NWPCU Rates

Effective as of: May 1, 2018

Rates Table

Effective as of: May 1, 2018. Call for Promotional Rates.

Loan Rates

Loan Rates
Loan TypeAPR*Periodic RateLoan Repayment
Purchase New Auto or
Refinance*
1.99% - 11.74%** 2013 and Newer
Used Auto**3.99% - 14.50%** 2012 and Older
Purchase New Boat/RVs**4.75% - 14.99%** 2013 and Newer
Used Boat or RV**6.90% - 14.99%** 2012 and Older
Courtesy Home Equity5.90%.016164%60 Months. Loan Amount: up to $60,000. Cannot exceed 90% of total equity.
Courtesy Home Equity6.15%.016849%84 Months. Loan Amount: up to $60,000. Cannot exceed 90% of total equity.
Courtesy Home Equity6.40%.017534%96 Months. Loan Amount: up to $60,000. Cannot exceed 90% of total equity. *This rate will lower by 1% if NWPCU is in first lien position.
Courtesy Home Equity6.40%.017534%120 Months. Loan Amount: up to $60,000. Cannot exceed 90% of total equity. *This rate will lower by 1% if NWPCU is in first lien position.
Home Equity6.15%.016849%Up to 80% of assessed value or appraised value. Up to 10 years. *This rate will lower by 1% if NWPCU is in first lien position.
Home Equity - Variable Rate
Line of Credit
8.50%.023288%Up to 80% of assessed value or appraised value. Up to 15 years
Mortgage Free in 124.35%.011301%Call for details.
1st MortgagesContact NW Priority CUFixedVarious terms, please call for more information
Personal Loan9.50% - 16.99%* Loan amount based on available security.
Personal Loan Secured by a Vehicle, Boat or RV9.50% - 16.99%** Loan amount is based on available security.
Personal Line of Credit/Overdraft Protection15.00%.041096%Minimum monthly payment $25.00 Loan amount up to $5,000
Share Secured Variable Rate up to $5,000.003.15%.008630%Loan amount is based on amount of savings on deposit. Up to 120 months
$5000.01-$25,000.003.30%.009041%Loan amount is based on amount of savings on deposit. Up to 120 months
$25,000.01-$50,000.003.35%.009178%Loan amount is based on amount of savings on deposit. Up to 120 months
$50,000.01 and Above3.40%.009315%Loan amount is based on amount of savings on deposit. Up to 120 months
*APR = Annual Percentage Rate. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit subject to approval. All rates are subject to change at anytime without notice.

 

Savings Rates

Rates my change monthly as determined by the Board of Directors. Fees could reduce earnings. We may offer other rates in the future. On November 1, 2018, the Christmas Club maximum deposit will go back to $7,000.
Savings Rates
Account TypeDividend RateAnnual Percentage YieldMinimum Opening BalanceDividends Compounded and Credit
Share Account0.15%0.15%$5.00Monthly
Money Market Account 
$5,000.01-$25,000.00
0.30%0.30%$5000.01Monthly
Money Market Account
$25,000.01-$50,000.00
0.35%0.35%$25,000.01Monthly
Money Market Account
$50,000.01-$100,000.00
0.40%0.40%$50,000.01 and AboveMonthly
Christmas/Tax Account
90th Year Celebration
0.90%0.90%No minimum; Maximum of $9,000Monthly
Select Account0.10%0.10%N/AMonthly
IRA Savings Account0.35%0.35%N/AMonthly

Term Share/CD Rates

Rates may change monthly as determined by the Board of Directors. We may offer other rates in the future. Penalty for early withdrawal might occur. All term share accounts will have an early withdrawal penalty of 2% of the current term share balance.
Term Share/CD Rates
Type of Term ShareDividend RateAnnual
Percentage
Yield
Dividends
Compounded and Credited
Minimum
Opening Balance
6 Month0.60%
0.65%
0.60%
0.65%
Monthly$500
$50,000
1 Year0.80%
0.85%
0.80%
0.85%
Monthly$500
$50,000
18 Month0.85%
0.90%
0.85%
0.90%
Monthly$500
$50,000
2 Year1.09%
1.14%
1.10%
1.15%
Monthly$500
$50,000
3 Year1.39%
1.44%
1.40%
1.45%
Monthly$500
$50,000
1 Year IRA0.90%
0.95%
0.90%
0.95%
Monthly$500
$50,000
2 Year IRA1.19%
1.24%
1.20%
1.25%
Monthly$500
$50,000
3 Year IRA1.44%
1.49%
1.45%
1.50%
Monthly$500
$50,000

 

Visa Rates and Fees

We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are current as of May 1, 2018.
How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases).
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases12.90% Regular VISA
APR for Cash Advances and Balance Transfers12.90% Regular VISA
How to Avoid Paying Interest on PurchasesYour grace period due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
For Credit Card Tips from the Federal ReserveTo learn more about factors to consider when applying for or using a credit card, visit the website for the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
FEES
Annual FeeNone
Transaction Fee
Cash Advance Fee
None
Penalty Fees
Late Payment Fee$30
Return Check Charge$35
Re-instatement Fee$35
Other Fees
Foreign Transaction FeeUp to 1% of the US dollar amount of the foreign transaction.

 

Fee Schedule

Fee Schedule
Savings Accounts
Christmas Club 
- Early Withdrawal Fee$10
- Early Closure – Fee plus loss of all dividends.$10
Inactive Account Fee – Monthly Fee$10
Teller Withdrawals – From Savings 6 per Month$1 Thereafter
Checking Accounts
Basic NWPCU Checking AccountFree
Welcome Pack of ChecksFree
Retirees 55 and older Basic Checks – 1 Box per YearFree
Stop Payment Requests – Per Request$35
Copies of Checks$3
Non-Sufficient Funds Check$35
Overdraft Transfer from Savings$5
Temporary Checks – 3 Checks$2
Statement Reconciliation Assistance- Per hour$30
ATM/Debit Card
Replacing Card$5
Changing PIN$5
Re-Instatement$35
Non-Sufficient Funds Reoccuring Debit$35
IRAs
Annual Fee – Traditional, Roth or Education$10
IRA Transfer-Out Fee$25
VISA Credit Card
Annual FeeFree
Card Replacement$5
Copies of Sales Draft 
Copy$6
Original$10
PIN Replacement$5
Re-Instatement$35
Late Payment Fee 
- Over 10 Days Delinquent$25
Returned Check Charge – If any payment made by a check drawn on another financial institution is returned unpaid.$35
Lending
Skip Payment$35
Subordination Fee$150
Real Estate Pay Off Quote$30
Changing Collateral Fee$15
Non-Sufficient Funds Item – when a payment is made with a check drawn on another financial institution and it is returned unpaid.$35
Non-Sufficient Funds Item on HELOC – If any payment is made with a check drawn on another financial institution is returned unpaid$35
Late Payment Fee – a charge of 20% of interest due on accounts over 10-day delinquent, with a minimum charge of $10.20% with a minimum charge of $10
Real Estate Late Payment Fee – a charge of 5% of past due payment over 15-days late.5% of Past Due
Loan Cancellation Fee$15
Miscellaneous
Account Closure – Prior to 90 Days$20
Copies – Statements, Checks, Deposit or Withdrawal Slips$3 ea. item
Stop Payment on NWPCU Check$35
Stop Payment for ACH Debits$35
Return Statement Fee – Statements Returned undeliverable – Per Month$10
Legal Process – Garnishment, Tax Levy, etc. Each Action$50
Business/DBA Account – Monthly Maintenance Fee$10
Special Research – Per Hour$30
Closing/Re-opening Account Under a New Number – $10 per Type – Maximum $50$10 per Type
Teller/Credit Union Check – 3 Free Per Month$5 ea. Thereafter
VISA Gift Card - 1-time load of $10 to $1,000$5
Quick Teller (Automated Phone System)Free
Wire Transfer 
- To Domestic Bank$20
- To Foreign Banks$50
- From Domestic$10
- Wire TracerAt Cost
Western Union Transfers$25
Return Check Charges 
- Written to Member$15
- Members check drawn on another financial institution$35
Collection Item 
- Foreign$25
- Collection$20
- Foreign Items over $10,000$50
Signature Guarantee – Per Guarantee$20
Notary ServiceFree
Non-Sufficient Funds ACH Item$35
Inactive Account Locator Fee$50
Check Cashing Non-Member$7
Replacement of Member Check with a Teller Check for a Non-Member$10
Mobile BankingFree
Bill PayFree
Bill Pay NSF$35
Convenience Fee – Pay by Phone 
- Up to $500$15
- Over $5003% of Transaction
Fax or Photo Copy – Per page$0.25
Verification of Deposit Requests$5