NCPD Federal Credit Union Rates
| Savings | Dividend Rate | APY1 | Minimum Account Balance |
|---|---|---|---|
| Share Savings | 1.60% | 1.61% | $5.00 |
| Youth Savings (on the first $1,000 on deposit)2 | 5.00% | 5.09% | $5.00 |
| Holiday Club | 1.60% | 1.61% | $5.00 |
| Savings | |
| Share Savings | |
| Dividend Rate | 1.60% |
| APY1 | 1.61% |
| Minimum Account Balance | $5.00 |
| Youth Savings (on the first $1,000 on deposit)2 | |
| Dividend Rate | 5.00% |
| APY1 | 5.09% |
| Minimum Account Balance | $5.00 |
| Holiday Club | |
| Dividend Rate | 1.60% |
| APY1 | 1.61% |
| Minimum Account Balance | $5.00 |
1. APY is Annual Percentage Yield. Rates subject to change. See Credit Union for details. 2. Youth Savings 5.00% 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.
| Certificates | Dividend Rate | APY1 | Minimum Account Balance |
|---|---|---|---|
| 6 Month Certificate | 4.65% | 4.65% | $25,000 |
| 12 Month Certificate | 4.00% | 4.00% | $25,000 |
| 24 Month Certificate | 3.75% | 3.75% | $25,000 |
| Certificates | |
| 6 Month Certificate | |
| Dividend Rate | 4.65% |
| APY1 | 4.65% |
| Minimum Account Balance | $25,000 |
| 12 Month Certificate | |
| Dividend Rate | 4.00% |
| APY1 | 4.00% |
| Minimum Account Balance | $25,000 |
| 24 Month Certificate | |
| Dividend Rate | 3.75% |
| APY1 | 3.75% |
| Minimum Account Balance | $25,000 |
1. APY is Annual Percentage Yield. Interest compounded quarterly. Rates subject to change. See Credit Union for details.
| IRAs | Dividend Rate | APY1 | Minimum Dividend Amount |
|---|---|---|---|
| Traditional IRA | 2.10% | 2.11% | $5.00 |
| Roth IRA | 2.10% | 2.11% | $5.00 |
| IRAs | |
| Traditional IRA | |
| Dividend Rate | 2.10% |
| APY1 | 2.11% |
| Minimum Dividend Amount | $5.00 |
| Roth IRA | |
| Dividend Rate | 2.10% |
| APY1 | 2.11% |
| Minimum Dividend Amount | $5.00 |
1. APY is Annual Percentage Yield. Rates subject to change. See Credit Union for details.
| Real Estate Rates | Term/Description | Rate | APR1 |
|---|---|---|---|
| HELOC (Interest Only) | First 2 Years | 6.250% | |
| Prime for Life After 2 Years | Prime | 7.750% | |
| HELOC (Variable Rate) | First 2 Years | 6.250% | |
| Prime for Life After 2 Years | Prime | 7.750% | |
| Home Equity Loan | 1–5 Years | 6.500% | |
| 6–10 Years | 6.750% | ||
| 11–15 Years | 7.250% | ||
| First Mortgage | Up to 10 Years | 6.000% | 6.027% |
| 15 Years | 6.125% | 6.144% | |
| 20 Years | 6.250% | 6.265% | |
| 30 Years | 6.375% | 6.387% | |
| 5/1 ARM | Fixed for 5 Years | 6.375% | 7.460% |
| 7/1 ARM | Fixed for 7 Years | 6.500% | 7.311% |
| Real Estate Rates | |
| HELOC (Interest Only) | |
| Term/Description | First 2 Years |
| Rate | 6.250% |
| Term/Description | Prime for Life After 2 Years |
| Rate | Prime |
| APR1 | 7.750% |
| HELOC (Variable Rate) | |
| Term/Description | First 2 Years |
| Rate | 6.250% |
| Term/Description | Prime for Life After 2 Years |
| Rate | Prime |
| APR1 | 7.750% |
| Home Equity Loan | |
| Term/Description | 1–5 Years |
| APR1 | 6.500% |
| Term/Description | 6–10 Years |
| APR1 | 6.750% |
| Term/Description | 11–15 Years |
| APR1 | 7.250% |
| First Mortgage | |
| Term/Description | Up to 10 Years |
| Rate | 6.000% |
| APR1 | 6.027% |
| Term/Description | 15 Years |
| Rate | 6.125% |
| APR1 | 6.144% |
| Term/Description | 20 Years |
| Rate | 6.250% |
| APR1 | 6.265% |
| Term/Description | 30 Years |
| Rate | 6.375% |
| APR1 | 6.387% |
| 5/1 ARM | |
| Term/Description | Fixed for 5 Years |
| Rate | 6.375% |
| APR1 | 7.460% |
| 7/1 ARM | |
| Term/Description | Fixed for 7 Years |
| Rate | 6.500% |
| APR1 | 7.311% |
1. Please contact us for CO-OP Rates.
| Auto Loans | Term/Description | APR1 |
|---|---|---|
| Fixed-Rate New Auto | Up to 5 years | 5.750% |
| 6 years | 6.000% | |
| 7 years | 6.250% | |
| 8 years/ 90% financing | 6.500% | |
| Fixed-Rate Used Auto | Up to 5 years | 5.990% |
| 6 years | 6.250% |
| Auto Loans | |
| Fixed-Rate New Auto | |
| Term/Description | Up to 5 years |
| APR1 | 5.750% |
| Term/Description | 6 years |
| APR1 | 6.000% |
| Term/Description | 7 years |
| APR1 | 6.250% |
| Term/Description | 8 years/ 90% financing |
| APR1 | 6.500% |
| Fixed-Rate Used Auto | |
| Term/Description | Up to 5 years |
| APR1 | 5.990% |
| Term/Description | 6 years |
| APR1 | 6.250% |
1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.
| Motorcycle Loans | Term/Description | APR1 |
|---|---|---|
| Fixed-Rate New Motorcycle | Up to 5 years | 6.875% |
| 6 years | 7.125% | |
| Fixed-Rate Used Motorcycle | Up to 5 years | 7.125% |
| Motorcycle Loans | |
| Fixed-Rate New Motorcycle | |
| Term/Description | Up to 5 years |
| APR1 | 6.875% |
| Term/Description | 6 years |
| APR1 | 7.125% |
| Fixed-Rate Used Motorcycle | |
| Term/Description | Up to 5 years |
| APR1 | 7.125% |
1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.
| Boat/RV Loans | Term/Description | APR1 |
|---|---|---|
| Fixed-Rate New Boat or RV | Up to 6 years | 7.375% |
| 7 years | 8.125% | |
| 8 years | 8.625% | |
| 9 years | 9.125% | |
| 10 years | 9.375% | |
| Fixed-Rate Used Boat or RV | Up to 6 years | 7.875% |
| 7 years | 8.375% | |
| 8 years | 8.875% | |
| 9 years | 9.375% | |
| 10 years | 9.625% |
| Boat/RV Loans | |
| Fixed-Rate New Boat or RV | |
| Term/Description | Up to 6 years |
| APR1 | 7.375% |
| Term/Description | 7 years |
| APR1 | 8.125% |
| Term/Description | 8 years |
| APR1 | 8.625% |
| Term/Description | 9 years |
| APR1 | 9.125% |
| Term/Description | 10 years |
| APR1 | 9.375% |
| Fixed-Rate Used Boat or RV | |
| Term/Description | Up to 6 years |
| APR1 | 7.875% |
| Term/Description | 7 years |
| APR1 | 8.375% |
| Term/Description | 8 years |
| APR1 | 8.875% |
| Term/Description | 9 years |
| APR1 | 9.375% |
| Term/Description | 10 years |
| APR1 | 9.625% |
1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.
| Personal Loans | Term/Description | APR1 |
|---|---|---|
| Personal Loan | Prime + 3.50% | 11.25% |
| Personal Loans | |
| Personal Loan | |
| Term/Description | Prime + 3.50% |
| APR1 | 11.25% |
1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.
| Share Secured Loans | Term/Description | APR1 |
|---|---|---|
| Share Secured Loan2 | Share Savings Rate + 1.50% |
| Share Secured Loans | |
| Share Secured Loan2 | |
| Term/Description | Share 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 Cards | Term/Description | APR1 |
|---|---|---|
| Visa® Platinum Classic | 25-day grace period with a fixed rate and no annual fee | 11.95% |
| Elite Preferred Visa® Signature | 25-day grace period with a fixed rate and no annual fee | 9.95% |
| NCPD FCU Visa® Credit Cards | |
| Visa® Platinum Classic | |
| Term/Description | 25-day grace period with a fixed rate and no annual fee |
| APR1 | 11.95% |
| Elite Preferred Visa® Signature | |
| Term/Description | 25-day grace period with a fixed rate and no annual fee |
| APR1 | 9.95% |
1. APR is Annual Percentage Rate. Rates subject to change. See Credit Union for details.
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