Rates

Deposit Rates

Variable Rate Savings and Checking Accounts
Effective Date: September 01, 2018
Account TypesAverage Daily Balance Required to obtain A.P.Y.Dividend RateAnnual Percentage Yield (A.P.Y.)Dividend FrequencyMinimum Opening Deposit
Regular Shares Savings (01) $0.01 0.35% 0.35% Quarterly $5.00
Minors Savings (04) $0.01 0.35% 0.35% Quarterly $5.00
Club Savings (09) $0.01 0.35% 0.35% Quarterly $5.00
Traditional IRA Savings (81) $0.01 0.60% 0.60% Quarterly $5.00
Roth IRA Savings (50) $0.01 0.60% 0.60% Quarterly $5.00
Coverdell Education Savings (96) $0.01 0.60% 0.60% Quarterly $5.00
Free Checking (78) $0.01 0.00% 0.00% N/A $1.00
Business Checking (76) $0.01 1.00% 1.00% Monthly $50.00
Money Market (90) $1,000 - $49,999 $1,000.00 0.60% 0.60% Monthly $1,000.00
Money Market (90) $50,000 - $99,999 $50,000.00 1.00% 1.00% Monthly $1,000.00
Money Market (90) >$100,000 $100,000.00 1.50% 1.51% Monthly $1,000.00
Money Market (90) > $250,000.00 1.60% 1.61% Monthly $1,000.00

Fixed Rate Share Certificates of Deposit*
Effective Date: September 01, 2018
TermDividend RateAnnual Percentage Yield (A.P.Y.)Dividend FrequencyMinimum Opening Deposit
6 Month Share Certificate (06) 1.25% 1.26% Quarterly $500.00
12 Month Share Certificate (12) 2.00% 2.02% Quarterly $500.00
24 Month Share Certificate (24) 2.25% 2.25% Quarterly $500.00
36 Month Share Certificate (36) 2.25% 2.27% Quarterly $500.00
48 Month Share Certificate (48) 2.25% 2.27% Quarterly $500.00
60 Month Share Certificate (60) 2.50% 2.52% Quarterly $500.00
Jumbo Certificates, Please call for Quote 781-859-1661 or 781-859-1657
18 Month Share Certificate of Deposit (18) 2.50% 2.52% Quarterly $500.00

Traditional IRA (8), Roth IRA (5), Coverdell Education Sav. (9), Fixed Rate Certificates of Deposit*
Effective Date: September 01, 2018
TermDividend RateAnnual Percentage Yield (A.P.Y.)Dividend FrequencyMinimum Opening Deposit
12 Month Share Certificate (80, 51,91) 2.00% 2.02% Quarterly $500.00
24 Month Share Certificate (82, 52, 92) 2.25% 2.27% Quarterly $500.00
36 Month Share Certificate (83, 53, 93) 2.25% 2.27% Quarterly $500.00
48 Month Share Certificate (84,54, 94) 2.25% 2.27% Quarterly $500.00
60 Month Share Certificate (85, 55, 95) 2.50% 2.52% Quarterly $500.00
*Fixed Rate Share certificates, IRA, and Coverdell fixed rate share certificates are subject to an early withdrawal penalty equal to 90 days of loss of dividends on the amount withdrawn.
Rates subject to change without notice!

Vehicle Loans

New and Used Auto Loan Rates1
Effective Date: September 01, 2018
Age of Vehicle TermAPR as low as 2, 4Pmt per $1,000
4 Years and Newer 3 Year Term 3.24% $29.19
  4 Year Term 3.49% $22.35
  5 Year Term 3.49% $18.19
  6 Year Term 4.79% $16.01
5 Years and Older 3 Year Term 4.74% $29.85
  4 Year Term 5.24% $23.14
  5 Year Term 7.49% $20.03

New and Used Motorcycle Loan Rates1
Effective Date: September 01, 2018
Age of Vehicle TermAPR as low as 2, 4Pmt per $1,000
4 Years and Newer 3 Year Term 4.49% $29.74
  4 Year Term 6.49% $23.71
  5 Year Term 8.49% $20.51
5 Years and Older 3 Year Term 7.49% $31.10
  4 Year Term 8.49% $24.64
  5 Year Term 9.49% $21.00

Personal Loans

Personal (Unsecured) Loan Rates
Effective Date: September 01, 2018
Loan Type Max. TermAPR as low as 2Pmt per $1,000
Personal 48 Mos. 10.00% $25.36
Tuition Assistance Pd. to School 48 Mos. 6.25% $23.60
Credit Builder $2,000 max.   For borrowers with limited or no credit - 14.75% $41.67
Credit Corrector $1,500 max.   To consolidate outstanding debts - 16.75% $41.67

Share Secured Loan Rates3
Effective Date: September 01, 2018
Term of LoanCollateralAPR as low as 4
Up to 60 Months Share Account 3.00% above share rate  
  Certificate of Deposit 3.00% above CD rate  

VISAź Platinum Credit Card Rates
Effective Date: September 01, 2018
Card TypeAPR as low as 2
Platinum with Awards Points 11.49%
Platinum with Preferred Rate 10.49%

1- Maximum LTV on vehicle loans may vary based on credit score. Maximum age of vehicle is 9 years. Maximum mileage up to 100,000, determined by age of vehicle.
2- APR - Annual Percentage Rates listed are based on credit history and credit score. APRs quoted reflect a 1.00% discount for payroll deduction and automatic payment from a NETFCU account. Other rates and terms may be available. Rates subject to change without notice.
3- May borrow up to 95% of account balance. 100% of share account balance will be pledged as collateral for the loan.
4- APR - Annual Percentage Rate (APR) quoted reflects a 1.00% discount for payroll deduction and automatic payment from a NETFCU account. Other rates and terms may be available. Rates subject to change without notice. 

Fixed Rate First Mortgages
Effective Date: September 01, 2018
TermInterest Rate 1Points 1APR as low as 2Pmt per $1,000
30 Year Fixed 4.50% 0 4.59% $5.07
15 Year Fixed 4.00% 0 4.15% $7.40
10 Year Fixed 4.00% 0 4.21% $10.12
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Adjustable Rate First Mortgages 3
Effective Date: August 01, 2018
TermInterest Rate 1Points 1APR as low as 2Pmt per $1,000
3/1 ARM 3.750% 0 4.96% $4.63
5/1 ARM 3.875% 0 4.84% $4.70
7/1 ARM 4.00% 0 4.77% $4.77

Home Equity Loans

Fixed Rate Second Mortgages
Effective Date: August 01, 2018
TermInterest Rate4,5APR as low as4,5Pmt per $1,000
0-5 Years 4.500% 4.83% $18.64
6-10 Years 6.250% 6.43% $11.23
11-15 Years 7.25% 7.38% $9.13

Home Equity Line of Credit (HELOC)
Effective Date: September 01, 2018
Loan-to valueInterest Rate4,5 APR4,5
Up to 85% LTV 4.250% Prime + 0% 4.250% 10 yr. draw/10 yr. repmt
85-90% LTV 4.750% Prime + .50% 4.750% 10 yr. draw/10 yr. repmt

1 – First mortgage rates are based on a single family primary home purchase with 20% down to a member with excellent credit. Your rate and points may vary based on your credit score, subordinate financing, loan-to-value ratio, or other factors unique to your transaction. Rates subject to change without notice.

2 – Annual Percentage Rate (APR) is based on a loan amount of $100,000.

3 – Adjustment Caps – 2% per adjustment, 6% over life of loan. The “Index” is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board.

4 – Annual Percentage Rate (APR) of 3.75% is fixed for the first 24 months, followed by a variable rate based on the Wall Street Journal Prime Rate plus 0% Margin for LTV below 85%. The Current Wall Street Journal Prime Rate as of 04/17/2018 is 4.75%. Maximum APR is 18.00%. Minimum APR is 3.75%. Maximum LTV may vary based on credit score and other factors unique to your transaction. Closing costs of up to $800 may be required.

5 – APR – Annual Percentage Rate (APR) quoted reflects a 1.00% discount for payroll deduction and automatic payment from a NETFCU account. Other rates and terms may be available. Rates subject to change without notice.

Current Treasury Index - 2.320%

Rates subject to change without notice!

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