Rates - NextMark Credit Union

Pinnacle Checking

Balance	Min. to Open	Dividend Rate	APY*
APY = Annual Percentage Yield. Rates are effective as of 5/25/2021. Rates may change without notice. Fees may reduce earnings on accounts. *Pinnacle Checking has a $9.00 per month charge if balance falls below $1,500.00.
Balance $0 - $1,499	Min. to Open $0	Dividend Rate 0.05%	APY* 0.05%
Balance $1,500 - $500,000**	Min. to Open $0	Dividend Rate 0.05%	APY* 0.05%

Balance

Min. to Open

Dividend Rate

APY*

*APY = Annual Percentage Yield. Rates are effective as of 5/25/2021. Rates may change without notice. Fees may reduce earnings on accounts.

**Pinnacle Checking has a $9.00 per month charge if balance falls below $1,500.00.

Balance

$0 - $1,499

Min. to Open

Dividend Rate

0.05%

APY*

0.05%

Balance

$1,500 - $500,000**

Min. to Open

Dividend Rate

0.05%

APY*

0.05%

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Simply Free, 50 Prestige, and Direct Pay Checking

Checking Type	Min. to Open	Dividend Rate	APY*
*APY = Annual Percentage Yield. Rates are effective as of 5/25/2021. Rates may change without notice. Fees may reduce earnings on accounts.
Checking Type Simple Free Checking	Min. to Open $0	Dividend Rate 0.05%	APY* 0.05%
Checking Type 50 Prestige Checking	Min. to Open $0	Dividend Rate 0.05%	APY* 0.05%
Checking Type Direct Pay Checking	Min. to Open $0	Dividend Rate 0.05%	APY* 0.05%

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NextLine - Personal Line of Credit

Terms Up To	Minimum credit limit	Maximum credit limit	APR as Low As
Rates are effective as of 5/25/2021. Rates subject to change without notice.
Terms Up To Open End	Minimum credit limit $500	Maximum credit limit $5,000	APR as Low As 8.49%

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Savings Accounts

Savings Type	Min. to Open	Dividend Rate	APY*
*APY=Annual Percentage Yield. Rates are effective as of 5/25/2021. Rates subject to change without notice. Fees may reduce earnings on accounts. ²Holiday Club accounts offer a withdrawal period of November 15th through January 31st of each year. ³Please visit your local branch to open these accounts.
Savings Type Regular Savings with Balance of $100 - $499.99	Min. to Open $5.00	Dividend Rate 0.05%	APY* 0.05%
Savings Type Regular Savings with Balance of $500 - $24,999.99	Min. to Open $5.00	Dividend Rate 0.05%	APY* 0.05%
Savings Type Regular Savings with Balance of $25,000 - $500,000	Min. to Open $5.00	Dividend Rate 0.07%	APY* 0.07%
Savings Type Vacation, Holiday Club², Pledge & Extra Share with Balance of $0 - $99.99	Min. to Open $25	Dividend Rate 0.00%	APY* 0.00%
Savings Type Vacation, Holiday Club², Pledge & Extra Share with Balance of $100 - $500,000	Min. to Open $25	Dividend Rate 0.10%	APY* 0.10%
Savings Type Roth IRA³ with Balance up to $500,000	Min. to Open $1.00	Dividend Rate 0.15%	APY* 0.15%
Savings Type Traditional IRA³ with Balance up to $500,000	Min. to Open $1.00	Dividend Rate 0.25%	APY* 0.25%
Savings Type Coverdell ESA³ with Balance $2,000/year	Min. to Open $1.00	Dividend Rate 0.25%	APY* 0.25%

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Money Market Plus & IRA Money Market Plus Accounts

Balance	Dividend Rate*	APY**
Rates shown are “as high as” amounts. *APY=Annual Percentage Yield. Rates are effective as of 5/25/2021. Rates subject to change without notice. Fees may reduce earnings on accounts.
Balance $2,500-$9,999	Dividend Rate* 0.10%	APY** 0.10%
Balance $10,000-$24,999	Dividend Rate* 0.15%	APY** 0.15%
Balance $25,000-$99,999	Dividend Rate* 0.20%	APY** 0.20%
Balance $100,000-$500,000	Dividend Rate* 0.40%	APY** 0.40%

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IRA Certificates* with Balance of $500 - $2,499

Term	Min. to Open	Dividend Rate	APY**
Please visit your local branch to open IRA Certificates. *APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Rates effective as of 5/25/2021. Rates subject to change without notice.
Term 3 Months	Min. to Open $500	Dividend Rate 0.05%	APY** 0.05%
Term 6 Months	Min. to Open $500	Dividend Rate 0.15%	APY** 0.15%
Term 9 Months	Min. to Open $500	Dividend Rate 0.20%	APY** 0.20%
Term 12 Months	Min. to Open $500	Dividend Rate 0.40%	APY** 0.40%
Term 24 Months	Min. to Open $500	Dividend Rate 0.45%	APY** 0.45%
Term 36 Months	Min. to Open $500	Dividend Rate 0.60%	APY** 0.60%
Term 48 Months	Min. to Open $500	Dividend Rate 0.60%	APY** 0.60%
Term 60 Months	Min. to Open $500	Dividend Rate 0.80%	APY** 0.80%
Term 72 Months	Min. to Open $500	Dividend Rate 0.90%	APY** 0.90%

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Certificates & IRA Certificates* with Balance of $2,500 - $24,999

Term	Min. to Open	Dividend Rate	APY**
Please visit your local branch to open IRA Certificates. *APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Rates effective as of 5/25/2021. Rates subject to change without notice.
Term 3 Months	Min. to Open $2,500.00	Dividend Rate 0.10%	APY** 0.10%
Term 6 Months	Min. to Open $2,500.00	Dividend Rate 0.25%	APY** 0.25%
Term 9 Months	Min. to Open $2,500.00	Dividend Rate 0.30%	APY** 0.30%
Term 12 Months	Min. to Open $2,500.00	Dividend Rate 0.50%	APY** 0.50%
Term 24 Months	Min. to Open $2,500.00	Dividend Rate 0.55%	APY** 0.55%
Term 36 Months	Min. to Open $2,500.00	Dividend Rate 0.70%	APY** 0.70%
Term 48 Months	Min. to Open $2,500.00	Dividend Rate 0.70%	APY** 0.70%
Term 60 Months	Min. to Open $2,500.00	Dividend Rate 0.90%	APY** 0.90%
Term 72 Months	Min. to Open $2,500.00	Dividend Rate 1.00%	APY** 1.01%

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Certificates & IRA Certificates* with Balance of $25,000 - $500,000

Term	Min. to Open	Dividend Rate	APY**
Please visit your local branch to open IRA Certificates. *APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Rates effective as of 5/25/2021. Rates subject to change without notice.
Term 3 Months	Min. to Open $25,000.00	Dividend Rate 0.15%	APY** 0.15%
Term 6 Months	Min. to Open $25,000.00	Dividend Rate 0.25%	APY** 0.25%
Term 9 Months	Min. to Open $25,000.00	Dividend Rate 0.30%	APY** 0.30%
Term 12 Months	Min. to Open $25,000.00	Dividend Rate 0.50%	APY** 0.50%
Term 24 Months	Min. to Open $25,000.00	Dividend Rate 0.55%	APY** 0.55%
Term 36 Months	Min. to Open $25,000.00	Dividend Rate 0.70%	APY** 0.70%
Term 48 Months	Min. to Open $25,000.00	Dividend Rate 0.70%	APY** 0.70%
Term 60 Months	Min. to Open $25,000.00	Dividend Rate 0.90%	APY** 0.90%
Term 72 Months	Min. to Open $25,000.00	Dividend Rate 1.00%	APY** 1.01%

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Special Certificates

Term	Min. to Open	Dividend Rate	APY*
*APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Rates effective as of 5/25/2021. Rates subject to change without notice.
Term 36 Month Savings Builder	Min. to Open $100.00	Dividend Rate 0.60%	APY* 0.60%

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Mortgages

We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans.

Please visit our Mortgage Center for today’s rates and to apply for a loan.

Home Equity Loans & Lines of Credit

Savings Type	Minimum Loan	APR as Low As	Approximate monthly payment*
Monthly payment estimates based on a $25,000.00 Home Equity Loan. Rates effective as of 05/25/2021. Rates subject to change without notice. *The Home Equity 10 yr Balloon contains a balloon provision. This means that even if you make all payments in full and on time, the loan will not be paid in full by the end of the final payment date. A single balloon payment covering the remaining outstanding balance will be due and payable. Only 2nd position lien loans qualify. Loan payment example is based on a $10,000 loan amount.
Savings Type Home Equity Easy Payment Line	Minimum Loan $10,000.00	APR as Low As 3.00%	Approximate monthly payment* Varies
Savings Type Home Equity Fixed 10-Year Balloon Loan**	Minimum Loan $10,000.00	APR as Low As 4.50%	Approximate monthly payment* $50.69 (119 pmts. of $50.69 & 1 Balloon pmt. of $8,058.05)
Savings Type Home Equity Fixed Rate Loan - 5 Year Term	Minimum Loan $10,000.00	APR as Low As 4.15%	Approximate monthly payment* $184.84
Savings Type Home Equity Fixed Rate Loan - 10 Year Term	Minimum Loan $10,000.00	APR as Low As 4.40%	Approximate monthly payment* $103.16
Savings Type Home Equity Fixed Rate Loan - 15 Year Term	Minimum Loan $10,000.00	APR as Low As 4.90%	Approximate monthly payment* $78.56
Savings Type Home Equity Fixed Rate Loan - 20 Year Term	Minimum Loan $10,000.00	APR as Low As 5.40%	Approximate monthly payment* $68.23

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Visa® Credit Cards

Credit Card	APR as Low As
Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. Not all applicants will qualify for the lowest rate. Foreign transaction fee. Rates as of 5/25/2021. View Visa Terms & Conditions
Credit Card Visa Platinum Card	APR as Low As 8.99%
Credit Card Visa Secured Card	APR as Low As 17.99%

Credit Card

APR as Low As

Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. Not all applicants will qualify for the lowest rate. Foreign transaction fee. Rates as of 5/25/2021.

View Visa Terms & Conditions

Credit Card

Visa Platinum Card

APR as Low As

8.99%

Credit Card

Visa Secured Card

APR as Low As

17.99%

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New and Used Auto Loans - Cars, Trucks, Vans, Motorcycles, and RVs

Term	APR* as low as	Approximate monthly payment**
Rates are effective as of 5/25/2021. Rates subject to change without notice. APR = Annual Percentage Rate. APR reflects a .25% discount with automatic payments from a NextMark checking account. *For 36 and 60 months, payment estimates based on a $15,000 auto loan. 72 month payment estimate based on minimum $20,000. 84 month payment estimate based on minimum $25,000.
Term 36 Months	APR* as low as 1.99%	Approximate monthly payment** $429.57
Term 60 Months	APR* as low as 2.29%	Approximate monthly payment** $264.82
Term 72 Months	APR* as low as 2.49%	Approximate monthly payment** $299.33
Term 84 Months	APR* as low as 4.25%	Approximate monthly payment** $344.60

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Signature (Personal Loan)

Terms Up To	APR as Low As*	Approximate monthly payment**
APR=Annual Percentage Rate. APR reflects a .25% discount with automatic payments from a NextMark checking account. *Monthly payment estimates based on a $5,000.00 signature loan. Rates are effective as of 5/25/2021. Rates subject to change without notice.
Terms Up To 12 Months	APR as Low As* 8.99%	Approximate monthly payment** $437.23
Terms Up To 24 Months	APR as Low As* 9.24%	Approximate monthly payment** $228.97
Terms Up To 36 Months	APR as Low As* 9.49%	Approximate monthly payment** $160.14
Terms Up To 48 Months	APR as Low As* 10.00%	Approximate monthly payment** $126.81
Terms Up To 60 Months	APR as Low As* 10.50%	Approximate monthly payment** $107.47

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NextLine - Personal Line of Credit

Terms Up To	Minimum credit limit	Maximum credit limit	APR as Low As
Rates are effective as of 5/25/2021. Rates subject to change without notice.
Terms Up To Open End	Minimum credit limit $500	Maximum credit limit $5,000	APR as Low As 8.49%

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