LOAN RATES

Product 

Term 

APR* 

Auto 

Up to 63 Months 

3.69% 1  (as low as)

Motorcycles/ATVs 

Up to 65 Months 

3.69% 1   (as low as)

Signature 

60 Months 

No Equity Loan 

60 Months 

Equity Line 

10 year draw period/ 
15 year payback period 

8.19% 1  (as low as)

6.69% 1   (as low as)

5.25% 2 (Prime plus 0%) 

Equity Loan 

84 Months 

3.69% 3  (as low as)

*Rates shown as Annual Percentage Rate (APR) and are subject to change without notice. APRs are accurate as of August 2, 2019. Rate and mount financed on 
all loans are determined by your personal credit history, account relationships, and payment method. All loans are subject to credit approval. Other terms and 
rates may be available.

1Rates include 0.10% discount for having a checking account with NECU, plus 0.10% discount for payments made through payroll deduction or automatic funds 
transfer from another NECU account, plus 0.10% discount for having an active NECU VISA credit card.  

2The index for the Prime Advantage Line of Credit is the Wall Street Journal Prime Rate. We will use the most recent index value available to us as of the last day 
of the calendar quarter before the date of any annual percentage rate adjustment plus a margin of 0% for loan to value ratios of 80% and lower. Higher loan to 
value ratios are available. Maximum credit line is $200,000. The maximum APR that may be imposed is 18% in a variable-rate plan. No closing costs to first-time 
applicants (exceptions may apply). Otherwise closing costs could be up to $1,000. Property insurance required. Flood insurance is required if the property is 
located in flood zone. For a 1-4 family owner occupied residence, condo, or mobile home on its own land. 

3Minimum  amount  is  $10,000;  maximum  is  $100,000.  Loan  must  be  in  second  lien  position.  Closing  costs  waived  for  the  first  loan  (exceptions  may  apply). 
Otherwise closing costs may be up to $1,000. Property insurance is required. Flood insurance is required if the property is located in a flood zone.  LE3568.08.19

For further information, please contact a Member Services Representative at 888.436.1847.       

 
SAVINGS RATES

Product  

Rate 

APY* 

Min. To Open

Regular Savings  

0.10% 

0.10% 

Silver Lining Savings  
Up To $500 
$500+ 

MyFunds  
Up To $500  
$500+  

Student Savings  
Up To $500  
$500+  

College Savings 
Up To $500 
$500+ 

1.50% 
0.10% 

1.50% 
0.10% 

1.50% 
0.10% 

1.50% 
0.10% 

1.51% 
0.10% 

1.51% 
0.10% 

1.51% 
0.10% 

1.51% 
0.10% 

$5 

$5 
$5

$5 
$5

$5 
$5

$100 
$100

*Annual Percentage Yield (APY) is accurate as of August 2, 2019 and is subject to change without notice. The Regular Savings account is used to establish 
membership. A $5 minimum balance must be maintained. See our schedule of fees for details on fees and charges associated with Savings Accounts. 

At Northeast Credit Union, your deposits are insured up to $500,000; $250K provided by the National Credit Union Administration (NCUA), plus an 
LE3568.08.19
additional $250,000 - this savings protection is available at no charge on all qualifying accounts through ESI, a private insurer. 

For further information, please contact a Member Services Representative at 888.436.1847.  

CERTIFICATE RATES

Term 

Min. To Open 

Rate 

6 Month  

12 Month  

18 Month  

24 Month 

36 Month 

48 Month 

60 Month 

$500  

$500 

$500 

$500 

$500 

$500 

$500 

0.75% 

1.00% 

1.25% 

2.00% 

2.50% 

1.79% 

2.25% 

APY* 

0.75%

1.00%

1.26% 

2.02%

2.53%

1.80%

2.27%

*Annual Percentage Yield (APY) is accurate as of August 2, 2019 and is subject to change without notice.

Most certificates require $500 to open. Please check each individual one for details. Take advantage of our unique Certificate Guarantee options (may 
not apply for all share certificates).

• Should rates go up within ten days of your certificate being opened, we will automatically increase your rate. 
• Unique one-time “bump” feature allows you to move your certificate to a higher rate should rates change during the term of your certificate. 
• May withdraw dividends at any time with no penalty. 
• Add to your Share Certificate for up to the original amount of the deposit.

Fees may reduce earnings. Interest rates for traditional share certificates and IRA share certificates are guaranteed from time of purchase to maturity. 
They are subject to penalty for early withdrawal.

At Northeast Credit Union, your deposits are insured up to $500,000; $250K provided by the National Credit Union Administration (NCUA), plus an 
additional $250,000 - this savings protection is available at no charge on all qualifying accounts through ESI, a private insurer.

Please refer to your share certificate contract for complete details. 

LE3568.08.19

For further information, please contact a Member Services Representative at 888.436.1847. 

MONEY MARKET RATES

Member’s Choice

Balance To Obtain APY 

Up to $2,500  

$2,500 - $9,999 

$10,000 - $24,999 

$25,000 - $49,999 

$50,000 - $99,999 

$100,000+ 

Rate 

0.10% 

0.15% 

0.20% 

0.36% 

0.46% 

0.56% 

APY* 

0.10%

0.15%

0.20%

0.36%

0.46%

0.56%

Minimum to Open=$2,500 

*Annual Percentage Yield (APY) is accurate as of August 2, 2019 and is subject to change without notice. See our schedule of fees for details on fees and 
charges associated with Money Market Accounts. Fees may reduce earnings. 

At Northeast Credit Union, your deposits are insured up to $500,000; $250K provided by the National Credit Union Administration (NCUA), plus an 
LE3568.08.19
additional $250,000 - this savings protection is available at no charge on all qualifying accounts through ESI, a private insurer. 

For further information, please contact a Member Services Representative at 888.436.1847. 

CHECKING RATES

Product 

Rate 

APY* 

Balance To Obtain APY

Elite 
Checking1 

Relationship 
Checking 

Student 
Checking Plus 

3.93% 

4.00% 

Up to $15,000

0.10% 

0.10% 

$5,000

0.10% 

0.10% 

$0.01

Member 
Business Checking 

0.10% 

0.10% 

$5,000

*Annual Percentage Yield (APY) is accurate as of August 2, 2019 and is subject to change without notice. See our schedule of fees for details on fees and 
charges associated with Checking Accounts. 

1Pays interest on balances up to $15,000 when all requirements are met. Please ask for details.

At Northeast Credit Union, your deposits are insured up to $500,000; $250K provided by the National Credit Union Administration (NCUA), plus an 
LE3568.08.19
additional $250,000 - this savings protection is available at no charge on all qualifying accounts through ESI, a private insurer. 

For further information, please contact a Member Services Representative at 888.436.1847.