Tasty Thursdays Food Truck Schedule
Join us as we host a different food truck every Thursday at our 17045 Via Del Campo, Rancho Bernardo branch location from 11:00 a.m. to 2:00 p.m.
Tell your friends and co-workers to stop by the Credit Union for lunch!
Home Equity Lines as low as 3.99%APR*
Equity lines use your home's value as collateral. They offer several advantages:
- Lower interest rates than traditional loans;
- Use loan proceeds for a variety of needs;
- The flexibility of accessing funds whenever you need them
- The ability to re-use available funds as you pay down your balance;
- Possible tax benefits (check with your tax advisor);
- Flexible terms – borrow up to $250,000 (we lend up to 80% of your homeā?Ts value for owner-occupied properties).
Act fast, limited time offer to save even more!
To take advantage of the below offer you must apply between April 1 and June 15, 2013.
- Twelve Month Introductory Period: 3.99% APR (fixed rate).*
- After Twelve Month Introductory Period: rates start at 5.00% APR (variable rate).*
- No closing costs!**
Apply online, over the phone at (858) 487-1880, or in person at our branch.
*APR=Annual Percentage Rate. Rates effective 04/01/2013 for new Equity Lines. Please call NCCU at (858) 487-1880 for current rates. Hazard, flood and title insurance and NCCU membership are required on all Equity Lines. California owner-occupied residences only. All loans subject to credit approval.
Equity Line Introductory APR is "discounted" for the first twelve billing cycles. Our standard fully-indexed APR will commence beginning the thirteenth billing cycle. Our standard APR is based on the Wall Street Journal Prime Rate (Prime + 0%). When a range of prime rates is published, the highest prime rate applies. Rate varies monthly. Maximum APR is 14%. Minimum APR is 5%. NSF charge is $30. Late payment fee is 5% of payment or $10.00, whichever is greater. Over-the-limit fee is $18. Annual fee of $25 is waived for the first year and any year with an outstanding balance of $20,000 or more. The minimum initial credit advance that you can receive is $10,000.
**North County CU will pay closing costs (excluding government recording charges and title insurance) on new Equity Line applications received between 04/01/2013 and 06/15/ 2013. Initial loan advance must be made by 07/15/2013. Loans paid off and closed in less than 2 years from the loan origination date will require reimbursement of all closing costs paid by North County Credit Union. Closing costs typically range between $150 and $800 depending on the location of the property and the amount of the Equity Line. Offer excludes Equity Lines used for a home purchase and the appraisal fee, if an appraisal is necessary.
Our Current “Directions” Newsletter
Make sure you read our quarter newsletter, "Directions." Each issue highlights special promotions and provides helpful information to manage your finances. And don't forget to share our quarterly newsletter with family and friends. You must have Adobe's Acrobat Reader in order to view.
Second Quarter 2013
First Quarter 2013
Fourth Quarter 2012
Third Quarter 2012
New Articles From The Home & Family Finance Resource Center
Look for these articles on our Web site's online magazine, "The Home & Family Finance Resource Center."
Start reading today!
- April Financial Fitness Challengeā?"Gotta Have It? Identify Needs vs. Wants (featured week of April 1)
Don't think that being responsible about money means you can't enjoy it, too. Impulse control can help you achieve your financial goals.
- Grandparents Pitch In With Financial Help (featured week of April 8)
Grandparents derive great pleasure from doing whatever they can to enrich their grandkids' lives, now and in the future. Sometimes that includes providing some sort of financial support.
- Get a Second Chance: How to Dispute a Home Appraisal (featured week of April 22)
If you're trying to refinance and your house doesn't appraise where you thought it would, consider getting a second opinion. It could be worth the few extra steps you'll have to take.
- College Planning Blog From Ken O'Connor
This blog showcases topics revolving around college planning and financing.