Current Rates as of April 16, 2008.
Click on the Rate you wish to view:
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| CREDIT CARDS |
| Rates subject to change without Notice. | |
| New
Auto Rates Model Year 2007, 2008 & 2009* |
|
| *New vehicles are defined as not previously registered and/or under 7,000 miles. | |
| 36 Months | As low as | 5.65% |
| 48 Months | As low as | 5.90% |
| 60 Months | As low as | 6.15% |
| 72 Months | As low as | 6.65% |
| 84 Months | As low as | 7.65% |
| Used
Auto Rates Model Year 2004 - 2007* |
|
| *Used vehicles are defined as pre-owned AND less than 70,000 miles. |
| 36 Months | As low as | 6.15% |
| 48 Months | As low as | 6.40% |
| 60 Months | As low as | 6.65% |
| 72 Months | As low as | 7.15% |
| Other
Used Auto Model Year 2001 - 2003* |
|
| *Other used vehicles are defined as pre-owned, more than 7 model years older than current year model, OR mileage exceeding 70,000. |
| 36 Months | As low as | 7.15% |
| 48 Months | As low as | 7.40% |
| 60 Months | As low as | 7.65% |
| New & Used RV/ Boat/ Watercraft / Motorcycle /Trailer /Misc. Pricing | |
| 36 Months | As low as | 6.25% |
| 48 Months | As low as | 6.49% |
| 60 Months | As low as | 6.75% |
| 72 Months | As low as | 7.25% |
| 84 Months | As low as | 8.25% |
| Please note that members may earn additional rate discounts: | |||
| 1) Electing Direct Deposit and/or Auto Pay .25% | |||
| 2) Electing Payment Protection with Credit Disability Insurance .25% | |||
| 3) Each down payment of 10% discounts .10% up to .50% | |||
| Rates are for qualified borrowers dependent upon credit score. | |||
| Other restrictions may apply. See a loan officer for details. |
| Real Estate Rates |
| - | 85% | Amortization | |
| 1st Mortgage | --- | ||
|
3 Year Balloon |
4.75% - APR | 30 Years | |
|
5
Year Balloon
|
5.25% - APR | 30 Years | |
|
7 Year Balloon
|
5.75% - APR | 30 Years | |
|
10
Year Balloon
|
5.75% - APR | 30 Years | |
| 20 Year Balloon- | 5.99% - APR | 30 Years | |
| 2nd Mortgage | --- | ||
|
3 Year Balloon |
7.99% - APR | 15 Years | |
| - | -- | - | |
| Home Equity Line Of Credit | --- | ||
| Variable Rate / With 5 Year Draw Period | 6.95% - APR | 15 Yr from last draw | |
| Real Estate Loans are not subject to discounts. 85% is LTV. | |||
| Signature Loans |
| > 12 Months | As low as | 8.95% | Minimum loan $500 |
| 24 Months | As low as | 8.95% | Minimum loan $2,000 |
| 36 Months | As low as | 9.50% | Minimum loan $5,000 |
| 48 Months | As low as | 10.25% | Minimum loan $7,500 |
| 60 Months | As low as | 10.50% | Minimum loan $10,000 |
| Share and CD Secured - no credit report required |
|
Regular
Share Secured
|
CD
Secured
|
| 3% above current share savings rate, 90% LTV | 2% above current pledged certificate rate, 90% LTV |
|
* Rates are for qualified borrowers, dependent upon credit score. Other restrictions may apply. See a loan officer for details. |
| Share Certificates* |
| Members are given a variety of investment choices with our certificates from 6 to 36 months. |
| Rates subject to change without Notice. |
| 6 Months | 3.00 - APR* | 3.02 - APY* | $500 (minimum investment) |
| 12 Months | 3.50 - APR | 3.55 - APY | $500 (minimum investment) |
| 24 Months | 3.50 - APR | 3.55 - APY | $500 (minimum investment) |
| 36 Months | 3.50 - APR | 3.55 - APY | $500 (minimum investment) |
|
Share
savings account on balances $100 and over: 1.00%, APY 1.02% 36 month certificate, one withdrawal, up to 50% of initial deposit without penalty. |
| IRA |
| A variety of Individual Retirement Account options are available in an IRA Share, 12 or 24 month deductible and non-deductible IRAs. Save for retirement with traditional IRAs or for a first home with a tax-free distribution from a ROTH IRA. |
| IRA Share (Variable Rate) | 3.50 - APR | 3.56 - APY | $25 (minimum investment) |
| 12 Months | 5.00 - APR | 5.12 - APY | $500 (minimum investment) |
| 24 Months | 5.50 - APR | 5.61 - APY | $500 (minimum investment) |
| Money Market |
| Market
rates and access by check. Minimum initial deposit of $2,500. Minimum
balance to earn dividends is $2,500. Calculated on daily balance and posted
at the end of each month. Statements sent monthly. Last declared dividend rate: As of the last dividend declaration date, the dividend rates are (rates are subject to change without notice): |
|
$2500 - $24,999
|
1.20
- APR*
|
1.21
- APY*
|
|
$25,000 AND UP
|
1.75
- APR
|
1.76
- APY
|
*APR
stands for Annual Percentage Rate and APY stands for Annual Percentage Yield.
| Christmas Club |
|
Enjoy the holiday spirit year-round with NEAFCU’s
new Christmas Club account. • Build holiday fund systematically. • Setup automatic transfers, make in-person deposits, or use transaction line or online banking. • One-time, penalty-free withdrawal. • Additional withdrawals - $5.00 fee • Early closure fee applies. *Deposit up to $500 a month, up to $6,000 in a year. 2007-2008 Christmas Club begins Nov. 1, 2007. You may start a Christmas Club any time during the year. How to Make a Web Page Display Data from a Database Rates subject to change.
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| Credit Cards |
|
NEAFCU's Visa Credit Card is a Card For All Seasons No matter the time of year or your needs, NEAFCU's Visa Credit Card can offer you the convenience and buying power you deserve. There are three levels of cards to fit your needs: Classic
- 12.92% APR* These great rates and no annual fee. Also, your Visa: Works at millions of locations that accept Visa Credit Cards To report a lost or stolen Visa, contact 1-800-325-3678. *Annual Percentage Rate. Rate and limit levels based on credit score. See a loan officer for complete details. |
10/06/2006