|
Rates
(Rates current as of 02/01/12 but subject to
change.)
| Vehicle Loan Rates* (APR) |
Auto loan rates as low as 1.75% APR*
Please
click for details and MORE vehicle types... |
*Take a
Discount of .25% APR with Auto Pay.
Rates apply to new and used cars, trucks, motorcycles & boats and are
based on credit history, year of vehicle and term of loan.
|
| Signature Loan Rates (1-24 Mo) |
|
Credit Score Range
|
Rate (APR)
|
|
730+
|
8.05%
|
|
700 - 729
|
8.45%
|
|
680 - 699 |
10.60% |
|
640 - 679
|
11.10%
|
|
600 - 639
|
12.85%
|
|
550 - 599
|
15.85%
|
Terms
Available from six (6) to 60 months
Discount: .25% off with Auto Pay |
| Share Secured
Loan Rates |
Rate (APR) is the
current
Share Account Rate plus 4.1% APR* |
See Deposit Rates
or
call an MSR for information. |
| Discount: .25%
off with Auto Pay * Effective as of 3/18/09 |
| MasterCard Rates |
|
8.9% APR to
|
15% APR*
|
|
No annual fee or balance
transfer fee
|
*Based on your credit history
|
|
Home Equity
Line of Credit
|
|
Term
|
Rate (APR)
|
|
6 months to 15
years
|
Variable**
|
| Home Equity Fixed Loan Rates* (APR) |
|
|
Credit Score
Range
|
|
Term
|
730+
|
680-729
|
640-679
|
600-639
|
550-599
|
|
Up to 60 months
|
5.25%
|
5.60%
|
5.84%
|
6.10%
|
Not Available
|
|
61 to 120 months
|
5.60%
|
5.70%
|
6.10%
|
6.35%
|
Not Available
|
|
121 to 180 months
|
5.84%
|
5.94%
|
6.35%
|
6.60%
|
Not Available
|
Minimum loan amount $5,000.
Maximum loan amount $150,000.
Fixed rate established by the Board of Directors |
|
All rates
are subject to change. You must be a member to apply for a loan.
Membership is open to anyone who lives, works, worships, attends
school or volunteers in Niagara County and opens an account with
a minimum $5 deposit.
Niagara's Choice
Federal Credit Union is an Equal Housing Lender. Home Equity
Line of Credit rates are adjusted on the first business day of
each quarter based on the Prime Rate as published in the Wall
Street Journal.
**Prime to prime + 1% APR based on credit score:
may not go lower than floor rate of 4% APR.
|
Account Rates
| Savings and Deposit Accounts |
| Account Type |
Dividend Rate |
Annual % Yield |
|
Regular Savings Share
|
0.25%
|
0.25% APY
|
|
No Fee Checking/Draft
|
0.10%
|
0.10% APY
|
|
IRA Accounts
|
1.00%
|
1.1005% APY
|
|
Club Accounts
|
0.25%
|
0.25% APY
|
|
APY = Annual
Percentage Yield
All dividend
rates are compounded daily and credited quarterly to all types
of share accounts. A minimum $250 daily balance is required to
earn dividends.
|
| Certificate Accounts |
|
Term
|
Dividend Rate
|
Annual % Yield
|
|
3-Month
|
0.30%
|
0.30% APY
|
|
6-Month
|
0.30%
|
0.30% APY
|
|
12-Month
|
0.35%
|
0.351% APY
|
|
24-Month
|
.40%
|
.401% APY
|
|
36-Month
|
1.00%
|
1.005% APY
|
|
48-Month
|
1.250%
|
1.258% APY
|
|
60-Month
|
1.500%
|
1.511% APY
|
|
APY = Annual Percentage Yield
Minimum required balance is
$500.
Certain penalties apply if funds are withdrawn prior to account
maturity. Refer to the "Term Share Account Disclosure" for more
details.
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