Rates & Fee Schedule

Now here's something you can really put in the "bank!" Check out our Rates and Fees. You'll understand why more and more people are making the switch to credit unions for their great rates and low fees.

Rates
  •  
    		•  Savings/Money Market/Checking
    Account Rates
  •  
    		•  Investment Certificate Rates
  •  
    		•  IRA/Coverdell Education Rates
  •  
    		•  Vehicle Loan & Lease Rates
  •  
    		•  Visa Credit Card Rates
  •  
    		•  Consumer Loan Rates
  •  
    		•  Home Equity Rates
  •  
    		•  Mortgage Rates
    Fees
  •  
    		•  Savings/IRA Account Fees
  •  
    		•  Checking/Money Market Account/
    Bill Payment Fees
  •  
    		•  Miscellaneous Loan Fees
  •  
    		•  ATM/Visa® Check Card Fees
  •  
    		•  Miscellaneous Service Fees

    Rates and Fees
    Effective July 1, 2005.
    PLEASE EMAIL OR CALL OUR INFORMATION CENTER AT (858) 487 - 1880 FOR ANY CHANGES.

    +The dividend rates and annual percentage yields are the anticipated rates and yields for the current dividend period. These rates are variable and may change at any time after the account is open.

    ++THE ANNUAL PERCENTAGE YIELD ASSUMES THAT DIVIDENDS WILL REMAININ THE ACCOUNT UNTIL MATURITY. A PENALTY FOR EARLY WITHDRAWAL MAY BE IMPOSED. SEE YOUR ACCOUNT DISCLOSURE FOR COMPLETE DETAILS.


    Savings/Money Market/Checking Account Rates
    ACCOUNT
    NAME
    MINIMUM
    OPENING
    BALANCE
    MINIMUM
    TO EARN
    DIVIDENDS
    DIVIDEND
    TIERS
    DIVIDEND
    RATE +
    ANNUAL
    PERCENTAGE
    YIELD (APY) ++
    Membership
    Savings
    $5
    $100
    $100 - 2,499
    0.25%
    0.25%
    $2,500 - 9,999
    0.25%
    0.25%
    $10,000 - 24,999
    0.40%
    0.40%
    $25,000 - 49,999
    0.50%
    0.50%
    $50,000 - 99,999
    0.75%
    0.75%
    $100,000+
    1.00%
    1.01%
    Money
    Market
    $2,500
    $2,500
    $2,500 - 9,999 
    0.25%
     
    0.25%
     
    $10,000 - 24,999 
    0.50%
     
    0.50%
     
    $25,000 - 49,999
    1.00%
     
    1.01%
     
    $50,000 - 99,999
    2.00%
     
    2.02%
     
    $100,000+
    2.50%
     
    2.53%
     
    Direct
    Deposit
    Checking
    $25
    $1,500
    $ 1,500+
    0.00%
    0.00%
    Charter
    Checking
    $25
    $500
    $500 - 1,499
    0.00%
    0.00%
    $1,500 - 2,499
    0.00%
    0.00%
    $2,500+
    0.50%
    0.50%
    Request A Membership Application         Open An Account Online



    Investment Certificate Rates
    TERM


    		  
    MINIMUM
    OPENING
    BALANCE
    MINIMUM
    TO EARN
    DIVIDENDS
    DIVIDEND
    TIERS
    DIVIDEND
    RATE +
    ANNUAL
    PERCENTAGE
    YIELD (APY) ++
    6-Month Certificate
    Fixed
    $2,500
    $2,500
    $2,500-49,999
    1.50%
    1.51%
    $50,000-99,999
    2.00%
    2.02%
    100,000+
    2.25%
    2.28%
    12-Month Certificate
    Fixed
    $2,500
    $2,500
    $2,500-49,999
    2.50%
    2.53%
    $50,000-99,999
    2.60%
    2.63%
    $100,000+
    2.70%
    2.74%
    24-Month Boost! Certificate
    Fixed

    (one rate boost allowed during term)
    $2,500
    $2,500
    $2,500-49,999
    2.80%
    2.84%
    $50,000-99,999
    2.90%
    2.94%
    $100,000+
    3.00%
    3.05%
    36-Month Boost! Certificate
    Fixed

    (one rate boost allowed during term)
    $2,500
    $2,500
    $2,500-49,999
    3.00%
    3.05%
    $50,000-99,999
    3.10%
    3.15%
    $100,000+
    3.20%
    3.25%
    48-Month Certificate
    Fixed
    $2,500
    $2,500
    $2,500-49,999
    3.50%
    3.56%
    $50,000-99,999
    3.60%
    3.67%
    $100,000+
    3.90%
    3.98%
    60-Month Boost! Certificate
    Fixed

    (one rate boost allowed during term)
    $2,500
    $2,500
    $2,500-49,999
    4.00%
    4.08%
    $50,000-99,999
    4.10%
    4.18%
    $100,000+
    4.15%
    4.24%
    Open An Investment Certificate Online



    IRA/Coverdell Education Rates
    ACCOUNT
    TYPE/
    TERM
    MINIMUM
    OPENING
    BALANCE
    MINIMUM
    TO EARN
    DIVIDENDS
    DIVIDEND
    TIERS
    DIVIDEND
    RATE +
    ANNUAL
    PERCENTAGE
    YIELD (APY) ++
    IRA Savings
      Traditional
      Roth
      Education
    $100
    $100
    $100 - 2,499
    0.25%
    0.25%
         
    $2,500 - 9,999
    0.25%
    0.25%
         
    $10,000 - 24,999
    0.40%
    0.40%
         
    $25,000-49,999
    0.50%
    0.50%
         
    $50,000-99,999
    0.75%
    0.75%
         
    $100,000+
    1.00%
    1.01%
    6-Months Fixed Rate
      Traditional
      Roth
    $1,000
    $1,000
    $1,000-49,999
    1.50%
    1.51%
         
    $50,000-99,999
    2.00%
    2.02%
         
    $100,000+
    2.25%
    2.28%
    1-Year Fixed Rate
      Traditional
      Roth
      Education
    $1,000
    $1,000
    $1,000-49,999
    2.50%
    2.53%
         
    $50,000-99,999
    2.60%
    2.63%
         
    $100,000+
    2.70%
    2.74%
    2-Years Fixed Rate
      Traditional
      Roth
      Education
    $1,000
    $1,000
    $1,000-49,999
    2.80%
    2.84%
         
    $50,000-99,999
    2.90%
    2.94%
         
    $100,000
    3.00%
    3.05%
    2-Years*
    Variable Rate
      Traditional
      Roth
    $1,000
    $1,000
    $1,000+
    3.53%
    3.59%
    3-Year Boost!Certificate
    (one rate boost allowed during term)
      Traditional
      Roth
    $1,000
    $1,000
    $1,000-49,999
    3.00%
    3.05%
         
    $50,000-99,999
    3.10%
    3.15%
         
    $100,000+
    3.20%
    3.25%
    3-Years
    Fixed Rate
      Traditional
    $1,000
    $1,000
    $1,000-49,999
    3.00%
    3.05%
         
    $50,000-99,999
    3.10%
    3.15%
         
    $100,000+
    3.20%
    3.25%
    3-Years*
    Variable Rate
      Traditional
      Roth
    $1,000
    $1,000
    $1,000+
    3.53%
    3.59%
    4-Years Fixed Rate
      Traditional
      Roth
      Education
    $1,000
    $1,000
    $1,000-49,999
    3.05%
    3.10%
         
    $50,000-99,999
    3.10%
    3.15%
         
    $100,000+
    3.9%
    3.98%
    5-Year Boost!Certificate
    (one rate boost allowed during term)
      Traditional
      Roth
      Education    		    
    $1,000-49,999
    4.00%
    4.08%
         
    $50,000-99,999
    4.10%
    4.18%
         
    $100,000+
    4.15%
    4.24%
    *Variable Rate tied to the 13 week Wall Street Journal Treasury Bill rate plus 0.75%. Rate changes quarterly.
     Email or call our Information Center at (858) 487-1880 for an IRA application.



    Vehicle Loan & Lease Rates
    GENERAL CONDITIONS

    Rate can be reduced by an additional 0.25% if you make automatic loan payments from your North County Credit Union Checking Account.

    CONDITIONS FOR ALL VEHICLE LOANS* Must have comprehensive and collision insurance with a maximum $500 deductible.
    * $35 minimum monthly payment.
    LOAN
    TYPE
    AMOUNT FINANCED
    TYPE
    APR
    TERM
    MAXIMUM
    LOAN
    AMOUNT
    ESTIMATED
    PAYMENTS
    PER $100 FOR
    MAXIMUM TERM
    New/Used Auto Loans


    (Less than 5 Model Years Old & Less than 60,000 miles.)
    80% of
    Purchase
    Price
    3.99% - 9.75%
    24 to 36 Months
    $100 - $80,000
    $2.96-$3.23
    4.99% - 11.25%
    48 to 66 Months
    $5,000 - $80,000
    $1.74-$2.04
    5.99% - 12.25%
    72 to 84 Months
    $18,000 - $80,000
    $1.47-$1.78
    90% of
    Purchase
    Price
    3.99% - 9.75%
    24 to 36 Months
    $100 - $80,000
    $2.96-$3.23
    4.99% - 11.25%
    48 to 66 Months
    $5,000 - $80,000
    $1.74-$2.04
    5.99% - 12.25%
    72 to 84 Months
    $18,000 - $80,000
    $1.47-$1.78
    100% of
    Purchase
    Price
    4.49% - 10.75%
    24 to 36 Months
    $100 - $80,000
    $2.98-$3.27
    5.49%-11.75%
    48 to 66 Months
    $5,000 - $80,000
    $1.76-$2.08
    6.49%-12.75%
    72 to 84 Months
    $18,000 - $80,000
    $1.50-$1.81
    Used Auto Loans


    (5+ Model Years Old and/or over 60,000)
    100% of
    Wholesale
    Price
    4.49% - 10.75%
    24 to 36 Months
    $100 - $80,000
    $2.98-$3.27
    5.49% - 11.75%
    48 to 66 Months
    $5,000 - $80,000
    $1.76-$2.08
    5.99% - 12.25%
    72 to 84 Months
    $18,000 - $80,000
    $1.47-$1.78
    100% of
    Retail
    Price
    4.99% - 11.25%
    24 to 36 Months
    $100 - $80,000
    $3.00-$3.29
    5.99% - 12.25%
    48 to 66 Months
    $5,000 - $80,000
    $1.79-$2.10
    6.49% - 12.75%
    72 to 84 Months
    $18,000 - $80,000
    $1.50-$1.81
    Vehicle Lease Rates
    		Call (858) 487-1880 Ext. 3241 for current rates.
    CONDITIONS FOR ALL
    RECREATIONAL VEHICLES
    		*Loan type includes motor homes, van conversions, travel trailers, and excluded motorcycles, boats, and airplanes.
    *$35 minimum monthly payment.
    * Comprehensive, collision, fire and theft insurance with a maximum $500 deductible.
    LOAN
    TYPE
    AMOUNT FINANCED
    TYPE
    APR
    TERM
    MAXIMUM
    LOAN
    AMOUNT
    ESTIMATED
    PAYMENTS
    PER $100 FOR
    MAXIMUM TERM
    New RV Loan


    *Total loan amount must not exceed 80% of the manufacturer's retail price plus tax, license, documentation fee and MBI
    80% of
    Retail
    Value
    5.99% - 11.75%
    36 to 60 Months
    $100 - $150,000
    $1.94-$2.22
    6.49% - 12.25%
    72 to 84 Months
    $8,000 - $150,000
    $1.50-$1.78
    6.49% - 12.25%
    96 to 120 Months
    $50,000 - $150,000
    $1.15-$1.45
    Used RV Loan


    *Total loan amount must not exceed 90% Wholesale value determined by Kelly Blue Book.
    90% of
    Wholesale
    Value
    6.49% - 12.75%
    36 to 60 Months
    $100 - $150,000
    $1.96-$2.27
    6.99%-13.25%
    72 to 84 Months
    $8,000 - $150,000
    $1.51-$1.84
    6.99%-13.25%
    96 to 120 Months
    $50,000 - $150,000
    $1.17-$1.51
    CONDITIONS FOR ALL
    MOTORCYCLE LOANS
    		*$35 minimum monthly payment.
    * Comprehensive, collision, fire and theft insurance with a maximum $500 deductible.
    LOAN
    TYPE
    AMOUNT FINANCED
    TYPE
    APR
    TERM
    MAXIMUM
    LOAN
    AMOUNT
    ESTIMATED
    PAYMENTS
    PER $100 FOR
    MAXIMUM TERM
    New Motorcycle Loan


    *Total loan amount must not exceed 75% of the manufacturer's retail price plus tax, license, documentation and MBI
    75% of
    Purchase Price
    Value
    8.50% - 16.25%
    24/36 Months
    $100 - $30,000
    $3.16-$3.53
    9.00% - 16.75%
    48/60 Months
    $7,500 - $30,000
    $2.08-$2.48
    Used Motorcycle Loan


    *Total loan amount must not exceed 75% Wholesale value determined by Kelly Blue Book.
    75% of
    Wholesale
    Value
    9.00% - 16.75%
    24/36 Months
    $100-$30,000
    $3.18-$3.56
    9.50% - 16.75%
    48/60 Months
    $7,500 - $30,000
    $2.10-$2.48
    For Auto Lease Rates call (858) 487-1880 Ext. 3241.
    Apply Online           Auto Buying Services & Deals           Auto Insurance
    Loan Calculator      Loan Comparison Calculator



    Consumer Loan Rates
    GENERAL CONDITIONS

    Rates/terms are based on credit rating, credit criteria, and North County Credit Union account history and account relationships.

    APR=Annual Percentage Rate
    LOAN
    TYPE
    DISCL0SURE
    APR
    TERM
    MAXIMUM
    LOAN
    AMOUNT
    ESTIMATED
    PAYMENTS
    PER $100
    Overdraft Protection
    *Requires a North County CU Checking Acct

    *Minimum monthly payment is $35
    13.40%
    Line of Credit
    $1-$1,000
    $3.50
    Line Of Credit
    *Maximum loan amount is $5,000 or as determined bytime on job or profession:

    6 mths to 2 yrs:1 times one mthly gross salary

    2 to 4 yrs: 1.5 times mthly one gross salary

    4 yrs or more: 2.5 times one gross salary

    *Minimum monthly payment is $35
    13.40%-16.90%
    Line of Credit
    $500-$5,000
    $3.50-$3.57
    Personal Choice
    Loan
    *Maximum loan amount is $5,000 or as determined bytime on job or profession:

    6 mths to 2 yrs: 1 times one mthly gross salary

    2 to 4 yrs: 1.5 times mthly one gross salary

    4 yrs or more: 2.5 times one gross salary

    *Minimum monthly payment is $35
    14.50%-18.00%
    36 Months
    $500-$5,000
    $3.50-$3.62
    Share Secured Loan
    * Rate set 3% above highest dividend rate tier of Membership Savings Account in effect on day of loan disbursement.

    * Must keep equivalent loan amount in Membership Savings Account through term of loan.

    * $35 minimum monthly payment.
    3.00% over
    Membership
    Savings Rate
    Up To 60
    Months
    100% of
    Membership
    Savings Balance
    varies
    Certificate Loan
    * Rate set 3% over Certificate used as collateral.

    * Loan is due when Certificate matures.
    3.00%
    Over Certificate
    Term Of
    Certificate
    100% of Certificate
    Balance
    varies
    Apply Online         Loan Calculator         Loan Comparison Calculator



    Home Equity Loan Rates
    GENERAL CONDITIONS

    Rates/terms are based on credit rating, credit criteria, and North County Credit Union account history and account relationships.

    Your Home Equity Line of Credit or Loan may be tax deductible. Check with your tax advisor. Financing available for California property only.

    If the Credit Union waives all or some of the loan costs as part of a promotional offer or other member incentive, the member will reimburse these costs if the line of credit or loan is closed or refinanced within two years of account opening.

    APR=Annual Percentage Rate
    LOAN
    TYPE
    AMOUNT
    FINANCED
    TERM
    APR
    MAXIMUM
    LOAN
    AMOUNT
    ESTIMATED
    PAYMENTS
    PER $100 FOR
    Home Equity
    Line Of Credit
    Owner Occupied:
    Up to 80% of
    your home equity
    10 Year Draw
    (25-Year Term)
    6.25%
    $100 to $250,000
    $1.00
    CONDITIONS FOR
    HOME EQUITY LINE OF CREDIT
    		* Line of Credit based on Wall Street Journal Prime Rate.
    * When range of rates is published, highest rate applies.
    * Rate varies monthly.
    * Maximum APR is 14%.
    * NSF charge is $20.
    * Late Payment Fee is 5% of payment or $2.50 whichever is greater.
    * Annual Fee of $25 is waived in first year & any year with an outstanding balance of $20,000.
    *Minimum monthly payment is $100.
    *Comprehensive Fire and Hazard Insurance required.
    * Closing Costs range from $200 to $400.
    Fixed Rate
    Home Equity
    Loans
    (1st Trust
    Deeds)
    Owner Occupied:
    Up to 80% of
    your home equity
    Up To
    15 Years
    6.00%
    $10,000 to $250,000
    $0.85
    Non-Owner Occupied:
    Up to 75% of
    your home equity
    Up To
    12 Years
    6.75%
    + 1/2 point
    $10,000 to $250,000
    $0.95
    		 CONDITIONS FOR
    HOME EQUITY LINE OF CREDIT
    (1ST TRUST DEEDS)    		* 5-year call provision.
    * Termite inspection may be required.
    * Title and Fire Insurance Required.
    * Closing Costs range from $500 to $1,000.
    Fixed Rate
    Home Equity
    Loans
    (2nd Trust
    Deeds)
    Owner Occupied:
    Up to 80% of
    your home equity
    Up To
    15 Years
    6.50%
    $10,000 to $250,000
    $0.88
    Non-Owner Occupied:
    Up to 75% of
    your home equity
    Up To
    12 Years
    8.00%
    + 1/2 point
    $10,000 to $250,000
    $1.02
    CONDITIONS FOR
    HOME EQUITY LINE OF CREDIT
    (2ND TRUST DEEDS)    		* 5-year call provision if term exceeds 84 months.
    * Termite inspection may be required.
    * Title and Fire Insurance Required.
    * Closing Costs range from $300 to $400.
    Loan Calculator        Loan Comparison Calculator        Homeowners Insurance

    Apply Online for Home Equity Line of Credit. Email or call our Information Center at (858) 487-1880 for a Real Estate Loan application.



    Savings/IRA/Education Savings Account Fees
    Membership Savings Monthly Service Fee (if daily balance drops below $100)
    This fee is waived if the member has another North County CU account (Visa Card Accounts do not apply) or if member is less than 18 years old.     		$5.00
    Membership Savings Monthly Inactive Account Fee
    (when balance is $99 or less with no activity for 12 months or longer)    		 $5.00
    Annual Custodial Fee (per member with single or multiple IRA or Education Savings Accounts or Certificates) $7.50
    Transfer Out Fee (to another financial institution) $20.00




    Checking/Money Market Account/Bill Payment Fees
    Charter Checking Monthly Service Fee (if daily balance below $500) $5.00
    Direct Deposit Checking Monthly Service Fee
    (if direct deposit is less than $100/month)    		 $10.00
    e-Access Checking Transaction Service Fee
    (when conducted on your e-Access Checking Account only)
  • Person-to-person telephone transactions
  • Branch transaction for account withdrawals, deposits, and transfers.
    Not applicable when purchasing Cashiers Checks, Travelers Checks, Wires and Money Orders.
    		•  $1.50
    Money Market Account Monthly Service Fee
    (if daily balance drops below $2,500)    		 $10.00
    Money Market Account Per Check Fee
    (for each check over the 3 check per month maximum)    		 $10.00
    Check Returned Non-Sufficient Funds $25.00
    Courtesy Pay Fee $25.00
    Stop Payment $15.00
    Cancellation of Stop Payment $1.00
    Copy of Canceled Check
    (download free from Internet Teller)    		 $3.00
    Negative Balance Charge $3.00/day
    Temporary Checks (for 8 checks) $2.00
    Online Bill Payment Service
    (service must be used within 3 months of enrollment to avoid closure)    		 FREE




    Miscellaneous Loan Fees*
    *Other fees may apply. See respective loan documentation.
    Debt Consolidation Check
    (fee for check written by credit union to payoff member’s loan obligation)    		 $1.00/check
    Multiple Denial Fee
    (charged when applying for a loan within 6 months of last denied application)    		 $25.00
    Vehicle Repossession Fee $100.00
    Auto Loan NCCU Refinance Document Fee $50.00
    Auto Equity Loan Document Preparation Fee $150.00




    ATM/Visa® Check Card Fees
    Overdrawn ATM Transaction $20.00
    ATM Deposit Adjustment $10.00
    Photo Verification $25.00
    ATM or Visa Check Card
       First Card
       Replacement Card
       Mailed PIN Replacement
    FREE
    $5.00
    $5.00
    THE CO-OPSM ATM Network Transaction Fees
    (deposits, withdrawals, balance inquiries, transfers)    		 FREE
    NON-THE CO-OP ATM Network Transaction Fees
    (withdrawals, balance inquiries, transfers at eligible networks such as PLUS® and STAR®)    		 $1.50
    Point-Of-Sale (POS) Transactions (third party charges may apply) $0.25





    Miscellaneous Service Fees
    Lifetime Membership Fee (one time fee) $5.00
    Cashier's Check $3.00
    Money Order $2.00
    Travelers Cheques
       With $3,000 combined deposit balance
       Cheques for one (percentage of purchase)
       Cheques for two (percentage of purchase)
    FREE
    1.0%
    1.5%
    American Express Gift Cheques $2.50
    Outgoing Wire Transfer
       Domestic
       International
    $20.00
    $25.00
    Incoming Wire Transfer $5.00
    Garnishments, Executions, Levies, Photo Verification $35.00
    Account History/Statement Copy
    (download free from Internet Teller)    		 $5.00
    Mailed Receipt $0.50
    Research Hourly Rate (includes account reconciliation; $20 minimum) $20.00
    Escheat Notification $5.00
    Locator Service $15.00
    Notary Service (for credit union members only) FREE
    Collection Items (additional third party fee may apply) $25.00+
    Verification of Deposit $10.00/ea
    Returned Deposit Item $20.00
    Overdraft Transfer Fee (transfer from Savings Account) $3.00
    Overdrawn ACH Transactions $20.00
    Incorrect Address On File $1.50
    Hold Statement $3.00/mth
    Document Copy $1.00/mth
    Research ($20.00 minimum – including account reconciliation) $20.00/hour
    Account Closure (within 90 days of opening) $5.00/acct
    Excess (Regulation D) Withdrawals (6 or more electronic transactions/month.
    Fee applicable to Membership Savings, Savings, & Money Market Accounts)    		 $3.00/trans
    Check Cashing Fee (For members with combined balance of less than $500) $2.00 per check