Rates
Rates effective as of April 22nd, 2025.
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.
| Term | Minimum Deposit | Dividend Rate | APY | |
|---|---|---|---|---|
| 180 Days* | $500 | 3.70% |
3.75%
|
|
| 12 Months* | $500 | 3.60% | 3.65% | |
| 18 Months* | $500 | 3.60% | 3.65% | |
| 24 Months* | $500 | 3.16% | 3.20% | |
| 36 Months* | $500 | 2.72% | 2.75% | |
| 48 Months* | $500 | 2.72% | 2.75% | |
| 60 Months* | $500 | 2.72% | 2.75% |
* Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.
| 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% |
| IRA Withholding Notice (PDF) |
* Dividends compounded quarterly. Rates may change after the account is opened. Fees may reduce earnings.
| 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.
| 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. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
| Type of Mortgage | Rate APR | Points | Term |
|---|---|---|---|
|
First Mortgage Fixed Real Estate Loans
|
10 Year 6.40% APR
15 Year 6.65% APR 20 Year 6.95% APR
|
0 |
Terms up to 20 years
|
| Second Mortgage Fixed Real Estate Loans | 7.90% APR | 0 | 10 Years |
| Construction Loans | 7.50% APR (Based on Prime Rate - Minimum of 5%) |
0 | 12 Months |
| Manufactured Home |
10 Year 6.40% APR
15 Year 6.65% APR
|
0 | Terms up to 15 years |
| HELOC (85% Program) |
8.00% APR- variable rate
(Based on Prime Rate plus 0.50% )
|
0 | Contact CU for terms |
| HELOC (100% Program) |
9.50% APR- variable rate
(Based on Prime Rate plus 2.00% )
|
0 | Contact CU for terms |
| Loans | Rate | Term |
|---|---|---|
| New/ Newer Autos (current year model to 2 years) |
5.25% -15.50% APR Rates subject to credit score, loan term, collateral age/mileage |
up to 84 months |
| Used Autos | 6.75% -16.50% APR Rates subject to credit score, loan term, collateral age/mileage |
up to 84 months |
| Personal Loans | 9.25% -17.50% APR Rates subject to credit score and term |
See CU for terms |
| Tractor |
8.50%-15.75% APR
Rates subject to credit score,
loan term, collateral age |
up to 60 months |
| Motorcycle/ATV/Recreational Vehicle/Watercraft/Motorhome/Travel Trailer/Camper | 7.50% -17.50% APR Rates subject to credit score, loan term, collateral age/mileage |
up to 144 months |
| Credit Cards | 11.50% -18.00% APR-variable rate Rates subject to credit score |
Signature Rewards Program Terms & Conditions |