|
SAVINGS / CHECKING
|
Savings - Tiered Dividends Declared 12/31/2011
Share Savings Rates are reviewed, declared, & paid quarterly.
Rates may change after the account is opened. Minimum balances listed are required to earn the corresponding APY Listed.
|
Dividend Rate |
Annual Percentage Yield*
|
Maximum Term |
| $5.00 - $50,000.00 |
.25% |
.25% |
n/a |
| $50,000.01 - $100,000.00 |
.30% |
.30%
|
n/a |
|
$100,000.01 and above
|
.35% |
.35% |
n/a
|
|
Checking Rates - Paid 1/1/2012 - 1/31/2012
Share Draft Rates are reviewed periodically and are subject to change without notice. Dividends are paid monthly. |
Dividend Rate |
Annual Percentage Yield* |
Maximum Term |
| |
.20% |
.20% |
n/a |
TERM SHARE CERTIFICATES (Rates Effective 1/1/2012)
Please Note: NTS Credit Union does not offer term share certificates to other financial institutions
|
|
Term Share Certificate
|
Minimum Opening Balance
|
Dividend Rate
|
Annual Percentage Yield*
|
Minimum Opening Balance
|
Dividend Rate
|
Annual Percentage Yield*
|
|
6 Months
|
$1,000.00
|
N/A
|
|
$99,000.00
|
N/A
|
|
|
12 Months
|
$1,000.00
|
.35%
|
.35%
|
$99,000.00
|
.45%
|
.45%
|
|
18 Months
|
$1,000.00
|
.45%
|
.45%
|
$99,000.00
|
.55%
|
.55%
|
|
24 Months
|
$1,000.00
|
.55%
|
.55%
|
$99,000.00
|
.65%
|
.65%
|
|
36 Months
|
$1000.00
|
.65%
|
.65%
|
$99,000.00
|
.75%
|
.75%
|
*The Annual Percentage Yield (APY) is effective as of 10/1/2012 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. Minimum balance listed is required to earn the corresponding APY listed.
|
|
CONSUMER LOANS****
RATES EFFECTIVE: 1/1/2012 All Rates Are Subject To Change
| Vehicle Loans*** |
Model Years
|
Rate - APR*
|
|
Up to 72 Months*
|
2011 - 2012
|
1.99% - 8.50% APR
|
|
Up to 60 Months**
|
2007 - 2010
|
2.99% - 9.50% APR
|
| Up to 36 Months*** |
2002 - 2006 |
6.99% - 6.99% APR |
* 72 month financing applies to loans > $30,000
** 60 month financing applies to loans > $20,000
Please note: Vehicle loans currently financed at NTS Credit Union are not eligible to refinance
for the lower rate at NTS Credit Union
Example: 36 monthly payments of $28.64 per $1,000.00 borrowed at 1.99%
| Extended Warranty Financing |
Rate - APR*
|
|
| Up to 18 Months Maximum Term - Credit Score of 600 or Above (if financed w/car loan rate is the same as the vehicle loan rate) |
8.50% APR
|
|
| Unsecured Signature Loan*** |
Rate - APR*
|
Best Rate - APR**
|
| Up to 36 Months |
12.90% - 18.90% APR
|
12.65% - 18.65% APR
|
Example: 36 monthly payments of $33.65 per $1,000.00 borrowed at 12.90% APR
| Loan Rate Special*** |
Up to 36 Months
|
APR* 8.99% - 10.99% APR
|
Example: 36 monthly payments of $31.80 per $1,000.00 borrowed at 8.99% APR
| Checking Line of Credit |
Overdraft Protection
|
APR* 15.90% APR
|
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.
|
Recreational Vehicle Loans***
|
Model Years
|
Rate - APR*
|
|
Land Vehicles (motorcycles, ATV's, etc) Up to 60 Months
|
2011 - 2012
|
3.49% - 10.00% APR
|
|
Land Vehicles (motorcycles, ATV's, etc) Up to 48 Months
|
2007 - 2010
|
5.49% - 11.00% APR
|
|
Water Vehicles (boats,wave runners, etc) Up to 60 Months
|
2011 - 2012
|
3.99% - 10.50% APR
|
|
Water Vehicles (boats,wave runners, etc) Up to 48 Months
|
2007 - 2010
|
5.99% - 11.50% APR
|
Example: 48 monthly payments of $22.36 per $1,000.00 borrowed at 3.49% APR
|
|
