APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are variable unless stated, are subject to change, and loan rates depend on credit approval. These are sample rates for demonstration only.
Checking
Everyday Checking rates
| Product | Term | Rate | Notes |
|---|
| Everyday Checking |
— |
0.00% APY |
No monthly fee. No minimum balance. |
Premier Rewards Checking rates
| Product | Term | Rate | Notes |
|---|
| Premier Rewards Checking |
Balances up to $10,000 |
2.75% APY |
When monthly qualifiers are met. Otherwise 0.10% APY. |
Next Gen Checking rates
| Product | Term | Rate | Notes |
|---|
| Next Gen Checking (ages 13-17) |
— |
0.10% APY |
Joint account with a parent or guardian. |
Savings & Certificates
Share Savings rates
| Product | Term | Rate | Notes |
|---|
| Share Savings |
$5 minimum share |
0.30% APY |
Your $5 share is your membership. |
Kids Club Savings rates
| Product | Term | Rate | Notes |
|---|
| Kids Club Savings (under 13) |
First $1,000 |
2.00% APY |
Balances above $1,000 earn the Share Savings rate. |
Money Market rates
| Product | Term | Rate | Notes |
|---|
| Money Market: $2,500 - $24,999 |
Tier 1 |
3.05% APY |
|
| Money Market: $25,000 - $99,999 |
Tier 2 |
3.40% APY |
|
| Money Market: $100,000+ |
Tier 3 |
3.65% APY |
|
Share Certificates rates
| Product | Term | Rate | Notes |
|---|
| 3-Month Certificate |
3 months |
3.90% APY |
$500 minimum |
| 6-Month Certificate |
6 months |
4.25% APY |
$500 minimum |
| 12-Month Certificate |
12 months |
4.50% APY |
$500 minimum. Our most popular term. |
| 18-Month Certificate |
18 months |
4.30% APY |
$500 minimum |
| 24-Month Certificate |
24 months |
4.15% APY |
$500 minimum |
| 36-Month Certificate |
36 months |
3.90% APY |
$500 minimum |
| 60-Month Certificate |
60 months |
3.75% APY |
$500 minimum |
IRA Certificates rates
| Product | Term | Rate | Notes |
|---|
| 12-Month IRA Certificate |
12 months |
4.60% APY |
$500 minimum |
| 36-Month IRA Certificate |
36 months |
4.00% APY |
$500 minimum |
Loans
Auto Loans rates
| Product | Term | Rate | Notes |
|---|
| New Auto |
Up to 60 months |
5.24% APR |
Rates as low as. Based on credit approval. |
| New Auto |
61 - 72 months |
5.64% APR |
|
| New Auto |
73 - 84 months |
6.04% APR |
|
| Used Auto |
Up to 60 months |
5.74% APR |
Model years up to 7 years old. |
| Used Auto |
61 - 72 months |
6.14% APR |
|
Auto Refinance rates
| Product | Term | Rate | Notes |
|---|
| Auto Refinance |
Up to 72 months |
5.99% APR |
Rates as low as. Not available for existing NARCU auto loans. |
Home Mortgages rates
| Product | Term | Rate | Notes |
|---|
| 30-Year Fixed |
30 years |
6.52% APR |
6.375% interest rate. 1.00 point. |
| 20-Year Fixed |
20 years |
6.28% APR |
6.125% interest rate. 1.00 point. |
| 15-Year Fixed |
15 years |
5.79% APR |
5.625% interest rate. 1.00 point. |
| 5/6 Adjustable Rate |
30 years |
6.31% APR |
5.875% initial rate, adjusts every 6 months after year 5. |
Home Equity Line of Credit rates
| Product | Term | Rate | Notes |
|---|
| Home Equity Line of Credit |
10-yr draw, 15-yr repay |
7.25% APR |
Variable. Up to 85% combined loan-to-value. |
Personal Loans rates
| Product | Term | Rate | Notes |
|---|
| Signature Personal Loan |
12 - 60 months |
8.99% - 17.99% APR |
Based on credit approval. |
| Share-Secured Loan |
Up to 60 months |
3.25% APR |
Secured by your NARCU savings. |
Credit Builder Loan rates
| Product | Term | Rate | Notes |
|---|
| Credit Builder Loan |
12 months |
4.00% APR |
$500 loan held in a share account until paid. |
Credit Cards
NARCU Platinum Card rates
| Product | Term | Rate | Notes |
|---|
| NARCU Platinum Card |
Variable |
12.99% - 17.99% APR |
No annual fee. No balance transfer fee for 90 days. |
NARCU Rewards Card rates
| Product | Term | Rate | Notes |
|---|
| NARCU Rewards Card |
Variable |
14.99% - 18.00% APR |
1.5x points on every purchase. |
NARCU Secured Card rates
| Product | Term | Rate | Notes |
|---|
| NARCU Secured Card |
Fixed |
11.99% APR |
Secured by a deposit of $200 - $5,000. |