Rates effective as of December 5, 2022. 

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
180 Days** $500 1.00% 1.00%
12 Months*** $500 1.75% 1.76%
*14 Months*** Limited Time! $500 2.00% 2.02%
*21 Months*** Limited Time! $500 3.30% 3.34%
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 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 this 21-month rate. 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


20-Year offered for Limited Time.............
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 7.00% APR
(Based on Prime Rate
- Minimum of 5%)
0 12 Months
HELOC (85% Program)
7.50% 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)
3.50% -16.00% APR
Rates subject to credit score, loan term, collateral age/Mileage
3.50% - 16.00% up to 84 months
Used Autos 3.50% -17.50% APR
Rates subject to credit score, loan term, collateral age/mileage
3.50% - 17.50% up to 84 months
Personal Loans 8.50% -17.00% APR
Rates subject to credit score.
8.50% - 17.00% See CU for terms
Watercraft
5.25%-17.50% APR
Rates subject to credit score,
loan term, collateral age/Mileage
5.25%-17.50% up to 60 months
Boat/ Motorhome/ Travel Trailer/ Camper 5.25% -17.50% APR
Rates subject to credit score,
loan term, collateral age/Mileage
5.25% - 17.50% up to 144 months
Motorcycles/ ATV/ Personal Watercraft/ Tractors 5.25% -17.50% APR
Rates subject to credit score, loan term, collateral age/mileage
5.25% - 17.50% up to 84 months
Credit Cards

11.00% -18.00% APR

Rates subject to credit score

11.00% - 18.00%

Credit Card Terms (PDF)