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Rates

Rates are subject to change at any time. Please contact NCCU for current rates. Click on a section below to navigate.

Deposit Accounts

Money Market Accounts

Vehicle Loans

Home Mortgages

Home Equity Lines of Credit

Personal Loans

 

Deposit Accounts

Certificates of Deposit

Account Type Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance Compounding Frequency Early Withdrawal Penalty
6 months 1.00% 1.01% $500.00 $500.00 Monthly 90 days of dividends
12 months 1.75% 1.76% $500.00 $500.00 Monthly 90 days of dividends
18 months 2.25% 2.27% $500.00 $500.00 Monthly 120 days of dividends
24 months 2.50% 2.53% $500.00 $500.00 Monthly 120 days of dividends
36 months 2.60% 2.63% $500.00 $500.00 Monthly 180 days of dividends
48 months 2.70% 2.73% $500.00 $500.00 Monthly 180 days of dividends
60 months 2.75% 2.79% $500.00 $500.00 Monthly 180 days of dividends

The interest rates and yields set forth above are accurate as of the effective date indicated on this document. If you wish to obtain current rate information, please call the credit union. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account based on interest rates and compounding frequency over a 365-day period. Normally, no notice of intent to withdraw shares is required; however, Northern Colorado Credit Union of Greeley's bylaws give the credit union the authority to require up to sixty (60) days notice to withdraw shares. The interest rate and APY are the prospective rates and yields the credit union anticipates paying for the applicable period. No additional deposits can be made to IRA or regular certificates of deposit during the term.

Checking Accounts

Account Type Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance Compounding Frequency Early Withdrawal Penalty
Green & Classic Checking 0.00% 0.00% $0.00 $0.00 N/A N/A
Millennium Checking 0.05% 0.02% $1,000.00 $1,000.00 Monthly N/A
Millennium Checking 0.15% 0.05% $1,000.00 $10,000.00 Monthly N/A

The interest rates and yields set forth above are accurate as of the effective date indicated on this document. If you wish to obtain current rate information, please call the credit union. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account based on interest rates and compounding frequency over a 365-day period. Normally, no notice of intent to withdraw shares is required; however, Northern Colorado Credit Union of Greeley's bylaws give the credit union the authority to require up to sixty (60) days notice to withdraw shares. The interest rate and APY are the prospective rates and yields the credit union anticipates paying for the applicable period. Millenium Checking Accounts are variable rate accounts and may be changed at any time, in any amount, at Northern Colorado Credit Union's sole discretion.

IRA Share Accounts

Account Type Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance Compounding Frequency Early Withdrawal Penalty
IRA Share 0.15% 0.15% $50.00 $50.00 Monthly N/A

The interest rates and yields set forth above are accurate as of the effective date indicated on this document. If you wish to obtain current rate information, please call the credit union. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account based on interest rates and compounding frequency over a 365-day period. Normally, no notice of intent to withdraw shares is required; however, Northern Colorado Credit Union of Greeley's bylaws give the credit union the authority to require up to sixty (60) days notice to withdraw shares. The interest rate and APY are the prospective rates and yields the credit union anticipates paying for the applicable period. After the initial $50.00 deposit to open the account, additional deposits of $50.00 or more may be made at any time.

IRA Certificates of Deposit

Account Type Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance Compounding Frequency Early Withdrawal Penalty
6 months 1.00% 1.01% $1,000.00 $1,000.00 Monthly 90 days of dividends
12 months 1.75% 1.76% $1,000.00 $1,000.00 Monthly 90 days of dividends
18 months 2.25% 2.27% $1,000.00 $1,000.00 Monthly 120 days of dividends
24 months 2.50% 2.53% $1,000.00 $1,000.00 Monthly 120 days of dividends
36 months 2.60% 2.63% $1,000.00 $1,000.00 Monthly 180 days of dividends
48 months 2.70% 2.73% $1,000.00 $1,000.00 Monthly 180 days of dividends
60 months 2.75% 2.79% $1,000.00 $1,000.00 Monthly 180 days of dividends

 The interest rates and yields set forth above are accurate as of the effective date indicated on this document. If you wish to obtain current rate information, please call the credit union. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account based on interest rates and compounding frequency over a 365-day period. Normally, no notice of intent to withdraw shares is required; however, Northern Colorado Credit Union of Greeley's bylaws give the credit union the authority to require up to sixty (60) days notice to withdraw shares. The interest rate and APY are the prospective rates and yields the credit union anticipates paying for the applicable period. No additional deposits can be made to IRA or regular certificates of deposit during the term.

Savings Accounts

Account Type Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance Compounding Frequency Early Withdrawal Penalty
Primary Share Savings 0.15% 0.15% $25.00 $25.00 Monthly N/A
Additional Share Accounts 0.15% 0.15% $25.00 $25.00 Monthly N/A

The interest rates and yields set forth above are accurate as of the effective date indicated on this document. If you wish to obtain current rate information, please call the credit union. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account based on interest rates and compounding frequency over a 365-day period. Normally, no notice of intent to withdraw shares is required; however, Northern Colorado Credit Union of Greeley's bylaws give the credit union the authority to require up to sixty (60) days notice to withdraw shares. The interest rate and APY are the prospective rates and yields the credit union anticipates paying for the applicable period.

Money Market Accounts

Tiered Money Market Accounts

Account Type Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance Compounding Frequency Early Withdrawal Penalty
$2,500.00–$9,999.99 0.40% 0.40% $2,500.00 $2,500.00 Monthly N/A
$10,000.00–$24,999.99 0.50% 0.50% $2,500.00 $10,000.00 Monthly N/A
$25,000.00–$49,999.99 0.40%

0.55%

$2,500.00 $25,000.00 Monthly N/A
$50,000.00–$99,999.99 0.70% 0.70% $2,500.00 $50,000.00 Monthly N/A

The interest rates and yields set forth above are accurate as of the effective date indicated on this document. If you wish to obtain current rate information, please call the credit union. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account based on interest rates and compounding frequency over a 365-day period. Normally, no notice of intent to withdraw shares is required; however, Northern Colorado Credit Union of Greeley's bylaws give the credit union the authority to require up to sixty (60) days notice to withdraw shares. The interest rate and APY are the prospective rates and yields that the credit union anticipates paying for the applicable period. Six withdrawals per month are allowed on money market accounts. The first three withdrawals are free, and the next three are charged at $10.00 per withdrawal. These are variable rate accounts and may be changed at any time, in any amount, at the Northern Colorado Credit Union's sole discretion. 

Jumbo Money Market Accounts

Account Type Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance Compounding Frequency Early Withdrawal Penalty
Jumbo $100,000.00+ 0.90% 0.90% $2,500.00 $100,000.00 Monthly N/A

The interest rates and yields set forth above are accurate as of the effective date indicated on this document. If you wish to obtain current rate information, please call the credit union. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account based on interest rates and compounding frequency over a 365-day period. Normally, no notice of intent to withdraw shares is required; however, Northern Colorado Credit Union of Greeley's bylaws give the credit union the authority to require up to sixty (60) days notice to withdraw shares. The interest rate and APY are the prospective rates and yields that the credit union anticipates paying for the applicable period.Six withdrawals per month are allowed on money market accounts. The first three withdrawals are free, and the next three are charged at $10.00 per withdrawal. These are variable rate accounts and may be changed at any time, in any amount, at Northern Colorado Credit Union's sole discretion. 

Vehicle Loans

Auto Loans (2011-2019)

Term Normal APR* as low as
53 months or less 3.24%
54 to 72 months 3.49%
73 to 84 months 3.84%

**Auto loans refinanced from other institutions receive a .50% interest rate discount with 12 months of consecutive on-time payments 

*Rate and Annual Percentage Rate (APR) depend on the member's individual credit history, vehicle year, and term of the loan. See a loan officer for qualifications. Rates posted online are subject to change.

Auto Loans (2008-2010)

Term Normal APR* as low as
Up To 72 months 4.49%
   

*Auto loans refinanced from other institutions receive a .50% interest rate discount with 12 months of consecutive on-time payments 

*Rate and Annual Percentage Rate (APR) depend on the member's individual credit history, vehicle year, and term of the loan. See a loan officer for qualifications. Rates posted online are subject to change.

Classic-2007 Vehicles

Term Normal APR* as low as
Up to 66 months 5.49%
   

*Rate and Annual Percentage Rate (APR) depend on the member's individual credit history, vehicle year, and term of the loan. See a loan officer for qualifications. Rates posted online are subject to change.

Motor Home Loans, Fifth Wheel & Trailer Loans (2008 and Newer)

Term APR* as low as
Up to 72 months 5.24%
73 to 96 months 6.24%
97 to 144 months 7.24%
145 to 180 months 8.24%

*Rate and Annual Percentage Rate (APR) depend on the member's individual credit history, vehicle year, and term of the loan. See a loan officer for qualifications. Rates posted online are subject to change.

Motorcycle Loans (2011 and Newer)

Term APR* as low as
up to 36 months 5.19%
37 to 60 months 6.19%
60-84 months 7.69%

*Rate and Annual Percentage Rate (APR) depend on  the member's individual credit history, vehicle year, and term of the loan. See a loan officer for qualifications. Rates posted online are subject to change.

Home Mortgages

First mortgages for primary and secondary residences are offered through our mortgage lending partner, Centennial Lending, but we stay with you every step of the way! And since they are part of the credit union family, Centennial Lending offers you the same great rates and service with lower closing costs than typical mortgage lenders. Rates below are linked to Centennial Lending's current rates posted on their website. To view current rates for FHA, VA, and USDA (Rural Development Guaranteed Housing Loan Program) loans, please follow the link below to visit Centennial Lending's website.

CENTENNIAL LENDING RATES 

First Mortgage (owner-occupied, primary residence)—Conventional Loan

Term APR* as low as
30-year fixed 5%
20-year fixed [rate:conv_20_fix]%
15-year fixed 4.5%
10-year fixed [rate:conv_10_fix]%
5-year adjustable [rate:conv_5_adj]%

Rates shown are for conventional first mortgages and taken from Centennial Lending's website. Please contact Centennial Lending to verify current rates 720-494-2740. *APR = Annual Percentage Rate. Rate and APR depend on the member's individual credit history and term of the loan. Centennial Lending NMLS# 3056

First Mortgage—Rental Property (Non Owner-Occupied or Secondary Residence)

Please contact us for current rates.

Home Equity Fixed/Second Mortgage (Owner-Occupied, Primary Residence)

Term APR* as low as
Up to 60 months 5.49%
61 to 96 months 5.74%
97 to 120 months 6.49%
121 to 180 months 7.49%

Rates shown may not include NO Fee Discount rates. *APR = Annual Percentage Rate. Rate and APR depend on the member's individual credit history and term of the loan. Rates shown are for a maximum 85% LTV. 

Second Mortgage—Rental Property (Non Owner-Occupied)

Please contact us for current rates.

Home Equity Loans & Lines of Credit

Home Equity Line of Credit (HELOC) Variable-Rate Program

Type of Credit Term APR* as low as
Current Rate Revolving LOC 5.00%†
Floor Rate   4.00%

†APR is Annual Percentage Rate. Rate and will vary based on the member's individual credit history, term of the loan and loan to value. See a loan officer for details. 

Home Equity Fixed/Second Mortgagte; non-owner occupied.

Term APR* as low as
Up to 60 months 6.74%
61 to 96 months6.74 6.99%
97 to 120 months 7.74%
121-180 months 8.74%

APR is Annual Percentage Rate. Rate and will vary based on the member's individual credit history, term of the loan andloan-to-value. Investment Property rates are for a maximum 75% LTV. NCCU NMLS# 803643. See a loan officer for details.

Personal Loans

Untitled Collateral

Type of Credit Term APR* as low as
Loan amount less than $15,000 Up to 36 months 8.19%
Loan amount greater than $15,000 37-48 months 8.44%
   

Deposit-Secured Loans

Term

APR* as low as

Up to 36 months 8.19%

*APR = Annual Percentage Rate. Rate and APR depend on the member's individual credit history and term of the loan. See a loan officer for details.

Deposit-Secured Loans

Type of Credit Term APR* as low as
Share Secured Up to 60 months 4.20%
Certificate of Deposit Secured Tied to maturity 2.0% above certificate of deposit rate

*APR = Annual Percentage Rate. Rate and APR depend on the member's individual credit history and term of the loan. See a loan officer for details.