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Rates

Rates effective as of 1/20/2012 and are subject to change at any time.

Vehicle Loans

Vehicle Loans: 2009-2012

Term Fixed Rate (as low as) Sample Payment*
24 months 3.75% $649.78
36 months 3.75% $441.26
48 months 3.75% $337.07
60 months 3.90% $275.62
72 months 4.90% $240.94
Notes:

* Sample payments based on $15,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Terms up to 96 months are available. See Credit Union for details.

Ask about our Guaranteed Asset Protection (GAP), as well as Mechanical Repair Coverage (MRC).

Rates valid as of 1/20/2012 and are subject to change at any time.

Vehicle Loans: 2006-2008

Previously Titled and Registered

Term Fixed Rate (as low as) Sample Payment*
24 months 4.50% $655.54
36 months 4.50% $446.53
48 months 4.50% $342.08
60 months 4.90% $282.29
72 months 6.50% $252.16
Notes:

* Sample payments based on $15,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Terms up to 84 months are available. See Credit Union for details.

Ask about our Guaranteed Asset Protection (GAP), as well as Mechanical Repair Coverage (MRC).

Rates valid as of 1/20/2012 and are subject to change at any time.

Vehicle Loans: 2005 and Older

Term Fixed Rate (as low as) Sample Payment*
24 months 9.25% $687.50
36 months 9.50% $479.35
Notes:

* Sample payments based on $15,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates are valid as of 1/20/2012 and are subject to change at any time.

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Personal Loans

Signature / Personal Loans: (Unsecured)

[Home Repair, Computer & Auto Loans]

Term Fixed Rate
(As Low As) 		Sample Payment*
12 months 11.75% $88.74
24 months 12.25% $47.20
36 months 12.50% $33.46
48 months 12.75% $26.71
60 months 13.00% $22.76
72 months 13.75% $20.48
Notes:

* Sample payments based on $1,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.

Rates Effective 1/20/2012.

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Home Equity Loans

Home Equity with Draw

Credit Line Amount Variable Rate*
$50,000 - $100,000 5.75%
$35,000 - $49,999 6.50%
$15,000 - $34,999 7.75%
Notes:

* Annual Percentage Rate

Northern FCU's Loan Rates are Current as of January 20, 2012 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.

  • No Closing Costs as long as line remains open for 36 months.
  • Rate quoted is for 70% LTV, Alternate rates available for LTVs of up to 100% of home's value. Rates and terms are determined by overall credit history, loan-to-value, lien position and type of property.
  • 5 Year Draw period and repayment period of 180 months
  • 1-4 family, owner occupied residence
  • Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater.

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Home Equity Line of Credit

Credit Line Amount Variable Rate*
$50,000 - $100,000 Prime - .25%
$35,000 - $49,999 Prime
$7,500 - $34,999 Prime + .25%
Notes:

* Annual Percentage Rate

Northern FCU's Loan Rates are Current as of January 20, 2012 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.

  • No Closing Costs as long as line remains open for 36 months.
  • Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the Credit Line, the borrower's credit history, and the Loan to Value ratio.
  • Rate quoted is for 80% LTV, Alternate rates available for LTVs of up to 90% of home's value. Rates and terms are determined by overall credit history, loan-to-value and type of property.
  • Wall Street Journal Prime Rate currently is 3.25%. Last change date was 12/17/2008
  • Rate Cap of 2% per change, 6% per Year, Maximum Rate of 15%, Rate Floor of 4%
  • 5 Year Draw period and repayment period of up to 240 months(depending on balance due at the end of draw)
  • 1-4 family, owner occupied residence
  • Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater.

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ATV, Snowmobile & RVs (Under 14 Feet)

Other Secured Consumer Loans (snowmobiles, ATVs, etc): 2011-2012

Term Fixed Rate
(As Low As) 		Sample Payment*
36 months 9.44% $160.03
48 months 9.69% $126.08
60 months 10.44% $107.33
72 months 11.24% $95.80
Notes:

* Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 1/20/2012 and are subject to change at any time.

Other Secured Consumer Loans (snowmobiles, ATVs, etc): 2007-2010

Term Fixed Rate
(As Low As) 		Sample Payment*
36 months 9.94% $161.20
48 months 10.19% $127.28
60 months 10.94% $108.57
Notes:

* Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 1/20/2012 and are subject to change at any time.

Other Secured Consumer Loans (snowmobiles, ATVs, etc): 2003-2006

Term Fixed Rate
(As Low As) 		Sample Payment*
24 months 10.69% $232.31
48 months 11.19% $129.70
60 months 11.94% $111.08
Notes:

* Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates are current as of 1/20/2012 and are subject to change at any time.

Other Secured Consumer Loans (snowmobiles, ATVs, etc): 2002 & Older

Term Fixed Rate
(As Low As) 		Sample Payment*
36 months 11.69% $165.34
48 months 12.19% $132.15
Notes:

* Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 1/20/2012 and are subject to change at any time.

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Boats, Motor Homes & RVs (Up to 10 years old)

(Over 14 feet)

Term Fixed Rate
(As Low As) 		Sample Payment*
72 months 8.50% $622.30
120 months 7.50% $415.53
144 months 7.00% $360.01
180 months 6.50% $304.96
Notes:

* Sample payments based on $35,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Rates valid as of 1/20/2012 and are subject to change without notice.

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Deposit Secured Loans

Share Secured Loan

To determine the rate on a Share Secured Loan, Add 3 percentage points to the dividend rate being paid on the share account at the time the loan is booked. Terms run from 1 - 72 months. Requirements: You must maintain a share account balance at least equal to the loan balance at all times.

Certificate of Deposit Secured Loan

To determine the rate on a CD Secured Loan, Add 3 percentage points to the dividend rate being paid on the CD at the time the loan is booked. Terms cannot exceed the maturity date of the CD. Requirements: You must maintain a CD account balance at least equal to the loan balance at all times.

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Basic Savings & Club Accounts

Account Balance APY**
$50 to $4,999.99 0.10%
$5,000 to $24,999.99 0.25%
$25,000 + 0.35%
Notes:

* Annual Percentage Yield is accurate as of 1/20/2012 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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Easy Savings Accounts

Account Balance APY**
$0 to $499.99 0.75%
$500 to $2,499.99 1.00%
$2,500 to $4,999.99 1.25%
$5,000 to $9,999.99 1.50%
$10,000 and over 0.25%
Notes:

* Annual Percentage Yield is accurate as of 1/20/2012 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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Money Market

Amount APY**
$0 - $9,999.99 0.10%
$10,000 - $49,999.99 0.25%
$50,000 - $99,999.99 0.25%
$100,000 and over 0.30%
Notes:

* Annual Percentage Yield is accurate as of 1/20/2012 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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Choice Rewards Checking

Account Balance APY**
$0 to $25,000 2.01%
$25,000.01 to $49,999.99 0.10%
$50,000+ 0.10%
Notes:

*Annual Percentage Yield (APY) accurate as of 1/20/2012 and is subject to change without notice. Rate tiers are as follows: 2.01% APY applies to balances of $.01 - $25,000 and 0.10% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.01% APY – 0.10% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance to earn rewards. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions.o minimum balance to earn rewards.

** APY=Annual Percentage Yield

See credit union for account details.

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Premium Choice Checking

Account Balance APY**
$0 to $25,000 3.26%
$25,000.01 to $49,999.99 0.25%
$50,000+ 0.10%
Notes:

*Annual Percentage Yield (APY) accurate as of 1/20/2012 and is subject to change. Rate tiers are as follows: 3.26% APY applies to balances of $.01 - $25,000 and 0.25% APY applies to balances between $25,000.01 - $50,000 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to balances over $50,000 if monthly qualifications are met. All balances will earn 3.26% APY - 0.10% APY if monthly qualifications are met. Fees may reduce earnings. No minimum balance to earn rewards. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. PIN based transactions do not count toward qualifying debit card purchases.

** APY=Annual Percentage Yield

See credit union for account details.

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High Yield Savings

Account Balance APY**
$0 to $24,999.99 0.10%
$25,000 - $49,999.99 0.45%
$50,000 and over 0.50%
Notes:

* Annual Percentage Yield is accurate as of 1/20/2012 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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IRA Savings

Account Balance APY**
All Balances 0.50%
Notes:

* Annual Percentage Yield is accurate as of 1/20/2012 and is subject to change without notice.

** APY=Annual Percentage Yield

See credit union for account details.

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Ag-Growth Checking

Account Balance APY**
$0 to $2,499.99 0.00%
$2,500 to $99,999.99 0.75%
$100,000 and over 0.75%
Notes:

* Annual Percentage Yield is accurate as of 1/20/2012 and is subject to change without notice.

** APY=Annual Percentage Yield

You must submit a copy of your schedule F of your Federal Income Tax Return to open this account.

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Health Savings Accounts

Account Balance APY**
$0 to $999.99 0.40%
$1,000 to $1,999.99 0.75%
$2,000 to $4,999.99 0.75%
$5,000 to $9,999.99 1.00%
$10,000 to $24,999.99 1.00%
$25,000 to $49,999.99 1.25%
$50,000 and over 1.50%
Notes:

* Annual Percentage Yield is accurate as of 1/20/2012 and is subject to change without notice.

** APY=Annual Percentage Yield

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Certificate of Deposit (CDs)

TermBalanceGood*Better**Best***
  APY¹APY¹APY¹
6 Months$500 - $9,9990.15%0.20%0.25%
$10,000 - $34,9990.15%0.20%0.25%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.15%0.20%0.25%
     
12 Months$500 - $9,9990.15%0.20%0.25%
$10,000 - $34,9990.15%0.20%0.25%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.15%0.20%0.25%
     
18 Months$500 - $9,9990.15%0.20%0.25%
$10,000 - $34,9990.15%0.20%0.25%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.15%0.20%0.25%
     
24 Months$500 - $9,9990.15%0.20%0.25%
$10,000 - $34,9990.15%0.20%0.25%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.15%0.20%0.25%
     
30 Months$500 - $9,9990.15%0.20%0.25%
$10,000 - $34,9990.15%0.20%0.25%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.15%0.20%0.25%
     
36 Months$500 - $9,9990.15%0.20%0.25%
$10,000 - $34,9990.15%0.20%0.25%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.15%0.20%0.25%
     
48 Months$500 - $9,9990.15%0.20%0.25%
$10,000 - $34,9990.15%0.20%0.25%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.15%0.20%0.25%
     
60 Months$500 - $9,9990.15%0.20%0.25%
$10,000 - $34,9990.15%0.20%0.25%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.15%0.20%0.25%

IRA Certificate

TermDaily BalanceGood*Better**Best***
  APY¹APY¹APY¹
6 Months$500 - $9,9990.05%0.10%0.15%
$10,000 - $34,9990.10%0.15%0.20%
$35,000 - $74,9990.15%0.20%0.25%
$75,000 and Over0.20%0.25%0.30%
     
12 Months$500 - $9,9990.25%0.30%0.35%
$10,000 - $34,9990.30%0.35%0.40%
$35,000 - $74,9990.35%0.40%0.45%
$75,000 and Over0.40%0.45%0.50%
     
18 Months$500 - $9,9990.40%0.45%0.50%
$10,000 - $34,9990.45%0.50%0.55%
$35,000 - $74,9990.50%0.55%0.60%
$75,000 and Over0.55%0.60%0.65%
     
24 Months$500 - $9,9990.50%0.55%0.60%
$10,000 - $34,9990.55%0.60%0.65%
$35,000 - $74,9990.60%0.65%0.70%
$75,000 and Over0.65%0.70%0.75%
     
30 Months$500 - $9,9990.55%0.60%0.65%
$10,000 - $34,9990.60%0.65%0.70%
$35,000 - $74,9990.65%0.70%0.75%
$75,000 and Over0.70%0.75%0.80%
     
36 Months$500 - $9,9990.60%0.65%0.70%
$10,000 - $34,9990.65%0.70%0.75%
$35,000 - $74,9990.70%0.75%0.80%
$75,000 and Over0.75%0.80%0.85%
     
48 Months$500 - $9,999 0.60%0.65%0.70%
$10,000 - $34,999 0.65%0.70%0.75%
$35,000 - $74,999 0.70%0.75%0.80%
$75,000 and Over 0.75%0.80%0.85%
     
60 Months$500 - $9,9990.75%0.80%0.85%
$10,000 - $34,9990.80%0.85%0.90%
$35,000 - $74,9990.85%0.90%0.95%
$75,000 and Over0.90%0.95%1.00%
Notes:

* Annual Percentage Yield is accurate as of 8/22/2011 and is subject to change without notice.

¹ APY -Annual Percentage Yield

Requirements for Good, Better and Best Rates:

* Good Rates - requires an active Checking and Direct Deposit.

** Better Rates - requires an active My Choice Reward or My Choice Premium Checking or a Premium Savings account.

*** Best Rates - requires an active My Choice Reward or My Choice Premium Checking and a High Yield Savings account.

Requirements for Premium & High Yield Savings:

Premium Savings:

  • Minimum deposit to open account $5,000 of new money
  • Requires an active checking account with a debit card and a minimum of $500 monthly electronic direct deposit with NFCU to avoid the $50 monthly fee.

High Yield Savings:

  • Minimum deposit to open account $25,000
  • Requires an active My Choice Reward Checking account

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Northern Federal Credit Union, Equal Housing Lender

Member NCUAEqual Housing Lender