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SAVINGS / CHECKING
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Savings - Tiered Dividends Declared 6/30/2010
Share Savings Rates are reviewed, declared, & paid quarterly.
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Dividend Rate |
Annual Percentage Yield*
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Maximum Term |
| $5.00 - $50,000.00 |
.60% |
.60% |
n/a |
| $50,000.01 - $100,000.00 |
.75% |
.75% |
n/a |
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$100,000.01 and above
|
.90% |
.90% |
n/a
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Checking Rates - Paid 6/30/2010
Share Draft Rates are reviewed periodically and are subject to change without notice. Dividends are paid monthly. |
Dividend Rate |
Annual Percentage Yield* |
Maximum Term |
| |
.50% |
.50% |
n/a |
TERM SHARE CERTIFICATES (Rates Effective 7/1/2010)
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Term Share Certificate
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Minimum Balance
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Dividend Rate
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Annual Percentage Yield*
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Minimum Balance
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Dividend Rate
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Annual Percentage Yield*
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6 Months
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$1,000.00
|
.75%
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.75%
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$99,000.00
|
.90%
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.90%
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12 Months
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$1,000.00
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.90%
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.90%
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$99,000.00
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1.14%
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1.15%
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18 Months
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$1,000.00
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1.14%
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1.15%
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$99,000.00
|
1.39%
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1.40%
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24 Months
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$1,000.00
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1.39%
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1.40%
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$99,000.00
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1.59%
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1.60%
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36 Months
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$1000.00
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1.74%
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1.75%
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$99,000.00
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2.08%
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2.10%
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*The Annual Percentage Yield (APY) is effective as of 7/1/2010 APY is earned if the funds are left to compound for ONE YEAR. All dividends are paid monthly. A 6 month penalty may be imposed for early withdrawal on term share certificates. Rates are reviewed periodically and are subject to change without notice.
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CONSUMER LOANS****
RATES EFFECTIVE: 6/7/2010 All Rates Are Subject To Change
| Vehicle Loans*** |
Model Years
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Rate - APR*
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Up to 60 Months
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2009 - 2010
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3.99% - 8.50% APR
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Up to 48 Months
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2005 - 2008
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4.99% - 9.50% APR
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Example: 48 monthly payments of $22.58 per $1,000.00 borrowed at 3.99%
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Recreational Vehicle Loans***
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Model Years
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Rate - APR*
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Land Vehicles (motorcycles, ATV's, etc) Up to 60 Months
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2009 - 2010
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5.49% - 10.00% APR
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Land Vehicles (motorcycles, ATV's, etc) Up to 48 Months
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2005 - 2008
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6.49% - 11.00% APR
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Water Vehicles (boats,wave runners, etc) Up to 60 Months
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2009 - 2010
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5.99% - 10.50% APR
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Water Vehicles (boats,wave runners, etc) Up to 48 Months
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2005 - 2008
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6.99% - 11.50% APR
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Example: 48 monthly payments of $23.26 per $1,000.00 borrowed at 5.49% APR
| Extended Warranty Financing |
Rate - APR*
|
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| Up to 18 Months Maximum Trem - Credit Score of 600 or Above (if financed w/car loan rate is the same as the vehicle loan rate) |
8.50% APR
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| Unsecured Signature Loan*** |
Rate - APR*
|
Best Rate - APR**
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| Up to 36 Months |
12.90% - 18.90% APR
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12.65% - 18.65% APR
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Example: 36 monthly payments of $33.65 per $1,000.00 borrowed at 12.90% APR
| Loan Rate Special*** |
Up to 36 Months
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APR* 8.99% - 10.99% APR
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Example: 36 monthly payments of $31.80 per $1,000.00 borrowed at 8.99% APR
| Checking Line of Credit |
Overdraft Protection
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APR* 15.90% APR
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Example: Minimum payment is $25.00 or 5% of the loan balance whichever is greater
| Shared Secured Loans*** |
The APR* is Fixed at 3.99% With Balloon Options Available |
Example: 36 monthly payments of $29.52 per 1,000.00 borrowed at 3.99% APR
* Annual Percentage Rate
**Best Rate Program is available to all members who maintain an active checking account with the NTS Credit Union and authorize automatic loan payments.
***Loan Protection Insurance is provided up to age 70 at no cost to the borrower(s). The life insurance pays off your loan balance in the event of your death
****Subject to NTSCU lending guidelines. Rates are based on credit scores. Some conditions apply. Closed end loans.
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