View Share & IRA Certificate Rates »

Loan Rates

Effective as of 4/9/2020
All rates subject to change at any time.

APR = Annual Percentage Rate
** = As Low As

 

Auto Loans

    Terms APR**
Model Year 2015-present 0-60   Months
61-66 Months
67-75 Months
76-84 Months
2.49%
2.74%
2.99%
4.74% 
Model Year 2011-2014 0-60   Months
61-66 Months
67-75 Months
76-84 Months
3.49%
3.74%
3.99%
5.74%
Model Year

2009-2010


0-60   Months
61-66 Months
67-75 Months
76-84 Months
4.49%
4.74%
4.99%
6.74%
       
       

**Risk Based: The Annual Percentage Rate (APR) you receive is based on your credit worthiness, your Member Relationships with NAEFCU, the age of vehicle, and whether or not it is an existing NAEFCU loan. Please ask a loan officer for the rate that you qualify.

Loans

    Terms APR**
Recreational Vehicles
(Campers & Boats)

Motorcycles
  Please Call for Current Rates


Please Call for Current Rates
 
Shared Secured   0-60 Months 3% Above Current Rate
Certificate Secured   12-60   Months 3% Above Current Rate
Signature Loans   0-24   Months
25-60 Months
7.79%
9.99%
Visa Platinum
Credit Card
    8.99%

 

Saving & Deposit Rates

Effective as of 6/1/2020
All rates subject to change at any time.

APR = Annual Percentage Rate
APY = Annual Percentage Yield
* = As High As  (Requires active checking account)

 

Savings Products

  Minimum Balance To Open Account Minimum Balance To Earn Dividends APR* APY* Dividends Post
Share Savings $5.00 $1,000-$10,000
$10,001+ 
.05%
.10% 
.05%
.10% 
Quarterly
Vacation Club $0.00 $100-$4,000
$4,001-$6,000
$6,001+ 
.05%
.10%
.15% 
.05%
.10%
.15% 
Monthly
Christmas Club $0.00 $100-$4,000
$4,001-$6,000
$6,001+ 
.05%
.10%
.15% 
.05%
.10%
.15% 
Monthly
Money Market $0.00 $1,000-$20,000
$20,001-$100,000
$100,001+
.10%
.15%
.25% 
.10%
.15%
.25% 
Monthly
Youth Savings
(Looney Toons) 
$0.00 $1,000-$20,000
$20,001-$100,000
$100,001+ 
.10%
.15%
.25% 
.10%
.15%
.25% 
Monthly
IRA Shares $0.00 $100-$20,000
$20,001-$100,000
$100,001+
.10%
.15%
.20%
.10%
.15%
.20%
Monthly

 

Share & IRA Certificates

Effective 6/1/2020
Rates can Change at Any time.

  Other Terms
Available
Minimum Balance To
Earn Dividends
Standard
Relationship
APR*


APY*
Dividends
Post
Preferred
Relationship
APR*


APY*
6 Month 7, 8, 9, 10 & 11 Mo. $1,000-$25,000
$25,001-$100,000
$100,001+
.15%
.25%
.35%
.15%
.25%
.35%
Monthly
0.40%
0.50%
0.60%
0.40%
0.50%
0.60%
12 Month 13, 15 & 16 Mo. $1,000-$25,000
$25,001-$100,000
$100,001+
.20%
.30%
.40%
.20%
.30%
.40%
Monthly
0.45%
0.55%
0.65%
0.45%
0.55%
0.65%
18 Months 19, 20, 21 & 22 Mo. $1,000-$25,000
$25,001-$100,000
$100,001+
.20%
.35%
.40%
.20%
.35%
.40%
Monthly
0.45%
0.60%
0.65%
0.45%
0.60%
0.65%
24 Months 30 & 35 Mo. $1,000-$25,000
$25,001-$100,000
$100,001+
.25%
.40%
.45%
.25%
.40%
.45%
Monthly
0.50%
0.65%
0.70%
0.50%
0.65%
0.70%
36 Months   $1,000-$25,000
$25,001-$100,000
$100,001+
.30%
.45%
.50%
.30%
.45%
.50%
Monthly
0.55%
0.70%
0.75%
0.55%
0.70%
0.75%
48 Months   $1,000-$25,000
$25,001-$100,000
$100,001+
.35%
.50%
.55%
.35%
.50%
.55%
Monthly
0.60%
0.75%
0.80%
0.60%
0.75%
0.80%
60 Months   $1,000-$25,000
$25,001-$100,000
$100,001+
.40%
.55%
.60%
.40%
.55%
.60%
Monthly
0.65%
0.80%
0.85%
0.65%
0.80%
0.85%

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