Rates
Member-first deposit and loan rates. The figures below are illustrative examples — contact us for today's exact rates.
What rates does NCACU offer? As a not-for-profit cooperative, NCACU returns earnings to members through competitive deposit yields and low loan rates. The tables below are illustrative for this design preview — call (989) 910-5135 or visit a branch for current published rates.
| Product | Dividend Rate | APY* |
|---|---|---|
| Share Savings | 0.10% | 0.10% |
| Money Market (top tier) | 3.93% | 4.00% |
| 12-Month Certificate | 4.31% | 4.40% |
| IRA Certificate (12 mo) | 4.31% | 4.40% |
Rates shown are illustrative placeholders for this design preview. Replace with NCACU's current published rates before launch. APY = Annual Percentage Yield; APR = Annual Percentage Rate.
| Product | APR* from |
|---|---|
| New Auto (≤36 mo) | 5.24% |
| Used Auto | 5.49% |
| Home Equity Loan | 6.49% |
| Personal Loan | 9.90% |
| Low-Rate Visa® | 11.90% |
Rates shown are illustrative placeholders for this design preview. Replace with NCACU's current published rates before launch. APY = Annual Percentage Yield; APR = Annual Percentage Rate.
Questions about rates?
Our team will help you find the right product and lock in today's numbers.