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 Rates
  •  
  • Vehicle Loan & Lease 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, 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
    2.50%
    2.53%
    $5,000 - 9,999
    3.00%
    3.05%
    $10,000 - 24,999
    3.50%
    3.56%
    $25,000-49,999
    3.75%
    3.82%
    $50,000+
    4.00%
    4.08%
    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+
    4.33%
    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 - $80,000

    Auto 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


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