Rates effective as of August 10, 2020. 

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 / IRA Certificates
Term Minimum Opening Deposit Dividend Rate APY
180 Days** $500 0.300% 0.300%
12 Months***
$500 0.800% 0.800%
24 Months*** $500 1.000% 1.000%
36 Months*** $500 1.100% 1.100%
48 Months*** $500 1.150% 1.150%
60 Months*** $500 1.200% 1.210%

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
 
 
20-Year offered for Limited Time.............
5 Year 3.45% APR
10 Year 3.55% APR
15 Year 3.65% APR
20 Year 3.75% APR

0
Terms up to 20 years for
a limited time
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)
3.25% 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

7.25% -18.00% APR

Rates subject to credit score

7.25% - 18.00%

Credit Card Terms (PDF)


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