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Effective the week of MAY 5, 2008 - MAY 11, 2008
Share Rates
Share Accounts
|
| Term |
Minimum |
Compounding |
Dividend Rate |
APY* |
W/D Allowed |
| Daily |
$5.00 |
Quarterly |
0.75 |
0.75 |
Yes |
* Annual Percentage Yield
Dividends are compounded quarterly, from date of deposit to date of withdrawal. Dividends are paid quarterly and computed on a full share of $5.00. Account must remain open through the end of the quarter to receive the quarterly dividend. |
Club Accounts
|
| Term |
Minimum |
Compounding |
Dividend Rate |
APY* |
W/Ds Allowed |
| Daily |
$0.00 |
Quarterly |
0.75 |
0.75 |
Yes |
* Annual Percentage Yield
Dividends are compounded quarterly, from date of deposit to date of withdrawal. Dividends are paid quarterly and computed on a full share of $5.00. Account must remain open through the end of the quarter to receive the quarterly dividend. |
Checking Account
|
| Term |
Minimum |
Compounding |
Dividend Rate * |
APY |
W/Ds Allowed |
| N/A |
$0.00 |
N/A |
0.00 |
0.00 |
Yes |
No monthly service fee - No per-check charges - No minimum balance
* Account does not earn dividends. |
Liquid Share Certificate Account
|
| Term |
Minimum |
Compounding |
Dividend Rate |
APY* |
W/Ds Allowed |
| 30-60 |
1,000.00 |
Monthly |
2.60 |
2.63 |
Yes** |
| 90 - 179 |
2,500.00 |
Monthly |
2.65 |
2.68 |
Yes** |
| 180 - 269 |
5,000.00 |
Monthly |
2.70 |
2.73 |
Yes** |
| 270 - 365 |
7,500.00 |
Monthly |
2.75 |
2.78 |
Yes** |
| * Annual Percentage Yield |
| ** 1 withdrawal per month allowed down to minimum. |
Liquid Jumbo Certificate
|
| Term |
Minimum |
Compounding |
Dividend Rate |
APY* |
W/Ds Allowed |
| 90 - 180 |
50,000.00 |
Monthly |
2.90 |
2.94 |
Yes** |
| * Annual Percentage Yield |
| ** Additions or withdrawals ( down to minimum ) may be made at any time during the month. |
High Yield Certificate
|
| Term |
Minimum |
Compounding |
Dividend Rate |
APY* |
W/Ds Allowed |
| 9 Months |
10,000.00 |
Monthly |
3.00 |
3.04 |
No** |
* Annual Percentage Yield
** No additions or withdrawals allowed
Early withdrawal penalty will be 30 days loss of dividends. |
High Yield Jumbo Certificates
|
| Term |
Minimum |
Compounding |
Dividend Rate |
APY* |
W/Ds Allowed |
| 6 Months |
50,000.00 |
Monthly |
3.10 |
3.14 |
No** |
| 12 Months |
50,000.00 |
Monthly |
3.20 |
3.25 |
No** |
* Annual Percentage Yield
** No additions or withdrawals allowed.
Early withdrawal penalty will be 30 days loss of dividends. |
IRA / Roth IRA / Education Share Certificate Account
|
| Term |
Minimum |
Compounding |
Dividend Rate |
APY* |
W/Ds Allowed |
| 12 Months |
$1.00 |
Monthly |
3.50 |
3.56 |
Yes*** |
| 36 Months |
$1.00 |
Monthly |
3.75 |
3.82 |
Yes*** |
* Annual Percentage Yield
Notes for All Certificate Accounts: Dividends are calculated monthly and at maturity and can be compounded or transferred. Early withdrawal penalty will be up to 30 days loss of dividends (or 90 days on 36 month term). Additions to regular share certificates may be made at maturity only. |
| For
other loan types, contact the Credit Union. All interest rates
subject to change. All loans subject to Loan Officer/Credit
Committee approval. |
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Loan Rates
Share Secured
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
| 100% of Available Balance |
Adjustable |
144 Months |
| Minimum monthly payment of $20.00. APR is 1% Above Share Rate |
Certificate Secured
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
| 100% of Available Balance |
2% Above Cert. Rate |
12 Months |
| Loans must mature by the Certificate maturity date. |
New Vehicle
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| $1,000 to $100,000 |
5.25 |
36 Months |
| $1,000 to $100,000 |
5.50 |
60 Months |
| $15,000 to $100,000 |
5.99 |
72 Months |
| $ 30,000 to $100,000 |
6.25 |
84 Months |
| Any car purchased new within six months of the purchase date, will qualify for the New Auto Rate. Loans may include tax, license and service contract or CU Mechanical Breakdown Insurance Policy (MBI). |
| * Your rate may vary based on credit score. |
Used Vehicle
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| $1,000 to $75,000 |
6.00 |
36 Months |
| $1,000 to $75,000 |
6.25 |
60 Months |
| $15,000 to $75,000 |
6.74 |
72 Months |
| Loans may include tax and license if purchase price is less than 100% of base retail Blue Book. In addition, you may include a service contract or CU Mechanical Breakdown Insurance Policy (MBI). |
| * Your rate may vary based on your credit score. |
New Recreational Vehicle
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| $1,000 to $100,000 |
5.25 |
36 Months |
| $1,000 to $100,000 |
5.50 |
60 Months |
| $15,000 to $100,000 |
5.99 |
72 Months |
| $30,000 to $100,000 |
6.25 |
84 Months |
| Any car purchased new within six months of the purchase date, will qualify for the New Auto Rate. Loans may include tax, license and service contract or CU Mechanical Breakdown Insurance Policy (MBI). |
| * Your rate may vary based on your credit score. |
Used Recreational Vehicle
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| $1,000 to $75,000 |
6.00 |
36 Months |
| $1,000 to $75,000 |
6.25 |
60 Months |
| $15,000 to $75,000 |
6.74 |
72 Months |
| Maximum amount of loan not to exceed 100% of wholesale value. |
| * Your rate may vary based on your credit score |
New Motorcycle
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| $500 to $25,000 |
5.25 to 5.99 |
36 to 72 Months |
| Up to 90% financing. |
| * Your rate may vary based on your credit score. |
Used Motorcycle
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| $500 to $20,000 |
6.25 to 6.74 |
36 to 72 Months |
| Maximum amount of loan not ot exceed 100% of wholesale value. |
| * Your rate may vary based on credit score. |
Signature
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| Up to $15,000 |
10.9 |
Up to 48 Months |
| Loan amounts of less than $5,000, maximum term 36 months. |
| * Your rate may vary based on credit score. |
Line of Credit
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| Up to $15,000 |
9.9 |
Up to 48 Months |
| Pre-approved line-of-credit loans will speed up your loan request. As part of our annual review a credit report will be run to validate your credit standing. |
| * Your rate may vary based on credit score. |
VISA Card
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| Up to $25,000 |
9.9 |
Revolving |
| Fixed rate - no annual fee 25-day grace period for purchases. Minimum monthly payment of 3%. A Visa limit increase request may result in a higher rate on new activity and exsisting balances. |
| * Your rate may vary based on credit score |
Secured VISA
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| Up to $5,000 |
12.9 |
Revolving |
| Fixed rate - no annual fee 25-day grace period for purchases. Minimum monthly payment of 3% |
| * Your rate may vary based on credit score. |
Computer
|
| Loan Amounts |
Annual Percentage Rate |
Maximum Term |
|
As Low As * |
|
| Up to $5,000 |
9.90 |
Up to 36 Months |
| Collateral considered: computer, related hardware & software. |
| * Your rate may vary based on credit score. |
Real Estate Loans |
1st Trust Deed
|
| Maximum Loan |
Annual Percentage Rate |
Maximum Term |
| NBCUEFCU has a 1st Trust Deed mortgage loan program with competitive rates. |
| Members can apply to refinance their existing 1st mortgage up to the conforming loan amount of $417,000.00. |
Home-Equity LOC
|
| Maximum Loan |
Annual Percentage Rate |
Up To |
| $150,000 |
*Prime |
240 Months |
| Owner occupied. Loan $ = appraised $x80% less encumbrances. Open-end rate may change 1st day of January and July. |
| *As of April 30 th , 2008 - Prime Rate = 5.00% |
Home-Equity
|
| Loan Amounts |
Annual Percentage Rate |
Up To |
| $5,000 - 75,000 |
6.5 |
120 Months |
|
| Owner |
Closed-End
|
| Maximum Loan |
Annual Percentage Rate |
Up To |
| $25,000 - 150,000 |
7.0 |
240 Months |
| Owner occupied. Loan $ = appraised $x85% less encumbrances. |
| For
more information, please refer to your Truth-in-Savings
Disclosure. |
Effective as of August 1, 2007
(Fees are subject to change without prior notice)
Schedule of Fees
Print A Copy
| Schedule of Fees and Charges |
| General Fees and Charges |
| Membership Fee |
$1.00 |
| Stop Payment |
$10.00 |
| Levy Processing |
$25.00 |
| Research (per hour, 1 hour min.) |
$25.00 |
| Statement Copy |
$1.00 |
| Dormant Account Locator Fee |
$2.00 |
| Inactivity (per month, after 24 mos. no activity) |
$5.00 |
| Returned Mail |
$1.00 |
| Plastic Card Replacement (Express) |
$20.00 |
Check Withdrawal to 3rd Party (each)
(1 free per month) |
$1.00 |
| Notary Fee |
$10.00 |
| FedEx – weekday delivery |
$5.00 |
| FedEx – weekend delivery |
$8.00 |
| Checking Accounts |
| Checking Account Monthly Service Fee |
FREE |
| NSF Item |
$22.00 |
OverdraftTransfer from Regular Share
(Checking, ATM and ACH) |
$3.00 |
Photocopy of Cleared Item
(If obtained online) |
$1.00
FREE |
| Returned Deposit Item |
$15.00 |
| ACH |
| ACH Return Item |
$20.00 |
| ACH Stop Payment |
$10.00 |
| Wire Transfes |
| Outgoing Wire – Domestic |
$15.00 |
| ATM |
| ATM Overdrawn Fee |
$15.00 |
| ATM/VISA Check Card Replacement |
$5.00 |
| Foreign Card at our ATM |
$2.00 |
| Travelers/Gift Cards |
| Regular |
FREE |
| Gold (per check) |
$1.25 |
| 2 Signature (per hundred) |
$0.50 |
| Gift Cards |
$3.95 |
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