Rates Worth Getting Excited About!
- EASY and CONVENIENT options.
- Open accounts using your phone or computer, call us, or come see us in person – choose whatever makes your life simpler.
- Deal with a local institution that works alongside you to invest in you and in your community. Be welcomed by a caring staff that sincerely wants to serve you.
- Earn more for what you save. Pay less for what you need. These are great reasons to come to NCCU for absolutely everything.
Plus, if you’re a Loyal Home member, Loyalty Rewards member, Veteran, or Single Families Matter member, take advantage of even MORE discounts and features. Certain loan rates shown below are BEFORE any loyalty discounts are applied, so your actual loan rates could be even lower!
Click Accounts or Loans from our Home Page to see detailed descriptions of the many types we offer; scroll down or click links to the right to see current Rates for each type offered.
| Loans | Term | APR/Rates Starting At* |
|---|---|---|
| New or Used Cars and Trucks (2022-2025) | up to 48 months | 4.99% APR |
| New or Used Cars and Trucks (2022-2025) | up to 60 months | 5.49% APR |
| New or Used Cars and Trucks (2022-2025) | up to 72 months | 5.99% APR |
| New or Used Cars and Trucks (2022-2025) | up to 84 months | 6.49% APR |
| Loans | Term | APR/Rates Starting At* |
|---|---|---|
| Used Cars and Trucks (2016-2021) | up to 48 months | 5.29% APR |
| Used Cars and Trucks (2016-2021) | up to 60 months | 5.99% APR |
| Used Cars and Trucks (2016-2021) | up to 72 months | 6.29% APR |
| Used Cars and Trucks (2016-2021) | up to 84 months | 6.99% APR |
| Loans | Term | APR/Rates Starting At* |
|---|---|---|
| Older Vehicles (2010-2015) | up to 48 months | 6.99% APR |
| Older Vehicles (2010-2015) | up to 60 months | 7.59% APR |
*APR refers to Annual Percentage Rate. Your rate may be higher depending on credit experience, price, term, and underwriting criteria.
| Loans | Term | APR/Rates Starting At* |
|---|---|---|
| Fixed Rate First Mortgage | 5 Year (LTV up to 85%) | 5.19% APR |
| Fixed Rate First Mortgage | 10 Year (LTV up to 85%) | 5.49% APR |
| Fixed Rate First Mortgage | 15 Year (LTV up to 85%) | 5.99% APR |
| Fixed Rate First Mortgage | 20 Year (LTV Up to 85%) | 6.49% APR |
| Fixed Rate First Mortgage | 30 Year (LTV Up to 85%) | 6.99% APR |
| Variable Rate First Mortgage | 30 Year (Up to 85% LTV) | 6.49% APR |
| Variable Rate First Mortgage | 30 Year (Over 85% LTV) | 6.49% APR |
| HELOC/Line of Credit | 15 Year Fixed | 6.99% APR |
| First Time Home Buyer | Up to 30 Years | 8.99% APR+ |
| Second Mortgage/Home Improvement | 10 Year Fixed | 6.99% APR |
| Second Mortgage/Home Improvement | 15 Year Variable/1 Year ARM | 6.99% APR |
| Rental Property | 15 Year/5 Year ARM – Up to $250,000 | 7.99% APR |
| Rental Property | 15 Year Fixed – Up to $250,000 | 7.99% APR |
| Land Loan | 10 Year Fixed | 7.99% APR |
| Land Loan | 15 Year Variable | 7.49% APR |
| Manufactured Home | 15 Year Fixed | 7.99% APR+ |
| Manufactured Home | 30 Year Variable | 8.49% APR+ |
*Rates subject to change without notice – more rates and terms available. APR refers to Annual Percentage Rate. On rare occasions, private mortgage insurance (PMI) may be available or required. Variable rates change every 1, 5 or 10 years depending on loan type chosen.
Real Estate Loan Rate Index based on previous week’s 30-year US Treasury Constant Maturity Yield plus an indexed APR (Annual Percentage Rate).
Rates based on loan collateral and credit history. Call for details.
+ Add 1 Point for certain loan discount/risk classifications depending on credit experience, price, term, and underwriting criteria.
| Loans | Term | APR/Rates Starting At* |
|---|---|---|
| New & Used Motorcycles | up to 60 months | 5.99% APR |
| Loans | Term | APR/Rates Starting At* |
|---|---|---|
| New & Used Boats | up to 60 months | 5.99% APR |
| Loans | Term | APR/Rates Starting At* |
|---|---|---|
| Camper & RV | Varies | 5.99% APR |
*APR refers to Annual Percentage Rate. Your rate may be higher depending on credit experience, price, term, and underwriting criteria. RV loans over $15,000 available for longer terms at higher rates.
| Loans | Term | APR/Rates Starting At* |
|---|---|---|
| Signature (Personal) Loan | Varies | 7.99% APR |
| Share Secured Loan | Varies | 2.99% APR |
| Debt Consolidation Loan | Varies | 7.99% APR |
| Certificate Account Secured Loan | Certificate Term | Certificate Account Rate +2% APR |
| Payday Alternative Loan (PAL) | Varies | 28% |
*APR refers to Annual Percentage Rate. Your rate may be higher depending on credit experience, price, term, and underwriting criteria.
Farming, Agriculture, & Residential Equipment Loan Rates
Rates effective: January 26, 2025
Click here to apply online
| Account | Term | APR/Rates Starting At* |
|---|---|---|
| Farming, Agriculture, & Residential Equipment | Varies | 4.29% APR |
*APR refers to Annual Percentage Rate. Your rate may be higher depending on credit experience, price, term, and underwriting criteria. Under $10K, 6 year max financing; over $10K, 12 year max financing, starting at 8.49% APR.
Savings Rates
Rates effective: January 26, 2025
| Account | Balance | APY** |
|---|---|---|
| Share and Club Dividends | 0 – $249 | 0.00% |
| Share and Club Dividends | $250 – $1,000 | 0.75% |
| Share and Club Dividends | $1,001 and above | 1.00% |
**APY refers to annual percentage yield and is subject to change at the discretion of Northeast Community Credit Union. APY assumes dividends will remain on deposit until maturity. APY is an annual calculation based on 365 days in a year. A penalty will be imposed for early withdrawal. Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. The APY shown for all non-term share accounts is accurate as of the last dividend declaration date.
High Interest Checking Rates
Rates effective: January 26, 2025
| Account | Balance | APY** |
|---|---|---|
| Platinum Elite | Up to $5,000 Over $5,000 | 2.50% 1.50% |
| Money Market | Below $10,000 $10,000 – $24,999.99 $25,000 – $49,999.99 $50,000 – $99,999.99 $100,000 – $199,999.99 $200,000 and up | 0.75% 0.80% 0.90% 1.00% 1.20% 1.30% |
**APY refers to annual percentage yield and is subject to change at the discretion of Northeast Community Credit Union. APY is an annual calculation based on 365 days in a year. Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. The APY shown for all non-term share accounts is accurate as of the last dividend declaration date.
Certificate Accounts & Individual Retirement Account Rates
Rates effective: January 26, 2025
| Account | APY** |
|---|---|
| 6 Month Certificate Account | 2.00% |
| 6 Month Certificate Account with Rewards | 2.20% |
| 12 Month Certificate Account | 2.80% |
| 12 Month Certificate Account with Rewards | 3.00% |
| 18 Month Certificate Account | 2.90% |
| 18 Month Certificate Account with Rewards | 3.10% |
| 24 Month Certificate Account | 3.05% |
| 24 Month Certificate Account with Rewards | 3.25% |
| 12 Month Nest Egg Certificate Account
Now anyone can have a certificate account! A low minimum balance of $100 will open this certificate. Deposits in increments of $25 are permitted during the term of the account. This is a great way to save for your children or grandchildren. Reward add-ons do not apply. | 2.80% |
| 12 Month Add-On Certificate Account
You can add to this Certificate Account in increments of $250 or more anytime during the term of the certificate. Reward add-ons do not apply. | 2.80% |
| 20 Month Bump-Up Certificate Account
No need to worry about rates going up and being locked into a lower rate. You have the option of “bumping up” to the then-current interest rate one time during the term of the Certificate Account. Deposits are permitted in increments of $500. Reward add-ons do not apply. | 3.25% |
| 24 Simple Savings Certificate Account
An amazing savings plan to create an emergency fund of at least $1,000. We can set a designated amount to come from your paycheck straight to your Simple Savings Certificate Account – an easy way to save! Reward add-ons do not apply. | 3.05% |
| IRA Accumulation Account Variable Rate, Quarterly Dividends Reward add-ons do not apply. | 4.21% |
| 24 Month IRA – Fixed Rate Reward add-ons do not apply. | 3.05% |
**APY refers to annual percentage yield and is subject to change at the discretion of Northeast Community Credit Union. APY assumes dividends will remain on deposit until maturity. APY is an annual calculation based on 365 days in a year. A penalty will be imposed for early withdrawal. Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. The APY shown for all non-term share accounts is accurate as of the last dividend declaration date.