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Featured Rates
Check out our competitive rates for savings and loans—designed to help you make the most of your money.
See Rates by Product Below for Full Details
Effective Date:
Certificate Accounts
rates as high as
4.08% APY**
Christmas Club
Savings
rates as high as
5.00% APY**
10 Year
Home Equity
as low as
6.99% APR*
Auto
Loan
as low as
5.49% APR*
Rates by Product
Explore our rates for each product, from loans to savings, and find the option that works best for you.
Effective Date:
Auto Loan Rates
| Model Year | APR* | Maximum Term |
Payments per
$1,000 borrowed
|
|---|---|---|---|
| 2017-2024 | 5.49% | 60 months | $19.11 |
| 2017-2024 | 5.99% | 72 months | $16.58 |
| 2017-2024 | 6.49% | 84 months | $14.85 |
| 2014-2016 | 7.49% | 48 months | $24.19 |
*APR = Annual Percentage Rate. Rates for auto loans are based on creditworthiness and may vary based on credit scoring. All vehicle loans will include an additional Vehicle Service Insurance (VSI) charge. Additional fees may apply, and all rates are subject to change without notice. Property Insurance is required on all vehicle loans. Applicants must qualify for membership with NESC Credit Union.
Personal Loan Rates
|
Product
|
APR* | Term |
Payment per
$1,000 borrowed
|
|---|---|---|---|
| Saving Secured | 4.99% | 60 months | $18.88 |
| Savings Secured | 5.99% | 84 months | $14.61 |
| Personal Unsecured | 9.99% | 60 months | $21.25 |
| Credit Builder Loan | 10.99% | 24 months | $46.62 |
Credit Card Rates
|
Classic Visa
|
Visa Platinum |
Secured Visa
Credit Builder
|
|
|---|---|---|---|
|
Minimum Line
|
$1,000 | $5,000 | $500 |
| Maximum Line | $5,000 | $15,000 | $2,500 |
| Fixed APR* | 12.50% | 9.90% | 12.50% |
| Cash Advance APR | 12.50% | 9.90% | 12.50% |
| Balance Transfer APR | 12.50% | 9.90% | 12.50% |
| Annual Fee | $15.00 | $0.00 | $15.00 |
| Rewards Program | Available | Available |
Available
|
| Visa limit is secured by funds in your membership |
*APR = Annual Percentage Rate
How we calculate your balance:
Apply the periodic rate to the average daily balance. To get the average daily balance we take the beginning balance each day, add any new transactions and subtract any unpaid interest or finance charges. We add up the daily balances for the billing cycle and divide each by the number of days in the billing cycle.
Apply the periodic rate to the average daily balance. To get the average daily balance we take the beginning balance each day, add any new transactions and subtract any unpaid interest or finance charges. We add up the daily balances for the billing cycle and divide each by the number of days in the billing cycle.
Interest and Finance Charge:
We will begin charging interest on purchases, cash advances and balance transfers on the date the transaction is posted to your account. However, we will not charge you any interest on new purchases if your account had a zero or credit balance at the beginning of the billing cycle.
We will begin charging interest on purchases, cash advances and balance transfers on the date the transaction is posted to your account. However, we will not charge you any interest on new purchases if your account had a zero or credit balance at the beginning of the billing cycle.
Recreational Vehicle Rates - includes Campers and Motorcycles
| Months | APR* | Payments per $1,000 borrowed |
|---|---|---|
| 60 months | 6.49% | $19.57 |
| 72 months | 6.99% | $17.05 |
| 84 months | 7.49% |
$15.34
|
*APR = Annual Percentage Rate. Rates for auto loans are based on creditworthiness and may vary based on credit scoring. All vehicle loans will include an additional Vehicle Service Insurance (VSI) charge. Additional fees may apply, and all rates are subject to change without notice. Property Insurance is required on all vehicle loans. Applicants must qualify for membership with NESC Credit Union.
Home Equity Rates
| Home Equity Loan* | APR** | Term |
Payment per
$1,000 borrowed***
|
|---|---|---|---|
| Home Equity Loan |
6.99% |
60
|
$19.81 |
| Home Equity Loan | 6.99% |
120
|
$11.61 |
| Home Equity Loan | 7.49% |
180
|
$9.27 |
*Up to 80% Total Loan-to-Value. Minimum Home Equity amount is $25,000. Owner occupied 1-2 family properties only. Call for rates and information on 3-4 family properties.
**APR = Annual Percentage Rate. Rates are based on creditworthiness and may vary based on credit scoring. Rates are subject to change without notice. Property Insurance is required on all real estate secured loans. Applicants must qualify for membership with NESC Credit Union.
***Payment Per $1,000 does not include amounts for taxes and insurance premiums, if applicable, and the actual obligation will be greater than the payment shown.
| Home Equity Line of Credit* | APR** | Term |
|---|---|---|
|
Rate Index and Margin
Prime rate minus .25%
Current prime rate is 7.75%
|
7.50% | 20 Years |
*Home Equity Line of Credit - Index based on Wall Street Journal Prime rate. Floor Rate = 0.00%; Maximum rate is 18%. Owner occupied 1-4 family properties only.
**APR = Annual Percentage Rate. Rate is variable. Rates are based on creditworthiness and may vary based on credit scoring. Rates are subject to change without notice. Property Insurance is required on all real estate secured loans. Applicants must qualify for membership with NESC Credit Union.
Mortgage Loan Rates
| Mortgage Type | Interest Rate | APR%*** | Term |
Payment per
$1,000
borrowed ****
|
|---|---|---|---|---|
| Fixed Rate* | 6.00% | 6.008% | 15 years | $8.44 |
| Fixed Rate* | 6.25% | 6.256% | 20 years | $7.31 |
| Fixed Rate* | 6.50% | 6.505% | 30 years | $6.33 |
|
5/5 ARM**
No lender closing costs
|
6.00% | 6.109% | 15 years | $8.44 |
|
5/5 ARM**
No lender closing costs
|
6.00% | 6.133% | 20 years | $7.17 |
|
5/5 ARM**
No lender closing costs
|
6.00% | 6.158% | 30 years | $5.99 |
*Maximum loan amount $600,000. APR based on a loan amount of $200,000. Owner Occupied Properties only. 10% down payment required on all purchase mortgages.
**Adjustable-Rate Mortgage. Rate may increase after consummation. Floor Rate = 2.25%; Caps 2/5. No Lender Closing Cost programs on balances $100,000 or greater and are not available in refinances of NESC balances. Maximum loan amount $600,000. APR based on a loan amount of $400,000. Based on a $400,000 loan the payment schedule will be 60 payments of $2398.20 at an interest rate of 6.00%, 300 payments of $2874 at an interest rate of 8.00%. Rates for owner occupied 1–2-unit properties. Call for rates on 3–4-unit owner occupied properties
***APR = Annual Percentage Rate. Rates are based on creditworthiness and may vary based on credit scoring. Rates are subject to change without notice. Property Insurance is required on all real estate secured loans. Applicants must qualify for membership with NESC Credit Union.
****Payment Per $1,000 does not include amounts for taxes and insurance premiums, if applicable, and the actual obligation will be greater than the payment shown.
**Adjustable-Rate Mortgage. Rate may increase after consummation. Floor Rate = 2.25%; Caps 2/5. No Lender Closing Cost programs on balances $100,000 or greater and are not available in refinances of NESC balances. Maximum loan amount $600,000. APR based on a loan amount of $400,000. Based on a $400,000 loan the payment schedule will be 60 payments of $2398.20 at an interest rate of 6.00%, 300 payments of $2874 at an interest rate of 8.00%. Rates for owner occupied 1–2-unit properties. Call for rates on 3–4-unit owner occupied properties
***APR = Annual Percentage Rate. Rates are based on creditworthiness and may vary based on credit scoring. Rates are subject to change without notice. Property Insurance is required on all real estate secured loans. Applicants must qualify for membership with NESC Credit Union.
****Payment Per $1,000 does not include amounts for taxes and insurance premiums, if applicable, and the actual obligation will be greater than the payment shown.
Savings & Checking Account Rates
|
Share Type
|
Minimum Deposit*
|
Dividend Rate
|
Annual Percentage Yield (APY)** |
|---|---|---|---|
| Share Savings | $25 | 0.10% | 0.10% |
|
Christmas Club
(balances up to $1.000)
(balance in excess of $1,000)
|
$25
|
5.00%
0.10%
|
5.12%
0.10%
see example below***
|
| Easy Checking | N/A | 0.00% | 0.00% |
| Classic Checking | N/A | 0.10% | 0.10% |
| Money Market | N/A | 0.25% | 0.25% |
Rate may change after the account is opened and is subject to change. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on these accounts.
*Maintain this minimum average daily balance to earn disclosed annual percentage yield.
**APY - Annual Percentage Yield. Assumes that all funds, including dividends, remain on deposit for 365 days.
***Christmas Club Disclosure - A dividend rate of 5.00% will be paid on the balance in your account up to the first $1,000.00. A dividend rate of 0.10% will be paid on the portion of your balance in your account that exceeds $1,000.00. For example, a balance between $1,000-$2,000 would earn between 5.116%-2.551% APY.
**APY - Annual Percentage Yield. Assumes that all funds, including dividends, remain on deposit for 365 days.
***Christmas Club Disclosure - A dividend rate of 5.00% will be paid on the balance in your account up to the first $1,000.00. A dividend rate of 0.10% will be paid on the portion of your balance in your account that exceeds $1,000.00. For example, a balance between $1,000-$2,000 would earn between 5.116%-2.551% APY.
Certificate Account Rates
| Certificate Account Term* | Minimum Deposit** | Dividend Rate | Annual Percentage Yield (APY) *** |
|---|---|---|---|
| 6 Months | $500 | 4.00% | 4.04% |
| 12 Months | $500 | 4.00% | 4.08% |
| 18 Months | $500 | 3.75% | 3.82% |
| 24 Months | $500 | 3.50% | 3.56% |
| 30 Months | $500 | 3.25% | 3.29% |
| 36 Months | $500 | 3.00% | 3.04% |
| 48 Months | $500 | 2.50% | 2.53% |
| 60 Months | $500 | 2.00% | 2.02% |
*Penalty for early withdrawal. All rates are subject to change without notice. Fees may reduce earnings on an account. Minimum balance $500.00.
**Maintain this minimum average daily balance to earn disclosed annual percentage yield.
***APY- Annual Percentage Yield. Assumes that all funds, including dividends, remain on deposit for 365 days.
**Maintain this minimum average daily balance to earn disclosed annual percentage yield.
***APY- Annual Percentage Yield. Assumes that all funds, including dividends, remain on deposit for 365 days.
**APY - Annual Percentage Yield *APR - Annual Percentage Rate
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