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Rates & Fees
The par value of one share is $5.00
The rates and fees appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union. The Credit Union may offer other rates for these accounts from time to time. Savings Rates
|
Dividend Rate/
Annual Percentage Yield* |
Dividends Compounded |
Dividends Credited |
Dividend Period |
| Share Account |
|
|
|
|
| $5.00 – $4,000.00 |
0.45% /
0.45% |
Monthly |
Monthly |
Monthly (Calendar) |
| $4000.01 > |
0.45% /
0.45% |
Monthly |
Monthly |
Monthly (Calendar) |
| Christmas Club Account |
0.20% / 0.20% |
Monthly |
Monthly |
Monthly (Calendar) |
| Special Share Account |
|
|
|
|
| $5.00 – $4,000.00 |
0.45% /
0.45% |
Monthly |
Monthly |
Monthly (Calendar) |
| $4000.01 > |
0.45% /
0.45% |
Monthly |
Monthly |
Monthly (Calendar) |
| IRA Share Account |
2.00% / 2.02% |
Monthly |
Monthly |
Monthly (Calendar) |
Share Draft/
Checking Account |
0.20% |
Monthly |
Monthly |
Monthly (Calendar) |
| Account Type |
Balance Requirements |
|
Minimum Opening Deposit |
Minimum Balance to Avoid a service Fee |
Minimum Balance to Earn the Stated APY |
Balance Method |
| Share Account |
$5.00 |
— |
— |
Daily Balance |
| Christmas Club Account |
$5.00 |
— |
— |
Daily Balance |
| Special Share Account |
$5.00 |
— |
— |
Daily Balance |
| IRA Share Account |
$100.00 |
— |
— |
Daily Balance |
Share Draft/
Checking Account |
$50.00 |
— |
$50.00 |
Daily Balance |
| Share Account |
Account Transfer limitations apply |
| Christmas Club Account |
Account Transfer limitations apply |
| Special Share Account |
Account Transfer limitations apply |
| IRA Share Account |
Account Transfer limitations apply |
Share Draft/
Checking Account |
— |
Certificate Rates
| Term |
APR* |
APY* |
| 6 months |
1.10% |
1.11% |
| 12 month |
1.25% |
1.26% |
| 90-day Special |
1.30% |
1.31% |
Loan Rates**
| Type |
APR* |
| Share Secured (Variable)† |
3.50% |
| NSTC Stock Secured (Variable)† |
4.50% |
| NSTC Stock Secured (Fixed)†† |
4.75% |
| New Vehicles††† |
6.00% |
| Used Vehicles††† |
6.00% |
| RV – Boat |
8.00% |
| Other Secured |
9.50% |
| Signature |
11.75% |
| 90 Day Demand |
12.25% |
| Home Equity Line of Credit |
Call 800-717-0582
for current rate |
*APR = Annual Percentage Rate. APY = Annual Percentage Yield.
**Rates and terms are subject to change and variable periodic rates may vary. All loans are subject to our standard credit review process and procedures. New rates apply to new loans, not refinancing of existing NSTCU loans. Other restrictions may apply. See Truth-In-Lending Disclosure for complete information.
†Variable rate adjusted quarterly with a term of up to 120 months.
††Maximum 60 month loan.
†††Financing up to 72 months.
© CUNA Mutual Group, 1993, 2003 (TD24838.1) 9/24/03 D3100-FK1
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
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