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Disclaimer:
Rates are subject to change without notice for both savings and loans. Contact the credit union for the latest rate information.

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates
Rates as of 7/11/2008.
Rate Description Term Payment Description APR APR Type
NEW VEHICLE (2008-2007) 0-48 months up to 100% of NADA Retail starting @ 5.00 Fixed
NEW VEHICLE (2008-2007) 49-60 months up to 100% of NADA Retail starting @ 5.50 Fixed
NEW VEHICLE (2008-2007) 61-72 months up to 100% of NADA Retail starting @ 6.00 Fixed
USED VEHICLE (2006-2003) 0-48 months up to 100% of NADA Retail starting @ 6.00 Fixed
USED VEHICLE (2006-2003) 49-60 months up to 100% of NADA Retail starting @ 6.40 Fixed
USED VEHICLE (2002 & older) 0-48 months up to 100% of NADA Retail starting @ 6.50 Fixed
SHARE SECURED 0-72 months 3% above current dividend rate minimum 3.00 Fixed
CD SHARE SECURED 0-72 months 3% above current dividend rate minimum 3.00 Fixed
OTHER SECURED 0-48 months 11.00% Fixed
SIGNATURE/PERSONAL (up to $3,500) 0-36 months starting @ 10.00 Fixed
DEBT CONSOLIDATION (up to $10,000) 0-48 months starting @ 10.00 Fixed
REMODELING/LANDSCAPING (up to $10,000) 0-48 months starting @ 10.00 Fixed
NEW TRAVEL TRAILER/RV/BOAT 0-60 months 100% of NADA Retail 7.00% Fixed
NEW TRAVEL TRAILER/RV/BOAT 61-84 months 100% of NADA Retail 8.00% Fixed
NEW TRAVEL TRAILER/RV/BOAT 85-120 months (20% down) 80% of NADA Retail 9.00% Fixed
USED TRAVEL TRAILER/RV/BOAT 0-60 months 100% of NADA Retail 8.25% Fixed
USED TRAVEL TRAILER/RV/BOAT 61-84 months (20% down) 80% of NADA Retail 9.00% Fixed
NEW MOBILE HOME (2008-2007) 0-72 months 100% of NADA Retail 11.50% Fixed
USED MOBILE HOME (2006-2005) 0-60 months 100% of NADA Retail 12.50% Fixed
USED MOBILE HOME (2004-2000) 0-48 months 100% of NADA Retail 13.50% Fixed
USED MOBILE HOME (1999 & older) 0-48 months 100% of NADA Retail 14.50% Fixed
1st MORTGAGE 15 or 30 years; contact us for details see credit union contact us for current rates Fixed
HOME EQUITY 5 to 15 years; contact us for details see credit union contact us for current rates Variable

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates
Rates as of 7/11/2008.
Rate Description Term Dividend Rates APY
C.D. 7 month/$500.00 - $2,499.99 1.75% 1.76%
C.D. 7 month/$2,500.00 and over 1.95% 1.96%
C.D. 14 month/$500.00 - $2,499.99 2.20% 2.22%
C.D. 14 month/$2,500.00 and over 2.30% 2.32%
C.D. 20 month/$500.00 - $2,499.99 2.30% 2.32%
C.D. 20 month/$2,500.00 and over 2.55% 2.57%
C.D. 26 month/$500.00 - $2,499.99 2.80% 2.83%
C.D. 26 month/$2,500.00 and over 2.83% 2.86%
C.D. 38 month/$500.00 - $2,499.99 2.85% 2.88%
C.D. 38 month/$2,500.00 and over 3.00% 3.03%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates
Rates as of 7/11/2008.
Rate Description Term Dividend Rates APY
REGULAR $100 - $10,000.00 0.75% 0.75%
REGULAR $10,000.01 - $50,000.00 1.00% 1.00%
REGULAR $50,000.01 and over 1.20% 1.21%
CLUB $100 and over 0.50% 0.50%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs
Rates as of 7/11/2008.
Rate Description Term Dividend Rates APY
TRADITIONAL n/a 2.50% 2.52%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft
Rates as of 7/11/2008.
Rate Description Term Dividend Rates APY
CHECKING $2,000.00 and above 0.25% 0.25%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.  
Disclaimer:
Rates are subject to change without notice for both savings and loans. Contact the credit union for the latest rate information.
 

For general information or other questions: nsfcu@earthlink.net

 

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