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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 and Fees
Effective July 1, 2001.
Please email or call our Information Center at (858) 487 - 1880 for any changes. |
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 - 499 |
1.00% |
1.00% |
|
|
|
$500 - 999 |
1.50% |
1.51% |
|
|
|
$1,000 - 4,999 |
1.90% |
1.91% |
|
|
|
$5,000 - 9,999 |
2.00% |
2.02% |
|
|
|
$10,000 - 24,999 |
2.20% |
2.22% |
|
|
|
$25,000-49,999 |
2.35% |
2.37% |
|
|
|
$50,000+ |
2.55% |
2.57% |
Money
Market |
$2,500 |
$2,500 |
$2,500 - 4,999 |
|
|
|
|
|
$5,000 - 9,999 |
|
|
|
|
|
$10,000 - 24,999 |
|
|
|
|
|
$25,000-49,999 |
|
|
|
|
|
$50,000+ |
|
|
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-Months |
$2,500 |
$2,500 |
$2,500-9,999 |
3.50% |
3.56% |
|
|
|
$10,000-24,999 |
3.75% |
3.82% |
|
|
|
$25,500-49,999 |
3.85% |
3.92% |
|
|
|
$50,000+ |
3.95% |
4.03% |
| 1-Year |
$2,500 |
$2,500 |
$2,500-9,999 |
3.60% |
3.67% |
|
|
|
$10,000-24,999 |
3.85% |
3.92% |
|
|
|
$25,500-49,999 |
3.95% |
4.03% |
|
|
|
$50,000+ |
4.05% |
4.13% |
| 2-Years |
$2,500 |
$2,500 |
$2,500-9,999 |
3.70% |
3.77% |
|
|
|
$10,000-24,999 |
4.05% |
4.13% |
|
|
|
$25,500-49,999 |
4.15% |
4.24% |
|
|
|
$50,000+ |
4.25% |
4.34% |
| 3-Years |
$2,500 |
$2,500 |
$2,500-9,999 |
3.70% |
3.77% |
|
|
|
$10,000-24,999 |
4.05% |
4.13% |
|
|
|
$25,500-49,999 |
4.15% |
4.24% |
|
|
|
$50,000+ |
4.25% |
4.34% |
| 4-Years |
$2,500 |
$2,500 |
$2,500-9,999 |
3.70% |
3.77% |
|
|
|
$10,000-24,999 |
4.05% |
4.13% |
|
|
|
$25,500-49,999 |
4.15% |
4.24% |
|
|
|
$50,000+ |
4.25% |
4.34% |
Open An Investment Certificate Online
IRA Rates
ACCOUNT
TYPE/
TERM |
MINIMUM
OPENING
BALANCE |
MINIMUM
TO EARN
DIVIDENDS |
DIVIDEND
TIERS
|
DIVIDEND
RATE
|
ANNUAL
PERCENTAGE
YIELD (APY) |
IRA Savings
Traditional
Roth
|
$100
|
$100
|
$100 - 999 |
1.50% |
1.51% |
|
|
|
$1,000 - 4,999 |
1.90% |
1.91% |
|
|
|
$5,000 - 9,999 |
2.00% |
2.02% |
|
|
|
$10,000-24,999 |
2.20% |
2.22% |
|
|
|
$25,000+ |
2.35% |
2.37% |
6-Months Fixed Rate
Traditional
Roth
|
$1,000
|
$1,000
|
$2,500-9,999 |
3.50% |
3.56% |
|
|
|
$10,000-24,999 |
3.75% |
3.82% |
|
|
|
$25,000-49,999 |
3.85% |
3.92% |
|
|
|
$50,000+ |
3.95% |
4.03% |
1-Year Fixed Rate
Traditional
Roth
Education |
$1,000 ($500 for
Education) |
$1,000 ($500 for
Education) |
$2,500-9,999 |
3.60% |
3.67% |
|
|
|
$10,000-24,999 |
3.85% |
3.92% |
|
|
|
$25,000-49,999 |
3.95% |
4.03% |
|
|
|
$50,000+ |
4.05% |
4.13% |
2-Years Fixed Rate
Traditional
Roth
Education |
$1,000 ($500 for
Education) |
$1,000 ($500 for
Education) |
$2,500-9,999 |
3.70% |
3.77% |
|
|
|
$10,000-24,999 |
4.05% |
4.13% |
|
|
|
$25,000-49,999 |
4.15% |
4.24% |
|
|
|
$50,000+ |
4.25% |
4.34% |
2-Years*
Variable Rate
Traditional
Roth |
$1,000
|
$1,000
|
$1,000+ |
|
4.42% |
3-Years
Fixed Rate
Traditional
Roth |
$1,000 ($500 for
Education) |
$1,000 ($500 for
Education) |
$2,500-9,999 |
3.70% |
3.77% |
|
|
|
$10,000-24,999 |
4.05% |
4.13% |
|
|
|
$25,000-49,999 |
4.15% |
4.24% |
|
|
|
$50,000+ |
4.25% |
4.34% |
3-Years*
Variable Rate
Traditional
Roth |
$1,000
|
$1,000
|
$1,000+ |
4.33% |
4.42% |
4-Years Fixed Rate
Traditional
Roth
Education |
$1,000 ($500 for
Education) |
$1,000 ($500 for
Education) |
$2,500-9,999 |
3.70% |
3.77% |
|
|
|
$10,000-24,999 |
4.05% |
4.13% |
|
|
|
$25,000-49,999 |
4.15% |
4.24% |
|
|
|
$50,000+ |
4.25% |
4.34% |
*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
| Rate quotes reflect a 0.5% discount for members with direct deposit into a North County Credit Union Checking Account. Rates based on your good credit. |
LOAN
TYPE |
AMOUNT
FINANCED
|
REPAYMENT
TERMS
|
FIXED
ANNUAL
PERCENTAGE
RATE (APR) |
New
Auto Loan
(Less Than 5
Model Years
Old & Less
Than 60,000
Miles.) |
80% Purchase Price |
24/36
Months |
6.90% |
|
|
48/60
Months |
7.25% |
|
|
72/84
Months |
8.00% |
|
90% Purchase Price |
48/60
Months |
7.25% |
|
|
72/84
Months |
8.25% |
|
100% Purchase Price |
48/60
Months |
8.40% |
|
Used Auto
Loan
(100% Retail
Used Auto
Loans Up To
4 Model
Years Old
Only.) |
100% Wholesale |
24/36
Months |
7.90% |
|
|
48/60
Months |
8.40% |
|
|
72/84
Months |
9.00% |
|
100% Retail |
24/36
Months |
9.40% |
|
|
48/60
Months |
9.40% |
|
|
72/84
Months |
10.40% |
CONDITIONS
|
For All Auto Loans
* Must have comprehensive and collision insurance with a maximum $500 deductible.
* $35 minimum monthly payment.
* Minimum and maximum loan amount required for terms:
24 Months:
$0 - $2,000
36 Months:
$2,001 - $5,000
48 Months:
$5,001 - $7,500
60 Months:
$7,501 - $17,999
72 Months:
$18,000 - $24,999
80 Months:
$25,000 - $80,000Auto Equity Loans only:
* $100 Document Preparation Fee.
* Borrow from $10,000 to $80,000. |
|
New RV
|
80% Purchase Price |
Up to 60
Months |
8.75% |
|
|
72 to 96
Months |
9.25% |
|
Used RV
|
90% Purchase Price |
Up to 96
Months |
9.50% |
CONDITIONS
|
* $35 minimum monthly payment.
* Comprehensive, collision, fire and theft insurance with a maximum $500 deductible.
* Minimum and maximum loan amount required for terms:
60 Months:
$5,000 - $8,000
72 Months:
$8,001 - $10,000
84 Months:
$10,001 - $15,000
96 Months For New:
$15,001 - $75,000
96 Months For Used:
$15,001 - $50,000 |
|
New Motorcycle
|
75% Purchase Price |
36
Months |
9.50% |
|
Used Motorcycle
|
75% Wholesale |
24
Months |
10.00% |
CONDITIONS
|
* $35 minimum monthly payment.
* $12,000 maximum loan amount for New Motorcycle Loan.
* $10,000 maximum loan amount for Used Motorcycle Loan.
|
|
New Mobile Home
|
80% Purchase Price |
Up to 180 Months |
9.75% |
|
Used Mobile Home
|
80% Retail Value |
Up to 180 Months |
10.75% |
* $35 minimum monthly payment.
* Must be located in licensed mobile home park.
* Comprehensive, collision, fire and theft insurance with a maximum $500 deductible.
* Minimum and maximum loan amount required for terms:
36 Months:
$1,000 - $3,500
48 Months:
$3,501 - $5,000
72 Months:
$5,001 - $7,500
108 Months:
$7,501 - $10,000
138 Months:
$10,001 - $15,000
180 Months:
$15,001 - $100,000 |
CONDITIONS
|
* $35 minimum monthly payment.
* Must be located in licensed mobile home park.
* Comprehensive, collision, fire and theft insurance with a maximum $500 deductible.
* Minimum and maximum loan amount required for terms:
36 Months:
$1,000 - $3,500
48 Months:
$3,501 - $5,000
72 Months:
$5,001 - $7,500
108 Months:
$7,501 - $10,000
138 Months:
$10,001 - $15,000
180 Months:
$15,001 - $100,000 |
For Auto Lease Rates call (858) 487-1880 Ext. 3241.
Apply Online Auto Buying Services & Deals
Loan Calculator Loan Comparison Calculator
Consumer Loan Rates
| Rates based on your good credit. |
| Overdraft Protection |
Open
|
13.40%
|
* Borrow up to $1,000.
* $35 minimum monthly payment.
* Automatic payments from Checking Account.
|
| Line Of Credit |
Open |
13.40% |
* Borrow from $100to $5,000.
* $35 minimum monthly payment.
|
Personal Choice
Loan |
36 Months |
14.50%
|
* Borrow up to $5,000.
* $35 minimum monthly payment. |
| Visa® Credit Card |
Open |
13.90%
|
* Borrow up to your approved credit limit.
* Convenience Checks - Returned, Insufficient Funds: $20.00.
* Convenience Checks - Stop Payment: $15.00.
* Annual Fee: $10.00.
* Grace Period For Purchases: 25 Days From The Statement Date.
* Balance Calculation Method: Average Daily Balance Including New Purchases.
* Late Payment Fee: $10.00 (When Received 10 Days Past Due).
* Over The Limit Fee: $10 for each billing cycle during which you exceed your credit limit by 20% or
$500, whichever is less
.
* For additional fees and terms disclosure, click here.
|
| Share Secured Loan |
Up To 60 Months |
3.00% over Membership Savings Rate |
* 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.
|
| Certificate Loan |
Term Of
Certificate |
3.00%
Over Certificate |
* Rate set 3% over Certificate used as collateral.
* Loan is due when Certificate matures.
|
Apply Online Loan Calculator Loan Comparison Calculator
Home Equity Loan Rates
| Rates based on your good credit. Your Home Equity Loan may be tax deductible. Check with your tax advisor. Property Insurance required on all Home Equity Loans & Lines of Credit. California property only. |
| LOAN TYPE |
AMOUNT
FINANCED |
TERM |
ANNUAL
PERCENTAGE
RATE (APR) |
CONDITIONS |
HomePlus Loan
(Fixed Rate) |
Owner Occupied:
Borrow from
$5,000 to $20,000 |
Up To
7 Years |
10.50% |
* $150 Non-Refundable Loan Application Fee.
* No appraisal fees, title fees or other closing costs.
* Minimum $100 monthly payment.
|
|
Home Equity
Line Of Credit
(Variable Rate) |
Owner Occupied:
Up to 80% of
your home equity |
10 Year
Draw
(25-Year
Term) |
7.00% |
* Borrow up to $100,000.
* Line of Credit based on Wall Street Journal Prime Rate.
* When range of rates is published, highest rate applies.
* Rate varies quarterly.
* Minimum APR is 7%.
* Maximum APR is 16%.
* 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.
* 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 |
7.00% |
* Borrow from $10,000 to $150,000.
* 5-year call provision.
* Termite inspection may be required.
* Title and Fire Insurance Required.
* Closing Costs range from $500 to $1,000.
|
|
Non-Owner Occupied:
Up to 75% of
your home equity
|
Up To
12 Years |
7.75%
+ 1/2 point |
Fixed Rate
Home Equity
Loans
(2nd Trust
Deeds) |
Owner Occupied:
Up to 80% of
your home equity |
Up To
15 Years |
8.00% |
* Borrow from $10,000 to $150,000.
* 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.
|
|
Non-Owner Occupied:
Up to 75% of
your home equity
|
Up To
12 Years |
9.00%
+ 1/2 point | |
Loan Calculator Loan Comparison Calculator
Email or call our Information Center at (858) 487-1880 for a Real Estate Loan application.
Savings/IRA Account Fees
Membership Savings Monthly Service Fee
(if daily balance drops below $200)
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 $50 or less with no activity for 12 months
or longer) |
$5.00
|
| Annual Custodial
Fee (per member with single or multiple IRA accounts) |
$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
|
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
|
| Online Bill Payment
Monthly Service Fee (for 15 payments per month) |
$5.95
|
| Online Bill Payment
Per Payment Fee Over Monthly Allowance |
$0.35 |
| Check
Returned Non-Sufficient Funds |
$20.00 |
| Stop Payment |
$15.00 |
| Cancellation of
Stop Payment |
$1.00 |
| Copy of Canceled
Check |
$3.00 |
| Negative Balance
Charge |
$3.00/day |
| Temporary Checks
(for 8 checks) |
$2.00 |
Miscellaneous Loan Fees
Debt Consolidation
Check
(per check charge for checks written by credit union to pay
off member's loan obligation) |
$1.00
|
Multiple Denial
Fee
(charged to members applying for a loan within 6 months of
their last denied application) |
$5.00
|
ATM/Visa® Check Card Fees
| Overdrawn ATM Transaction |
$20.00 |
| ATM Deposit Adjustment |
$5.00 |
| Photo Verification |
$25.00
|
| ATM or Visa Check
Replacement Card |
$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®) |
$1.00
|
| 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 |
$25.00 |
| Account History |
$2.50 |
| Statement Copy |
$2.50 |
| Mailed Receipt |
$0.50 |
| Research Hourly
Rate (includes account reconciliation; $20 minimum) |
$20.00 |
| Escheat Notification |
$2.00 |
| Locator Service |
$15.00 |
| Notary Service
(for credit union members only) |
FREE |
| Collection Items
(additional third party fee may apply) |
$25.00+ |
| Returned Deposit
Item |
$10.00 |
| Overdraft Transfer
Fee (transfer from Savings Account) |
$2.50 |
| Overdrawn ACH Transactions |
$20.00 |
|
|
|
