Rates effective as of March 3, 2023. 

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

APR = Annual Percentage Rate

APY = Annual Percentage Yield


Member accounts are insured to $1,000,000 (one-million dollars) - federally insured by NCUA to $250,000 and an additional $750,000 by ESI, a private insurance company.

Checking
Account Balance Dividends Minimum Opening Deposit
NGAGE Spending - Qualified* $0.01 - $25,000 3.00% APY $25
NGAGE Spending - Qualified*  $25,000 and up 3.00 - 1.00% APY $25
NGAGE Spending - 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. See NGAGE Spending Account Terms and Conditions for more information. 

** 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 - $25,000 1.50% APY $5
NGAGE Saving -
qualified* **
$25,000.01 and up 1.50% - 0.70% 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. See NGAGE Account Terms and Conditions to learn more. 

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

Share Certificates / IRA Certificates
Term Minimum Deposit Dividend Rate APY
*3 Months**Limited Time! $500 2.25% 2.25%
*6 Months***Limited Time! $500 2.50% 2.53%
*9 Months***Limited Time! $500 2.50% 2.53%
*12 Months***Limited Time! $500 4.35% 4.42%
24 Months*** $500 3.30% 3.34%
36 Months*** $500 1.65% 1.66%
48 Months*** $500 1.80% 1.81%
60 Months*** $500 2.25% 2.27%

IRA Withholding Notice (PDF)

* Limited Time 3, 6, 9, 12, 14, and 21-month Share Certificate of Deposit available. New Money Only - existing money in any Family Savings CD that has not matured during the special promotion is ineligible for the limited time rates. Special rate offer is subject to change without notice. 

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

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
10 Year 6.25% APR
15 Year 6.50% APR
20 Year 6.75% APR
0
Terms up to 20 years for
a limited time
Second Mortgage Fixed Real Estate Loans 7.75% APR 0 10 Years
Construction Loans 7.75% APR
(Based on Prime Rate
- Minimum of 5%)
0 12 Months
HELOC (85% Program)
8.25% APR
(Based on Prime Rate plus 0.50% )
0 Contact CU for terms

Loans
Loans Rate APR Term
New/ Newer Autos
(current year model to 2 years)
4.75% -15.50% APR
Rates subject to credit score, loan term, collateral age/Mileage
4.75% - 15.50% up to 84 months
Used Autos 4.75% -17.50% APR
Rates subject to credit score, loan term, collateral age/mileage
4.75% - 17.50% up to 84 months
Personal Loans 9.25% -16.00% APR
Rates subject to credit score.
9.25% - 16.00% See CU for terms
Watercraft
6.50%-17.50% APR
Rates subject to credit score,
loan term, collateral age/Mileage
6.50%-17.50% up to 60 months
Boat/ Motorhome/ Travel Trailer/ Camper 6.50% -17.50% APR
Rates subject to credit score,
loan term, collateral age/Mileage
6.50% - 17.50% up to 144 months
Motorcycles/ ATV/ Personal Watercraft/ Tractors 6.50% -17.50% APR
Rates subject to credit score, loan term, collateral age/mileage
6.50% - 17.50% up to 84 months
Credit Cards

11.75% -18.00% APR

Rates subject to credit score

11.75% - 18.00%

Credit Card Terms (PDF)