or RV
Term/DescriptionUp to 6 years
APR17.375%
Term/Description7 years
APR17.875%
Term/Description8 years
APR18.375%
Term/Description9 years
APR18.875%
Term/Description10 years
APR19.125%

1. APR is Annual Percentage Rate. Rates subject to change. 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. See Credit Union for details.

Personal LoansTerm/DescriptionAPR1
Personal LoanPrime + 3.50%10.75%
Personal Loans
Personal Loan
Term/DescriptionPrime + 3.50%
APR110.75%

1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.

Share Secured LoansTerm/DescriptionAPR1
Share Secured Loan2Share Savings Rate + 1.50%
Share Secured Loans
Share Secured Loan2
Term/DescriptionShare Savings Rate + 1.50%

1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details. 2. Share secured loans have a rate of 1.50% APR over the last regular declared dividend rate on a regular Share Savings Account, excluding any bonus dividend rate. The interest rate will reset on the first day of each quarter if necessary.

NCPD FCU Visa® Credit CardsTerm/DescriptionAPR1
Visa® Classic25-day grace period with a fixed rate and no annual fee11.95%
Visa® Signature25-day grace period with a fixed rate and no annual fee9.95%
Visa® Elite
Invitation only; eligibility based on annual spend		25-day grace period with a fixed rate and no annual fee9.95%
NCPD FCU Visa® Credit Cards
Visa® Classic
Term/Description25-day grace period with a fixed rate and no annual fee
APR111.95%
Visa® Signature
Term/Description25-day grace period with a fixed rate and no annual fee
APR19.95%
Visa® Elite
Invitation only; eligibility based on annual spend
Term/Description25-day grace period with a fixed rate and no annual fee
APR19.95%

1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.

Explore NCPD FCU Products

Learn more about the competitive financial products offered by NCPD Federal Credit Union:

Banking anywhere else would be a crime!

 

“Always pleasant and helpful. My ongoing experience with NCPD FCU can only be described as excellent!”

– Margaret K.

“The staff is very helpful, polite, and sweet.”

– Marie A.

“Sandy provided excellent service in helping me with my auto loan.”

– Michelle B.

“The tellers and member service team are always helpful, friendly, and knowledgeable.”

– Tom L.

“They are always courteous and helpful. Banking here is a pleasure.”

– Robert D.

“The ladies are always friendly and go above and beyond.”

– Joseph C.

“Always helpful when I have questions regarding my accounts.”

– Barbara G.

“The staff is always helpful with any questions I have.”

– Kris S.

“Any issues I have are solved swiftly and effectively.”

– Deborah C.

“Everyone at the Mineola branch goes above and beyond to help. They are excellent!”

– William R.

Share Your Thoughts

Banking anywhere else would be a crime!

 

“Always pleasant and helpful. My ongoing experience with NCPD FCU can only be described as excellent!”

– Margaret K.

“The staff is very helpful, polite, and sweet.”

– Marie A.

“Sandy provided excellent service in helping me with my auto loan.”

– Michelle B.

“The tellers and member service team are always helpful, friendly, and knowledgeable.”

– Tom L.

“They are always courteous and helpful. Banking here is a pleasure.”

– Robert D.

“The ladies are always friendly and go above and beyond.”

– Joseph C.

“Always helpful when I have questions regarding my accounts.”

– Barbara G.

“The staff is always helpful with any questions I have.”

– Kris S.

“Any issues I have are solved swiftly and effectively.”

– Deborah C.

“Everyone at the Mineola branch goes above and beyond to help. They are excellent!”

– William R.

Share Your Thoughts

Community

NCPD Federal Credit Union is passionate about stepping up and giving back to the communities we serve. We proudly donate to the police community and partner with local charities.

At NCPD FCU, we remain committed to the values and selflessness that drive our members. We know that just one act of kindness can have far-reaching effects, and we strive to uplift our community at every opportunity.

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Calculate Your Future

Use our convenient calculators to inform your financial strategy. Estimate how much you’ll have saved in the future, how much you should contribute to savings, and more.

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Become a Member

Become a member of NCPD FCU and enjoy competitive rates, low fees, quality service, and valuable products designed with you in mind. Discover more about NCPD FCU membership, from eligibility to benefits.

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