Become A Member
Learn More About The Benefits
Learn More About The Benefits
757-410-2000 or 866-562-3328
Protecting Your Finances Today & Tomorrow.
Featured Rates
| Auto Loans | 2.99% APR** |
| Mortgage Loans | Please Call for Rates |
| Credit Cards | 8.99% APR** |
| Signature Loans | 7.79% APR** |
| Certificates | Please Call for Rates |
APR = Annual Percentage Rate
APY = Annual Percentage Yield
* As high as | ** As low as
APY = Annual Percentage Yield
* As high as | ** As low as
View Share & IRA Certificate Rates »
Loan Rates
Effective as of 11/20/2020
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 |
2.99% 2.99% 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+ |
.07% .12% .15% |
.07% .12% .15% |
Monthly |
| Youth Savings (Looney Toons) |
$0.00 | $1,000-$20,000 $20,001-$100,000 $100,001+ |
.07% .12% .15% |
.07% .12% .15% |
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 10/1/2020
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+ |
.10% .20% .30% |
.10% .20% .30% |
Monthly |
0.30%
0.40% 0.50% |
0.30% 0.40% 0.50% |
| 12 Month | 13, 15 & 16 Mo. | $1,000-$25,000 $25,001-$100,000 $100,001+ |
.15% .20% .30% |
.15% .20% .30% |
Monthly |
0.35%
0.45% 0.55% |
0.35% 0.45% 0.55% |
| 18 Months | 19, 20, 21 & 22 Mo. | $1,000-$25,000 $25,001-$100,000 $100,001+ |
.15% .20% .30% |
.15% .20% .30% |
Monthly |
0.35%
0.50% 0.55% |
0.35% 0.50% 0.55% |
| 24 Months | 30 & 35 Mo. | $1,000-$25,000 $25,001-$100,000 $100,001+ |
.20% .30% .35% |
.20% .30% .35% |
Monthly |
0.40%
0.55% 0.60% |
0.40% 0.55% 0.60% |
| 36 Months | $1,000-$25,000 $25,001-$100,000 $100,001+ |
.20% .30% .40% |
.20% .30% .40% |
Monthly |
0.45%
0.60% 0.65% |
0.45% 0.60% 0.65% |
|
| 48 Months | $1,000-$25,000 $25,001-$100,000 $100,001+ |
.25% .35% .40% |
.25% .35% .40% |
Monthly |
0.50%
0.65% 0.70% |
0.50% 0.65% 0.70% |
|
| 60 Months | $1,000-$25,000 $25,001-$100,000 $100,001+ |
.30% .40% .50% |
.30% .40% .50% |
Monthly |
0.55%
0.70% 0.75% |
0.55% 0.70% 0.75% |
