Rates & Fees

Checking Accounts¹
APYs accurate as of 5/12/2021

Account Type	Minimum Opening Deposit	Dividend Rate2	APY
Checking3	$100	0.15%	0.15%
Zard Checking	$0	0.15%	0.15%

Share Accounts¹
APYs accurate as of 9/27/2022

Account Type	Minimum Opening Deposit	Dividend Rate2	APY
Share	$25	0.25%	0.25%
Zard Share	$25	0.25%	0.25%
FAT CAT Share	$5	0.25%	0.25%
Holiday Cash Club	$0	0.25%	0.25%
Money Market Share4	$250	0.50%	0.50%

Share Term Certificates (STC)⁵
APYs accurate as of 9/27/2022

Account Type	Minimum Opening Deposit	Dividend Rate2	APY
6 Months	$250	0.70%	0.70%
12 Months	$250	0.80%	0.80%
18 Months	$250	0.80%	0.80%
24 Months	$250	0.90%	0.90%
30 Months	$250	1.00%	1.00%
36 Months	$250	1.20%	1.20%

Tax-Advantaged Accounts¹
APYs accurate as of 9/27/2022

Account Type	Minimum Opening Deposit	Dividend Rate2	APY
IRA (Traditional and Roth)	$25	0.80%	0.80%
Coverdell Education Savings (CESA)	$25	0.80%	0.80%
Health Savings Account (HSA)	$0	0.60%	0.60%

Mortgage Loans
Effective Date: 12/31/2022

Loan Type	LTV	Term	Initial Rate	APR6
5-Year ARM	80% or less	30 Years	5.500%	5.436%7
5-Year ARM	80.1% - 90%	30 Years	5.700%	5.823%7
5-Year ARM	90.1% - 100%	30 Years	5.900%	6.206%7
10-Year Fixed Rate	90% or less	10 Years	5.175%	5.392%
10-Year Fixed Rate	90.1% - 100%	10 Years	5.375%	5.593%
15-Year Fixed Rate	90% or less	15 Years	5.375%	5.529%
15-Year Fixed Rate	90.1% - 100%	15 Years	5.675%	5.830%
20-Year Fixed Rate	90% or less	20 Years	5.950%	6.074%
20-Year Fixed Rate	90.1% - 100%	20 Years	6.500%	6.627%
30-Year Fixed Rate	90% or less	30 Years	6.250%	6.345%

ARM = Adjustable Rate Mortgage
LTV = Loan-to-value


Vehicle Loans
Effective Date: 12/01/2022

Loan Type	Term	APR
New Vehicle	36 Months	5.25%
New Vehicle	60 Months	5.75%
New Vehicle	72 Months	6.25%
Used Vehicle	60 Months	6.50%

Personal Loans
Effective Date: 3/13/2021

Loan Type	Term	APR
Share Secured	24 months	4.50%
Share Secured	48 months	4.75%
Share Secured Term Note	6 months	4.00%
STC Term Note	Remaining term of STC	STC rate + 2%9
Closed-End Signature	60 months	10.75%

Lines of Credit
Effective Date: 1/21/2023

Loan Type	APR
Credit Card	12.25%10
Open-End Signature	10.75%

Effective Date: 10/21/2022

Account Maintenance
Account maintenance fees are charged per statement period. Some accounts can avoid fees if the required minimum balance is maintained as specified.

Type	Amount
Checking	$1
Zard Checking	$1
CashPoints® Global (CPG)	$1
Share11	$1
Zard Share11	$1
FAT CAT Share	$0
Holiday Cash Club	$0
Money Market Share12	$2
IRA (Traditional and Roth)11	$1
Coverdell Education Savings (CESA)11	$1
Health Savings Account (HSA)	$0

Account Services

Type	Amount
Check/Item Processing13	$0.20
NSF (Non-Sufficient Funds)	$20 per item returned
Overdraft Transfer Service14	$0.50 per transfer
Stop Payment	$8 per item
Cashier’s Check Purchase15	$1 per check
Check/Statement Copy Request	Up to $1 per item
Notary Service16	$0
Returned Item	$12
Verification of Deposit (VOD) Request	$10
Retro/Historical VOD Request	$20

ATM

Type	Amount
CashPoints® ATM Transactions17	$0
PLUS® Network Completed Transactions	$0.75
PLUS® Network Denied Transactions	$0.35
Balance Inquiry18	Varies

Credit Card

Type	Amount
Annual Fee	$0
Balance Transfer	$0
Cash Advance10	$0
ATM Transaction19	$0.75
International Transaction20	1% of US dollar amount
Late Payment	Up to $20
Returned Payment	Up to $20
Lost Card Replacement	$8
Over Limit	$0
Card Reissue	$0
Rush Delivery of Card/PIN21	$15

Debit Card

Type	Amount
Lost Card Replacement	$8
International Transaction20	1% of US dollar amount
Card Reissue	$3
Rush Delivery of Card/PIN21	$15

Gift Card

Type	Amount
In-Branch Purchase	$2
Online Purchase	$3.50
Inactivity22	$1
Lost Card Replacement	$8
Expired Card Replacement	$0

First Mortgage

Type	Amount
Late Payment	4% of principal and interest

Safe Deposit Box

Type	Amount
Annual Rent	Varies with box size
Lost Key23	$18
Box Drilling	$145
Late Rental Payment24	$12

Wire Transfer

Type	Amount
Incoming Transfer	$0
Outgoing Domestic Transfer	$10
Outgoing International Transfer	$25

Please review the Account Disclosures for more information.


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 Annual Percentage Rate (APR) for Purchases and Balance Transfers as of 1/21/2023 is 12.25%. The rate is variable and subject to change. The APR for Cash Advances is fixed at 18.00%. Interest begins to accrue on purchases and balance transfers after the expiration of the grace period if the entire balance is not paid in full. Interest begins to accrue on cash advances at the time of transfer.
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 After 12 consecutive months of inactivity, $1 will be deducted monthly from the Card balance until the Card is used again or no more funds are available on the Card.
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.