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Rates

Rates effective as of 08/22/2017 and are subject to change at any time.

Checking

Choice Rewards Checking

Account Balance

 

 

 

 

APY 

 

 

 

 

Dividend Rate

$2,000 to $15,000*

 

 

 

 

1.01%

 

 

 

 

1.01%

$15,000.01+

 

 

 

 

0.10% - 1.01%

 

 

 

 

0.10%

*Average Daily balance must be at least $2,000 to earn dividends but will be compounded on full principal balance on deposit. Rate tiers are as follows: 1.01% APY applies to balances of $0.01 - $15,000 and 0.10% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. Rates may change after the account is opened. Fees may reduce earnings. ATM fee refunds limited to $20 per month when monthly qualifications are met. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions.

APY=Annual Percentage Yield. See credit union for account details.
Visit our Dividend & APY Education Page

Premium Choice Checking

Account Balance

 

 

 

 

APY 

 

 

 

 

Dividend Rate

$0 to $25,000

 

 

 

 

2.26%

 

 

 

 

2.24%

$25,000.01 to $49,999.99

 

 

 

 

1.26%-2.26%

 

 

 

 

0.25%

$50,000 +

 

 

 

 

0.10%-1.26%

 

 

 

 

0.10%

Rate tiers are as follows: 2.26% APY applies to balances of $.01 - $25,000 and 0.25% APY applies to balances between $25,000.01 - $50,000 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to balances over $50,000 if monthly qualifications are met. All balances will earn 2.26% APY - 0.10% APY if monthly qualifications are met. Fees may reduce earnings. No minimum balance to earn rewards. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. PIN based transactions do not count toward qualifying debit card purchases. APY=Annual Percentage Yield

See credit union for account details.
Visit our Dividend & APY Education Page

Savings

Basic Savings

Account Balance

 

 

 

 

APY 

$50 to $4,999.99

 

 

 

 

0.10%

$5,000 to $24,999.99

 

 

 

 

0.15%

$25,000 +

 

 

 

 

0.20%


APY=Annual Percentage Yield. See credit union for account details. 

Club Accounts

Account Balance

 

 

 

 

APY 

$50 to $4,999.99

 

 

 

 

0.10%

$5,000 to $24,999.99

 

 

 

 

0.15%

$25,000 +

 

 

 

 

0.20%


APY=Annual Percentage Yield. See credit union for account details. 

Easy Savings

Account Balance

 

 

 

 

APY

 

 

 

 

Dividend Rate

$0 to $499.99

 

 

 

 

0.00% - 0.10%

 

 

 

 

0.10%

$500 to $2,499.99

 

 

 

 

0.10% - 0.22%

 

 

 

 

0.25%

$2,500 to $4,999.99

 

 

 

 

0.22% - 0.29%

 

 

 

 

0.35%

$5,000 to $9,999.99

 

 

 

 

0.29% - 0.39%

 

 

 

 

0.50%

$10,000 and over

 

 

 

 

0.05% - 0.39%

 

 

 

 

0.05%


APY=Annual Percentage Yield. See credit union for account details.

Health Savings Account

Account Balance

 

 

 

 

APY 

$0 to $999.99

 

 

 

 

0.00%

$1,000 to $4,999.99

 

 

 

 

0.10%

$5,000 to $49,999.99

 

 

 

 

0.25%

$50,000 and over

 

 

 

 

0.25%


APY=Annual Percentage Yield

High Yield Savings

Account Balance

 

 

 

 

APY 

$0 to $24,999.99

 

 

 

 

0.10%

$25,000 - $49,999.99

 

 

 

 

0.25%

$50,000 and over

 

 

 

 

0.30%


APY=Annual Percentage Yield. See credit union for account details.

Money Market

Amount

 

 

 

 

APY 

$0 - $9,999.99

 

 

 

 

0.10%

$10,000 - $99,999.99

 

 

 

 

0.25%

$100,000 and over

 

 

 

 

0.25%


APY=Annual Percentage Yield. See credit union for account details.

NEXT eSavings

Amount

 

 

 

 

APY 

 

 

 

 

Dividend Rate

$0 - $500.00

 

 

 

 

5.00%

 

 

 

 

4.89%

$500.01 and over

 

 

 

 

0.10%-5.0%

 

 

 

 

0.10%


APY=Annual Percentage Yield

Requires an active NEXT eChecking account. Limit one NEXT eSavings account per social security number. See credit union for account details. See www.mynextbank.com for additional details.

Smart S.T.A.R.T. Savings Program

Account Balance

 

 

 

 

APY 

$50 to $4,999.99

 

 

 

 

0.10%

$5,000 to $24,999.99

 

 

 

 

0.15%

$25,000 +

 

 

 

 

0.20%


APY=Annual Percentage Yield. See credit union for account details. 

Teen V.I.P. Savings

Account Balance

 

 

 

 

APY 

$50 to $4,999.99

 

 

 

 

0.10%

$5,000 to $24,999.99

 

 

 

 

0.15%

$25,000 +

 

 

 

 

0.20%


APY=Annual Percentage Yield. See credit union for account details. 

Loans

Vehicle Loans

 

Vehicle Year 

 

 

Terms 

 

 

Fixed Rate
(as low as) 

2016 or newer    

 

up to 48 months 

 

2.70% 

 

 

up to 66 months    

 

2.95%

 

 

up to 75 months 

 

3.45%

 

 

up to 84 months

 

3.95%

 

 

 

 

 

2012 - 2015

 

up to 48 months

 

3.70%

 

 

up to 66 months 

 

3.95%

 

 

up to 75 months  

 

4.45%

 

 

up to 84 months

 

4.95%

 

 

 

 

 

 2008 - 2011

 

up to 48 months

 

6.45%

 

 

up to 66 months

 

6.70%

A typical new auto loan of $25,000 at 2.95% APR would have 66 monthly payments of $410.81 each month, with total repayment of $27,113.59.

The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. See Credit Union for details. Ask about our Guaranteed Asset Protection (GAP).

 

NEXT Auto Loans

Term

 

   

 

Fixed Rate APR
(as low as)

 

 

 

 

Sample Payment 

up to 60 months

 

   

 

8.99%

 

 

 

 

$259.13

Sample payments based on $12,500 loan for 60 months. See www.mynextbank.com for additional details. Ask about our Guaranteed Asset Protection (GAP), as well as Mechanical Repair Coverage (MRC). Rate quoted is with co-signer. As low as rate without co-signer is 12.99%.

 

Recreational/Other Secured Loans

ATV, Snowmobiles, Personal Watercraft, etc.

 Model Year

 

 

 

 

Term

 

 

 

 

 

Fixed Rate APR
(As Low As)

 

 

 

 

Sample Payment 

 2015 - 2017

 

 

 

 

up to 60 months

 

 

 

 

 

5.50%

 

 

 

 

$96.00

 2011 - 2014

 

 

 

 

up to 48 months

 

 

 

 

 

6.50%

 

 

 

 

$119.08


Sample payments based on $5,000 loans at the maximum term allotted for model year. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Loans for model years earlier than six years are factored at personal/unsecured loan rates.



Boats, Motorhomes, Campers, RVs, etc.

Model Year

 

 

 

 

 Loan Balance

 

 

 

 

Term

 

Fixed Rate APR
(As Low As)

Sample Payment

2005-2015

 

 

 

 

up to $25,000

 

 

 

 

up to 84 months

 

 

 

 

 

4.75%

 

 

 

 

$140.00

2005-2015

 

 

 

 

$25,000-$50,000

 

 

 

 

up to 120 months

 

 

 

 

 

5.25%

 

 

 

 

$268.00

2005-2015

 

 

 

 

$50,000 +

 

 

 

 

up to 180 months

 

 

 

 

 

5.75%

 

 

 

 

$415.00


Sample payments based on $10,000, $25,000 and $50,000 loans respectively at the maximum term allotted for that balance. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Loans for collateral older than 10 years are factored at personal/unsecured loan rates.

Personal

Term

 

 

 

 

Fixed Rate APR 
(As Low As)

 

 

 

 

Sample Payment 

0-36 months

 

 

 

 

6.45%

 

 

 

 

$30.63

37-72 months

 

 

 

 

6.95%

 

 

 

 

$17.03

Sample payments based on $1,000 loan at 36 months and 72 months respectively. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.

Home Equity

Fixed Home Equity Loan w/No Closing Costs

1st Lien Position Home Equity

Loan Amount

 

 

 

 

 Term

 

 

LTV 

 

 

Fixed Rate APR* 
(As Low As)

$15,000+

 

 

 

 

5 years

 

 

up to 80% 

 

 

 3.25%

$15,000+ 

 

 

 

 

 5 years

 

 

up to 90% 

 

 

  4.75% 

                       

$15,000+

 

 

 

 

 10 years

 

 

up to 80% 

 

 

 3.50%

$15,000+

 

 

 

 

 10 years 

 

 

up to 90%

 

 

 4.25%

 

 

 

 

 

 

 

 

 

 

 

 

 $15,000+

 

 

 

 

 15 years

 

 

up to 80% 

 

 

 4.00%

 $15,000+

 

 

 

 

 15 years

 

 

up to 90% 

 

 

 4.75%

  2nd Lien Position Home Equity

Loan Amount

 

 

 

 

 Term

 

 

LTV 

 

 

Fixed Rate APR* 
(As Low As)

$15,000+

 

 

 

 

5 years

 

 

up to 80%

 

 

3.75%

$15,000+

 

 

 

 

5 years

 

 

up to 90% 

 

 

5.25%

 

 

 

 

 

 

 

 

 

 

 

 

$15,000+

 

 

 

 

10 years

 

 

up to 80% 

 

 

4.00%

 $15,000+

 

 

 

 

10 years

 

 

up to 90% 

 

 

5.00%

 

 

 

 

 

 

 

 

 

 

 

 

 $15,000+

 

 

 

 

 15 years

 

 

up to 80% 

 

 

 4.50% 

 $15,000+

 

 

 

 

 15 years

 

 

up to 90% 

 

 

5.50%

*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by NCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Rate quoted is for 5 years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home's value.  Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick built residences and seasonal residences only.

 


Home Equity Line of Credit
NOW AVAILABLE: 2.25% for 12 months!

1st Lien Position Home Equity Line of Credit

Credit Line

   

LTV 

 

 

Variable Rate APR* 
(As Low As)

$7,500 - $100,000

 

 

up to 80% 

 

 

2.25% APR for 12 months 

 

 

 

 

 

 

4.00% APR thereafter (prime - .25%)

 

 

 

 

 

 

 

 $7,500 - $100,000

 

 

up to 90% 

 

 

4.75% (prime + .50%)

 

 

 

 

 

 

 

 $7,500 - $100,000

   

up to 100%  

   

5.75% (prime + 1.25%) 


2nd Lien Position Home Equity Line of Credit

Credit Line

   

LTV 

 

 

Variable Rate APR* 
(As Low As)

$7,500 - $100,000

   

up to 80% 

 

 

2.25% APR for 12 months 

 

   

 

 

 

4.00% APR  thereafter (prime - .25%)

             

 $7,500 - $100,000

 

 

up to 90% 

 

 

5.75% (prime + 1.50%) 

 

 

 

 

 

 

 

$7,500 - $100,000

   

up to 100%

   

6.50% (prime + 2.25%)  

Annual Percentage Rate. No Closing Costs as long as line remains open for 36 months. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the Credit Line, the borrower's credit history, and the Loan to Value ratio. 2.25% APR is fixed for the first year, then adjusting to a variable Prime Interest Rate - .25%  thereafter on borrowed amounts of $7,500.00 (minimum loan amount) to $100,000.00 (maximum loan amount). Rate quoted is for up to 80% LTV, 90% LTV and 100% LTV. Rates determined by term, overall credit history, LTV, and type of property. Wall Street Journal Prime Rate currently is 4.25%. Last change date was 6/15/2017. Cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater.

Mortgage

Fixed Rate Mortgage

Term

 

 

 

 

Interest
(As Low As)

 

 

 

 

APR
(As Low As)

     

Sample Payment

30 Year Fixed

 

 

 

 

3.875%

 

 

 

 

4.015%

     

$470.24

15 Year Fixed

 

 

 

 

3.000%

 

 

 

 

3.243%

     

$690.58

Sample payments and APR percentage are based on $100,000 loan amount.  The Interest Rate is the advertised rate and can vary based on creditworthiness, home type, mortgage type and terms of the loan. See Credit Union for details.

Adjustable Rate Mortgage

Term

 

 

 

 

Interest
(As Low As)

 

 

 

 

APR
(As Low As)

     

Sample Payment

5/1 ARM

 

 

 

 

3.625%

 

 

 

 

4.340%

     

$456.05

7/1 ARM

 

 

 

 

4.000%

 

 

 

 

4.417%

     

$477.42

Sample payments and APR percentage are based on $100,000 loan amount.  The Interest Rate is the advertised rate and can vary based on creditworthiness, home type, mortgage type and terms of the loan. See Credit Union for details.

VA Loans

Term

 

 

 

 

Interest
(As Low As)

 

 

 

 

APR
(As Low As)

     

Sample Payment

30 Year VA

 

 

 

 

3.750%

 

 

 

 

4.157%

     

$478.40

15 Year VA

 

 

 

 

4.125%

 

 

 

 

4.859%

     

$770.58

Sample payments and APR percentage are based on $100,000 loan amount.  The Interest Rate is the advertised rate and can vary based on creditworthiness, home type, mortgage type and terms of the loan. See Credit Union for details.

FHA Loans

Term

 

 

 

 

Interest
(As Low As)

 

 

 

 

APR
(As Low As)

     

Sample Payment

30 Year FHA

 

 

 

 

3.625%

 

 

 

 

5.084%

     

  $462.21

15 Year FHA

 

 

 

 

3.875%

 

 

 

 

5.697%

     

  $743.34

Sample payments and APR percentage are based on $100,000 loan amount.  The Interest Rate is the advertised rate and can vary based on creditworthiness, home type, mortgage type and terms of the loan. See Credit Union for details.