APY = Annual Percentage Yield
APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate.
1 Dividend rates and annual percentage yields (APYs) for Checking, Share and Tax-Advantaged accounts are variable and subject to change daily at the discretion of the Board of Directors. 2 For dividend-bearing accounts (excluding Checking, Money Market Share and STC), dividends accrue when the account balance is greater than zero. Fees may reduce the earnings on the account. 3 Dividends accrue when the account balance is at least $100. 4 Dividends accrue when the account balance is at least $250. 5 Dividend rates and APYs are fixed for the term of the certificate. Rates, minimum deposit requirements and maturity dates for new accounts are subject to change daily at the discretion of the Board of Directors. Fees, penalties for early withdrawal and other conditions may reduce earnings on account. The minimum balance to earn dividends is $250. 6 APR is based on a loan amount of $150,000 for the maximum term allowed for each program. 7 Rate cannot change by more than 2% every 5 years or 6% over the life of the loan. Future interest rate changes will be determined based on the 5-year Constant Maturity Treasury (CMT) yield. 8 Loan program is restricted to refinance transactions only. 9 Rate rounded up to the nearest 0.25%. 10 Variable rate is subject to change quarterly. APR applicable for Purchases and Balance Transfers. The APR is 7.50% plus the Treasury Bill Rate. The Treasury Bill Rate is the 26-week Treasury Bill rate set at the first T-Bill Auction held each quarter and adjusted up to the nearest 0.25%. Because the Treasury Bill Rate is subject to change each quarter, the APR is as well. There is no minimum interest rate. The maximum rate is 18.00% variable APR. The fixed APR for cash advances is 18.00%. 11 No fee if the account has a minimum balance of $25 on the statement date. 12 No fee if the account maintains a minimum balance of $250. 13 Per item service fee incurred for each check or teller cashed item processed in excess of 50 each statement period. 14 Funds are transferred in whole dollar amounts, first from the primary protecting account and then the secondary protecting account (if designated). If funds in the primary account are insufficient to cover an item, an additional transfer is made from the secondary account (if funds are available). Your Checking account incurs a $0.50 fee per transfer. 15 Fee waived for checks of $500 or more. 16 Service provided for members only. 17 All transactions performed by using NCPAFCU-issued debit cards at CashPoints ATMs are fee-free. Withdrawals using certain non-NCPAFCU cards are assessed a $2 surcharge fee. 18 When you use a non-CashPoints ATM, the ATM operator may charge a fee for a balance inquiry even if you do not complete a transaction. 19 For each transaction at a CashPoints, Visa® or PLUS ATM. 20 Includes phone and internet transactions conducted in US dollars with a foreign merchant. 1% fee charged against US dollar amount of transaction. See your cardholder agreement for more information on how this fee is calculated and when it is charged. 21 Members can also call PIN Now at (888) 886-0083 to update their PIN. 22 Fee charged monthly after 12 consecutive months of inactivity. 23 Members receive two keys for each box. If both keys are lost, the box must be drilled and a box drilling fee is charged. 24 Fee charged if rent is not collected within 60 days of due date.
*Quoted rates, dividends, annual percentage yields (APY) and annual percentage rates (APR) are subject to change daily at the discretion of the Board of Directors.
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