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)24.00%4.06%$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 Rate4.00%
APY14.06%
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 4.00% 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.

CertificatesDividend RateAPY1Minimum Account Balance
6 Month Certificate5.00%5.00%$25,000
12 Month Certificate4.75%4.75%$25,000
24 Month Certificate3.75%3.75%$25,000
Certificates
6 Month Certificate
Dividend Rate5.00%
APY15.00%
Minimum Account Balance$25,000
12 Month Certificate
Dividend Rate4.75%
APY14.75%
Minimum Account Balance$25,000
24 Month Certificate
Dividend Rate3.75%
APY13.75%
Minimum Account Balance$25,000

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

IRAsDividend RateAPY1Minimum Dividend Amount
Traditional IRA2.10%2.11%$5.00
Roth IRA2.10%2.11%$5.00
IRAs
Traditional IRA
Dividend Rate2.10%
APY12.11%
Minimum Dividend Amount$5.00
Roth IRA
Dividend Rate2.10%
APY12.11%
Minimum Dividend Amount$5.00

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

Real Estate RatesTerm/DescriptionRateAPR1
HELOC (Interest Only)First 2 Years6.250%
Prime for Life After 2 YearsPrime8.500%
HELOC (Variable Rate)First 2 Years6.250%
Prime for Life After 2 YearsPrime8.500%
Home Equity Loan1–5 Years6.500%
6–10 Years6.750%
11–15 Years7.250%
First MortgageUp to 10 Years6.250%6.277%
15 Years6.375%6.394%
20 Years6.500%6.515%
30 Years6.625%6.637%
5/1 ARMFixed for 5 Years6.375%7.460%
7/1 ARMFixed for 7 Years6.500%7.311%
Real Estate Rates
HELOC (Interest Only)
Term/DescriptionFirst 2 Years
Rate6.250%
Term/DescriptionPrime for Life After 2 Years
RatePrime
APR18.500%
HELOC (Variable Rate)
Term/DescriptionFirst 2 Years
Rate6.250%
Term/DescriptionPrime for Life After 2 Years
RatePrime
APR18.500%
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
Rate6.250%
APR16.277%
Term/Description15 Years
Rate6.375%
APR16.394%
Term/Description20 Years
Rate6.500%
APR16.515%
Term/Description30 Years
Rate6.625%
APR16.637%
5/1 ARM
Term/DescriptionFixed for 5 Years
Rate6.375%
APR17.460%
7/1 ARM
Term/DescriptionFixed for 7 Years
Rate6.500%
APR17.311%

1. Please contact us for CO-OP Rates.

Auto LoansTerm/DescriptionAPR1
Fixed-Rate New AutoUp to 5 years6.125%
6 years6.375%
7 years6.875%
8 years/ 90% financing7.375%
Fixed-Rate Used AutoUp to 5 years6.375%
6 years6.625%
Auto Loans
Fixed-Rate New Auto
Term/DescriptionUp to 5 years
APR16.125%
Term/Description6 years
APR16.375%
Term/Description7 years
APR16.875%
Term/Description8 years/ 90% financing
APR17.375%
Fixed-Rate Used Auto
Term/DescriptionUp to 5 years
APR16.375%
Term/Description6 years
APR16.625%

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

Motorcycle LoansTerm/DescriptionAPR1
Fixed-Rate New MotorcycleUp to 5 years7.375%
6 years7.625%
Fixed-Rate Used MotorcycleUp to 5 years7.625%
Motorcycle Loans
Fixed-Rate New Motorcycle
Term/DescriptionUp to 5 years
APR17.375%
Term/Description6 years
APR17.625%
Fixed-Rate Used Motorcycle
Term/DescriptionUp to 5 years
APR17.625%

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 years7.875%
7 years8.625%
8 years9.125%
9 years9.625%
10 years9.875%
Fixed-Rate Used Boat or RVUp to 6 years8.375%
7 years8.875%
8 years9.375%
9 years9.875%
10 years10.125%
Boat/RV Loans
Fixed-Rate New Boat or RV
Term/DescriptionUp to 6 years
APR17.875%
Term/Description7 years
APR18.625%
Term/Description8 years
APR19.125%
Term/Description9 years
APR19.625%
Term/Description10 years
APR19.875%
Fixed-Rate Used Boat or RV
Term/DescriptionUp to 6 years
APR18.375%
Term/Description7 years
APR18.875%
Term/Description8 years
APR19.375%
Term/Description9 years
APR19.875%
Term/Description10 years
APR110.125%

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

Personal LoansTerm/DescriptionAPR1
Personal LoanPrime + 3.50%12.00%
Personal Loans
Personal Loan
Term/DescriptionPrime + 3.50%
APR112.00%

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® Platinum Classic25-day grace period with a fixed rate and no annual fee11.95%
Elite Preferred Visa® Signature25-day grace period with a fixed rate and no annual fee9.95%
NCPD FCU Visa® Credit Cards
Visa® Platinum Classic
Term/Description25-day grace period with a fixed rate and no annual fee
APR111.95%
Elite Preferred Visa® Signature
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.

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Banking anywhere else would be a crime!

 

“Staff is outstanding!”

– Theresa J.

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