Rates

Deposit Rates

Effective August 1, 2017 to October 31, 2017

Variable Rate Savings and Checking Accounts

Account TypesAverage Daily
Balance Required
to Obtain A.P.Y.
Dividend
Rate
Annual
Percentage
Yield
(A.P.Y.)
Dividends
Frequency
Minimum
Opening
Deposit
Regular Shares Savings (01)$0.01 0.35%0.35%Quarterly$5.00
Minors Savings (04)$0.010.35%0.35%Quarterly
$5.00
Club Savings (09)$0.010.35%0.35%Quarterly
$5.00
Traditional IRA Savings (81)$0.010.60%0.60%Quarterly$5.00
Roth IRA Savings (50)$0.010.60%0.60%Quarterly$5.00
Coverdell Education Savings (96)$0.010.60%0.60%Quarterly$5.00
Value Checking (75)$0.01 0.00%0.00%N/A$50.00
Business Checking (76)$0.01 1.00%1.00%Monthly$50.00
TEAMSTER Checking (79)$0.010.25%0.25%Monthly$50.00
Money Market (90) $1,000 - $49,999$1,000.000.60%0.60%Monthly$1,000.00
Money Market (90) $50,000 - $99,999$50,000.001.00%1.00%Monthly$50,000.00
Money Market (90) > $100,000$100,000.001.50%1.51%Monthly$100,000.00

Fixed Rate Share Certificates Of Deposit*

TermDividend Rate
Annual Percentage Yield (A.P.Y.)Dividends FrequencyMinimum Opening Deposit
6 Month Share Certificate (06)1.00%1.00%Quarterly$500.00
12 Month Share Certificate (12)1.50%1.51%Quarterly$500.00
24 Month Share Certificate (24)1.75%1.76%Quarterly$500.00
36 Month Share Certificate (36)2.00%2.02%Quarterly$500.00
48 Month Share Certificate (48)2.00%2.02%Quarterly$500.00
60 Month Share Certificate (60)2.50%2.52%Quarterly$500.00
Jumbo Certificates, Please call for Quote781-859-1661 or 781-859-1657

Traditional IRA (8) , Roth IRA (5), Coverdell Education Savings (9) Fixed Rate Share Certificates of Deposits*

TermDividend RateAnnual Percentage
Yield (A.P.Y.)
Dividends FrequencyMinimum Opening
Deposit
12 Month Share Certificate (81, 51, 90)1.50%1.51%Quarterly$500.00
24 Month Share Certificate (82, 52, 92)1.75%1.76%Quarterly$500.00
36 Month Share Certificate (36)2.00%2.02%Quarterly$500.00
48 Month Share Certificate (84, 54, 94)2.00%2.02%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rate share certificates are subject to an early withdrawal penalty equal to 90 days loss of dividends on the amount withdrawn.

 Rates subject to change without notice!

Loan Rates

Effective August 1, 2017 to October 31, 2017

Vehicle Loans

New and Used Auto Loan Rates1

Age of Vehicle TermAPR as low as2, 4Pmt per $1,000
4 Years and Newer3 Year Term2.49%$28.86
4 Year Term
2.74%$22.02
5 Year Term2.74%$17.85
6 Year Term4.04%$15.66
5 Years and Older3 Year Term4.24%$29.63
4 Year Term4.49%$22.80
5 Year Term6.74%$19.68

New and Used Motorcycle Loan Rates1

Age of Vehicle TermAPR as low as2, 4Pmt per $1,000
4 Years and Newer3 Year Term3.74%$29.41
4 year term5.74%$23.37
5 Year Term7.74%$20.15
5 Years and Older3 Year Term6.74%$30.76
4 Year Term7.74%$24.29
5 Year Term8.74%$20.63

Personal Loans

Personal (Unsecured) Loan Rates

Loan TypeMax. TermAPR as low as2Pmt per $1,000
Personal48 mos.9.75%$25.24
Tuition Assistance Pd. To School48 mos.6.00%$23.49
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

Term of LoanCollateralAPR as low as4 
Up to 60 monthsShare Account3.00%above share rate
Certificate of Deposit3.00%above CD rate

Visa ® Platinum Credit Card Rates

Card TypeAPR as low as2
Platinum with Awards Points9.99%
Platinum with Preferred Rate8.99%

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.

Home Equity Loans

Fixed Rate Second Mortgages

TermInterest Rate6APR as low as6Pmt per $1,000
0-5 Years3.750%3.83%$18.30
6-10 Years5.500%5.43%$10.85
11-15 Years6.500%6.38%$8.71

Home Equity Line of Credit (HELOC)

Loan-to Value
Interest Rate5,6
APR5,6
Up to 85% LTV3.250%Prime + 0%3.250%10 yr. draw/ 10 yr. repmt
85-100% LTV5.750%Prime + 1.5%5.750%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 3.00% 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 06/28/2017 is 4.25%. Maximum APR is 18.00%. Minimum APR is 3.00%. 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 – 1.230%

Rates subject to change without notice!