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SAVINGS / CHECKING
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Savings - Tiered Dividends Effective 07/01/08 - 09/30/08
Share Savings Rates are reviewed, declared, & paid quarterly.
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Dividend Rate |
Annual Percentage Yield*
|
Maximum Term |
| $5.00 - $25,000.00 |
2.00% |
2.01% |
n/a |
| $25,000.01 - $75,000.00 |
2.25% |
2.27% |
n/a |
|
$75,000.01 and above
|
2.50% |
2.52% |
n/a
|
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Checking Rates - Effective 09/01/08 - 09/30/08
Share Draft Rates are reviewed periodically and are subject to change without notice. Dividends are paid monthly. |
Dividend Rate |
Annual Percentage Yield* |
Maximum Term |
| |
1.50% |
1.51% |
n/a |
TERM SHARE CERTIFICATES (Rates Effective 7/7/2008)
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|
|
Term Share Certificate
|
Minimum Balance
|
Dividend Rate
|
Annual Percentage Yield*
|
Minimum Balance
|
Dividend Rate
|
Annual Percentage Yield*
|
|
6 Months
|
$1,000.00
|
3.59%
|
3.65%
|
$99,000.00
|
3.68%
|
3.75%
|
|
12 Months
|
$1,000.00
|
3.83%
|
3.90%
|
$99,000.00
|
3.88%
|
3.95%
|
|
18 Months
|
$1,000.00
|
3.97%
|
4.05%
|
$99,000.00
|
4.02%
|
4.10%
|
|
24 Months
|
$1,000.00
|
4.02%
|
4.10%
|
$99,000.00
|
4.07%
|
4.15%
|
|
36 Months
|
N/A
|
N/A
|
N/A
|
$99,000.00
|
N/A
|
N/A
|
*The Annual Percentage Yield (APY) is effective as of 7/7/08APY 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: 02/19/08
All Rates Are Subject To Change
| Vehicle Loans*** |
Model Years
|
Rate - APR*
|
Best Rate** - APR*
|
|
|
2008 - 2009
|
5.25% - 8.50%.
|
5.00% - 8.25%
|
|
|
2004 - 2007
|
5.75% - 9.50%
|
5.50% - 9.25%
|
Example: 48 monthly payments of $23.15 per $1,000.00 borrowed at 5.25%
| Unsecured Signature Loan*** |
Rate - APR*
|
Best Rate - APR**
|
| Up to 36 Months |
9.90% - 17.90%
|
9.65% - 17.65%
|
Example: 36 monthly payments of $32.23 per $1,000.00 borrowed at 9.90%
| Loan Rate Special*** |
Up to 36 Months
|
APR* 7.00% - 8.50%
|
Example: 36 monthly payments of $30.89 per $1,000.00 borrowed at 7.00%
| Checking Line of Credit |
Overdraft Protection
|
APR* 12.90%
|
Example: Minimum payment is $25.00 or 5% of the loan balance whichever is greater
| Shared Secured Loans*** |
The APR* is Equal to 2% Above the Last Dividend Rate Paid |
Assuming a dividend rate of 2.50% plus 2%
Example: 36 monthly payments of $29.75 per 1,000.00 borrowed at 4.50%
* 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.
***Life 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.
|
New Car Loan Special - 3 years/4.50%
Limited time offer
Some restrictions apply
Best rate discount does not apply to this offer
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