Rates effective as of September 30 , 2019.

Rates may change after accounts are opened. Fees may reduce earnings.

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Checking
Account Balance Dividends Minimum Opening Deposit
NGAGE Checking - Qualified* $0.01 - $15,000 2.510% APY $25
NGAGE Checking - Qualified*  $15,000 and up 2.50 - 0.76% APY $25
NGAGE Checking - Non-qualified* $0.01 and up 0.05% APY $25
Share Draft/Checking Accounts $10,000.01 and up 0.10% APY $25

* All members are required to have eDocuments to open and/or maintain any NGAGE account with Family Savings.

** No minimum balance requirements. To qualify, members must have one (1) ACH electronic payment or electronic deposit, twelve (12) debit card transactions per month and keep a valid email address on file for eDocuments. Dividends are compounded and credited monthly to the account. No penalty for non-qualified accounts.

Savings
Account Balance Dividends Minimum Opening Deposit
NGAGE Saving -
qualified* **
$0.01 - $15,000 1.25% APY $5
NGAGE Saving -
qualified* **
$15,000.01 and up 1.25% - 0.60% APY $5
NGAGE Saving -
non-qualifed* **
$0.01 and up 0.05% APY $5
Regular Share Savings $2,000.01 - $10,000 0.20% APY $5
Regular Share Savings $10,000.01 and up 0.30% APY $5
Christmas Club Accounts $1 0.20% APY $1 in-branch

* All members are required to have eDocuments to open and/or maintain any NGAGE account with Family Savings.

** Members who have an NGAGE Checking account automatically have an NGAGE Saving account. There are no penalties for non-qualifying NGAGE Checking accounts. QUALIFYING: Members must qualify in the NGAGE Checking account to qualify for the higher dividend rates in the NGAGE Saving Account.. Dividends are compounded and credited monthly. 

Share Certificates
Term Minimum Opening Deposit Dividend Rate APY
180 Days** $500 1.24% 1.25%
12 Months***
$500 1.89% 1.90%
21 Months***1 $500 2.00% 2.02%
24 Months*** $500 2.03% 2.05%
36 Months*** $500 2.38% 2.40%
48 Months*** $500 2.77% 2.80%
60 Months*** $500 2.87% 2.90%

IRA Withholding Notice (PDF)

** Dividends compounded at maturity
*** Dividends compounded quarterly. Penalty for early withdrawal.

1 Limited Time 21-month certificate offer.

IRA Share Accounts
Balance Tier Minimum Opening Deposit Dividend Rate APY
$0.01 - $2,000*** $100 0.15% 0.15%
$2,000.01 - $10,000*** $100 0.35% 0.35%
$10,000.01 and above*** $100 0.45% 0.45%

*** Dividends compounded quarterly. Rates may change after the account is opened. Fees may reduce earnings.

Mortgages
Type of Mortgage Rate APR Points Term
First Mortgage Fixed Real Estate Loans 5 Year 4.40% APR
10 Year 4.45% APR
15 Year 4.50% APR

0
Terms up to 15 years
Second Mortgage Fixed Real Estate Loans 6.75% APR 0 5 Year Fixed
Construction Loans 5.00% APR
(Based on Prime Rate
- Minimum of 5%)
0 Contact CU for terms
HELOC (85% Program)
5.00% APR
(Based on Prime Rate)
0 Contact CU for terms

Loans
Loans Rate APR Term
New/ Newer Autos
(current year model to 2 years)
2.75% -17.50% APR
Rates subject to credit score, loan term, collateral age/Mileage
2.75% - 17.50% up to 84 months
Used Autos 3.25% -17.50% APR
Rates subject to credit score, loan term, collateral age/mileage
3.25% - 17.50% up to 84 months
Personal Loans 8.00% -16.00% APR
Rates subject to credit score.
8.00% - 16.00% See CU for terms
Watercraft
3.75%-17.50% APR
Rates subject to credit score,
loan term, collateral age/Mileage
3.75%-17.50% up to 60 months
Boat/ Motorhome/ Travel Trailer/ Camper 3.75% -17.50% APR
Rates subject to credit score,
loan term, collateral age/Mileage
3.75% - 17.50% up to 144 months
Motorcycles/ ATV/ Personal Watercraft/ Tractors 3.75% -17.50% APR
Rates subject to credit score, loan term, collateral age/mileage
3.75% - 17.50% up to 84 months
Credit Cards

9.00% -18.00% APR

Rates subject to credit score

9.00% - 18.00%

Credit Card Terms (PDF)


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