Rates | NextMark Credit Union

Simply Free, 50 Prestige, Direct Pay, & Pinnacle Checking

Checking Type	Min. to Open	Dividend Rate	APY*
APY = Annual Percentage Yield. Rates are effective as of 5/1/2024. *Pinnacle Checking has a $9.00 per month charge if balance falls below $1,500.00. Rates may change without notice. Fees may reduce earnings on accounts.
Checking Type Simply 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%
Checking Type Pinnacle Checking	Min. to Open $0	Dividend Rate 0.05%	APY* 0.05%**
Checking Type Pinnacle Checking	Min. to Open $1,500	Dividend Rate 0.10%	APY* 0.10%**

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Savings Accounts

Savings Type	Min. to Open	Dividend Rate	APY*
APY=Annual Percentage Yield. Rates are effective as of 5/1/2024. Rates subject to change without notice. Fees may reduce earnings on accounts. APY is accurate as of the last dividend declaration date. Holiday Club accounts offer a withdrawal period of November 15th through January 31st of each year. **Please 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 0.50%	APY* 0.50%
Savings Type Regular Savings with Balance of $500 - $24,999.99	Min. to Open $5.00	Dividend Rate 0.50%	APY* 0.50%
Savings Type Regular Savings with Balance of $25,000 - $500,000	Min. to Open $5.00	Dividend Rate 0.50%	APY* 0.50%
Savings Type Vacation, Holiday Club**, Pledge & Extra Share with Balance of $0 - $99.99	Min. to Open $0	Dividend Rate 0.00%	APY* 0.00%
Savings Type Vacation, Holiday Club**, Pledge & Extra Share with Balance of $100 - $500,000	Min. to Open $0	Dividend Rate 0.10%	APY* 0.10%
Savings Type Roth IRA*** with Balance up to $500,000	Min. to Open $1.00	Dividend Rate 0.15%	APY* 0.15%
Savings Type Traditional IRA*** with Balance up to $500,000	Min. to Open $1.00	Dividend Rate 0.15%	APY* 0.15%
Savings Type Coverdell ESA*** 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 5/1/2024. Rates subject to change without notice. Fees may reduce earnings on accounts. Variable rate account, dividend rates may change after account opening. For any withdrawal from your Money Market Plus account in excess of 3 per month, you will be charged a fee as stated in the fee schedule*. The minimum amount of each withdrawal is $100.
Balance $2,500-$9,999	Dividend Rate* 1.00%	APY** 1.00%
Balance $10,000-$24,999	Dividend Rate* 1.29%	APY** 1.30%
Balance $25,000-$99,999	Dividend Rate* 1.54%	APY** 1.55%
Balance $100,000-$500,000	Dividend Rate* 1.79%	APY** 1.80%

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NextLine - Personal Line of Credit Tied to your Checking Account

Terms Up To	Minimum credit limit	Maximum credit limit	APR as Low As
APR=Annual Percentage Rate. Rate as of 10/1/2024. The rate is variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. Fees could be imposed. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Terms Up To Open End	Minimum credit limit $500	Maximum credit limit $5,000	APR as Low As 13.24%

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Certificates and IRA* Certificates with Balances of $100,000 and Above

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. Fees could reduce earnings. Rates effective as of 9/25/2024. Rates subject to change without notice.¹If you wish to open a new 24 month certificate, we are currently offering the Bump-Up Twice option. Current 24 month certificate holders will be rolled into the same product upon maturity.
Term 3 Months	Min. to Open $100,000	Dividend Rate 2.72%	APY** 2.75%
Term 6 Month Propel 100	Min. to Open $100,000	Dividend Rate 2.96%	APY** 3.00%
Term 9 Month Explore 100	Min. to Open $100,000	Dividend Rate 4.17%	APY 4.25%**
Term 12 Month Thrive 100	Min. to Open $100,000	Dividend Rate 4.41%	APY 4.50%**
Term 24 Months¹	Min. to Open $100,000	Dividend Rate 3.93%	APY** 4.00%
Term 36 Months	Min. to Open $100,000	Dividend Rate 3.78%	APY** 3.85%
Term 48 Months	Min. to Open $100,000	Dividend Rate 3.78%	APY** 3.85%
Term 60 Months	Min. to Open $100,000	Dividend Rate 3.78%	APY** 3.85%
Term 72 Months	Min. to Open $100,000	Dividend Rate 3.78%	APY** 3.85%

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Certificates & IRA Certificates* with Balances $25,000 - $99,999.99

Product	Min. to Open	Dividend Rate	APY*
*APY=Annual Percentage Yield. Penalty fees will be incurred for early withdrawals. Fees could reduce earnings. Rates subject to change without notice. Rates effective 9/25/2024. ¹If you wish to open a new 24 month certificate, we are currently offering the Bump-Up Twice option. Current 24 month certificate holders will be rolled into the same product upon maturity.
Product 3 Months	Min. to Open $25,000	Dividend Rate 2.22%	APY* 2.25%
Product 6 Month Propel 25	Min. to Open $25,000	Dividend Rate 2.47%	APY* 2.50%
Product 9 Month Explore 25	Min. to Open $25,000	Dividend Rate 3.69%	APY* 3.75%
Product 12 Month Thrive 25	Min. to Open $25,000	Dividend Rate 3.93%	APY* 4.00%
Product 24 Months¹	Min. to Open $25,000	Dividend Rate 3.45%	APY* 3.50%
Product 36 Months	Min. to Open $25,000	Dividend Rate 3.30%	APY* 3.35%
Product 48 Months	Min. to Open $25,000	Dividend Rate 3.30%	APY* 3.35%
Product 60 Months	Min. to Open $25,000	Dividend Rate 3.30%	APY* 3.35%
Product 72 Months	Min. to Open $25,000	Dividend Rate 3.30%	APY* 3.35%

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Certificates & IRA Certificates* with Balances of $2,500 - $24,999.99

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. Fees could reduce earnings. Rates effective as of 9/25/2024. Rates subject to change without notice. ¹If you wish to open a new 24 month certificate, we are currently offering the Bump-Up Twice option. Current 24 month certificate holders will be rolled into the same product upon maturity.
Term 3 Months	Min. to Open $2,500	Dividend Rate 1.00%	APY** 1.00%
Term 6 Month Propel	Min. to Open $2,500	Dividend Rate 1.98%	APY** 2.00%
Term 9 Month Explore	Min. to Open $2,500	Dividend Rate 3.20%	APY** 3.25%
Term 12 Month Thrive	Min. to Open $2,500	Dividend Rate 3.45%	APY 3.50%**
Term 24 Months¹	Min. to Open $2,500	Dividend Rate 2.96%	APY** 3.00%
Term 36 Months	Min. to Open $2,500	Dividend Rate 2.81%	APY** 2.85%
Term 48 Months	Min. to Open $2,500	Dividend Rate 2.81%	APY** 2.85%
Term 60 Months	Min. to Open $2,500	Dividend Rate 2.81%	APY** 2.85%
Term 72 Months	Min. to Open $2,500	Dividend Rate 2.81%	APY** 2.85%

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IRA Certificates* with Balances of $500 - $2,499.99

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. Fees could reduce earnings. Rates effective as of 9/25/2024. Rates subject to change without notice.
Term 3 Months	Min. to Open $500	Dividend Rate 0.90%	APY** 0.90%
Term 6 Months	Min. to Open $500	Dividend Rate 1.88%	APY** 1.90%
Term 9 Months	Min. to Open $500	Dividend Rate 3.11%	APY** 3.15%
Term 12 Months	Min. to Open $500	Dividend Rate 3.35%	APY** 3.40%
Term 24 Months	Min. to Open $500	Dividend Rate 2.87%	APY** 2.90%
Term 36 Months	Min. to Open $500	Dividend Rate 2.72%	APY** 2.75%
Term 48 Months	Min. to Open $500	Dividend Rate 2.72%	APY** 2.75%
Term 60 Months	Min. to Open $500	Dividend Rate 2.72%	APY** 2.75%
Term 72 Months	Min. to Open $500	Dividend Rate 2.72%	APY** 2.75%

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 9/25/2024. Rates subject to change without notice.
Term 36 Months	Min. to Open $100	Dividend Rate 1.98%	APY** 2.00%

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Mortgages

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

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Home Equity Loans & Lines of Credit

Loan Type	APR as Low As	Approximate monthly payment*
APR=Annual Percentage Rate. ¹Variable rate product. Rate is tied to the Wall Street Journal Prime rate. Monthly payment estimates based on a $25,000.00. Minimum loan amount for home equity loans and lines of credit is $10,000. Rates effective as of 9/19/2024. 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 $25,000 loan amount.
Loan Type Home Equity Easy Payment Line (30-year term)¹	APR as Low As 7.75%	Approximate monthly payment* Varies (On a $25,000 draw, your estimated monthly payment would be $225).
Loan Type Home Equity Easy Payment Line (40-year term)¹	APR as Low As 8.00%	Approximate monthly payment* Varies (On a $25,000 draw, your estimated monthly payment would be $200).
Loan Type Home Equity Fixed 10-Year Balloon Loan**	APR as Low As 8.00%	Approximate monthly payment* $183.54* (119 pmts. of $183.54 & 1 Balloon pmt. of $22,113.32)
Loan Type Home Equity Fixed Rate Loan - 5 Year Term	APR as Low As 6.99%	Approximate monthly payment* $494.96*
Loan Type Home Equity Fixed Rate Loan - 10 Year Term	APR as Low As 7.50%	Approximate monthly payment* $296.82*
Loan Type Home Equity Fixed Rate Loan - 15 Year Term	APR as Low As 8.15%	Approximate monthly payment* $241.16*
Loan Type Home Equity Fixed Rate Loan - 20 Year Term	APR as Low As 8.50%	Approximate monthly payment* $217.05*

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Visa® Credit Cards

Account	APR as low as
APR=Annual Percentage Rate. Rate effective as of 5/1/2024. Not all applicants qualify for lowest loan rate. Rate based on credit worthiness. All programs, rates, terms, and conditions are subject to change without notice. Interest rate is variable and based on the Wall Street Journal Prime Rate. A 3% or $5 fee (whichever is greater) of the balance transfer or cash advance amount will be imposed. View Visa Terms & Conditions
Account Visa^® Platinum Rewards	APR as low as 14.24%
Account Visa^® Secured	APR as low as 18.00%

Account

APR as low as

APR=Annual Percentage Rate. Rate effective as of 5/1/2024. Not all applicants qualify for lowest loan rate. Rate based on credit worthiness. All programs, rates, terms, and conditions are subject to change without notice. Interest rate is variable and based on the Wall Street Journal Prime Rate. A 3% or $5 fee (whichever is greater) of the balance transfer or cash advance amount will be imposed.

View Visa Terms & Conditions

Account

Visa^® Platinum Rewards

APR as low as

14.24%

Account

Visa^® Secured

APR as low as

18.00%

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

Term	APR¹ as low as	Approximate monthly payment²
Rates are effective as of 9/25/2024. Rates subject to change without notice. ¹APR = Annual Percentage Rate. APR reflects a .25% discount with automatic payments from a NextMark checking account. Rates based on credit worthiness. ²For 36, 48, 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	APR¹ as low as 5.09%	Approximate monthly payment² $462.12
Term 48 Months	APR¹ as low as 5.39%	Approximate monthly payment² $357.34
Term 60 Months	APR¹ as low as 5.39%	Approximate monthly payment² $293.36
Term 72 Months	APR¹ as low as 5.79%	Approximate monthly payment² $336.05
Term 84 Months	APR¹ as low as 6.49%	Approximate monthly payment² $377.04

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New and Used Electric Vehicle* Loans

Term	APR¹ as low as	Approximate monthly payment²
Rates are effective as of 9/25/2024. Rates subject to change without notice. *Electric Vehicles must possess the Plug-In feature with an external charging source. This includes Electric Vehicles (EVs), Plug-in Hybrid Electric Vehicles (PHEVs), and Electric Plug-in Motorcycles. ¹APR = Annual Percentage Rate. APR reflects a .25% discount with automatic payments from a NextMark checking account and a .25% discount for electric vehicles. Rates based on credit worthiness. ²For 36, 48, 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. The 96 month term requires a $50,000 minimum loan balance.
Term 36 Months	APR¹ as low as 4.84%	Approximate monthly payment² $460.39
Term 48 Months	APR¹ as low as 5.14%	Approximate monthly payment² $355.59
Term 60 Months	APR¹ as low as 5.14%	Approximate monthly payment² $291.59
Term 72 Months	APR¹ as low as 5.54%	Approximate monthly payment² $333.66
Term 84 Months	APR¹ as low as 6.24%	Approximate monthly payment² $373.98
Term 96 Months	APR¹ as low as 7.24%	Approximate monthly payment² $693.18

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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. Loan maximum is $50,000. *Monthly payment estimates based on a $5,000.00 signature loan. Rates are effective as of 9/25/2024. Rates subject to change without notice.
Terms Up To 12 Months	APR as Low As* 9.74%	Approximate monthly payment** $439.05
Terms Up To 24 Months	APR as Low As* 9.99%	Approximate monthly payment** $230.77
Terms Up To 36 Months	APR as Low As* 10.24%	Approximate monthly payment** $161.95
Terms Up To 48 Months	APR as Low As* 10.75%	Approximate monthly payment** $128.67
Terms Up To 60 Months	APR as Low As* 11.25%	Approximate monthly payment** $109.38

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NextLine - Personal Line of Credit Tied to your Checking Account

Terms Up To	Minimum credit limit	Maximum credit limit	APR as Low As
APR=Annual Percentage Rate. Rate as of 10/1/2024. The rate is variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. Fees could be imposed. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Terms Up To Open End	Minimum credit limit $500	Maximum credit limit $5,000	APR as Low As 13.24%

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