|
SAVINGS / CHECKING
|
Savings - Tiered Dividends Declared 6/30/2010
Share Savings Rates are reviewed, declared, & paid quarterly.
|
Dividend Rate |
Annual Percentage Yield*
|
Maximum Term |
| $5.00 - $50,000.00 |
.60% |
.60% |
n/a |
| $50,000.01 - $100,000.00 |
.75% |
.75% |
n/a |
|
$100,000.01 and above
|
.90% |
.90% |
n/a
|
|
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)
|
|
Term Share Certificate
|
Minimum Balance
|
Dividend Rate
|
Annual Percentage Yield*
|
Minimum Balance
|
Dividend Rate
|
Annual Percentage Yield*
|
|
6 Months
|
$1,000.00
|
.75%
|
.75%
|
$99,000.00
|
.90%
|
.90%
|
|
12 Months
|
$1,000.00
|
.90%
|
.90%
|
$99,000.00
|
1.14%
|
1.15%
|
|
18 Months
|
$1,000.00
|
1.14%
|
1.15%
|
$99,000.00
|
1.39%
|
1.40%
|
|
24 Months
|
$1,000.00
|
1.39%
|
1.40%
|
$99,000.00
|
1.59%
|
1.60%
|
|
36 Months
|
$1000.00
|
1.74%
|
1.75%
|
$99,000.00
|
2.08%
|
2.10%
|
*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.
|
|
CONSUMER LOANS****
RATES EFFECTIVE: 6/7/2010 All Rates Are Subject To Change
| Vehicle Loans*** |
Model Years
|
Rate - APR*
|
|
Up to 60 Months
|
2009 - 2010
|
3.99% - 8.50% APR
|
|
Up to 48 Months
|
2005 - 2008
|
4.99% - 9.50% APR
|
Example: 48 monthly payments of $22.58 per $1,000.00 borrowed at 3.99%
|
Recreational Vehicle Loans***
|
Model Years
|
Rate - APR*
|
|
Land Vehicles (motorcycles, ATV's, etc) Up to 60 Months
|
2009 - 2010
|
5.49% - 10.00% APR
|
|
Land Vehicles (motorcycles, ATV's, etc) Up to 48 Months
|
2005 - 2008
|
6.49% - 11.00% APR
|
|
Water Vehicles (boats,wave runners, etc) Up to 60 Months
|
2009 - 2010
|
5.99% - 10.50% APR
|
|
Water Vehicles (boats,wave runners, etc) Up to 48 Months
|
2005 - 2008
|
6.99% - 11.50% APR
|
Example: 48 monthly payments of $23.26 per $1,000.00 borrowed at 5.49% APR
| Extended Warranty Financing |
Rate - APR*
|
|
| 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
|
|
| 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.
|
|
