Current Loan Rates for Natco Members

Rates effective as of January 1, 2020

Type	Term	As Low As
Vehicle loans – new or used	Varies	2.96% APR*
Boats and motor homes	Varies	2.96% APR*
Personal loans	Varies	9.99% APR*
Personal line of credit***	Based on prime +/- margin	8.75% APR*
Personal property	Varies	9.95% APR*
FREEDOM Fast	Varies	21.00% APR*
Home equity loan program ** H.E.L.P. loans are open-end variable rate lines of credit	Based on prime +/- margin	4.75% APR*
Secured Visa Credit Card	–	19.20% APR*
Simple Visa Credit Card	–	10.20% – 21.20% APR*
Rewards Visa Credit Card	–	12.20% – 23.20% APR*

*APR is the Annual Percentage Rate.
Terms and conditions are subject to change without notice.
Subject to credit approval.
Rate may vary based on individual creditworthiness.

**Rates vary according to the market based on Prime Rate.
Minimum Annual Percentage Rate (floor rate) is 5.50% APR for all variable rate loans.
Maximum APY is Based on prime +/- margin.

***Rates vary according to the market based on Prime Rate.
Minimum Annual Percentage Rate (floor rate) is 9.50% APR* for all variable rate loans.
Maximum APY is Based on prime +/- margin.

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Kasasa Cash*	Dividend Rate	APY**
$0.01 – $10,000	2.472%	2.50%
$10,000.01 +	0.50%	0.50 to 2.50%
If qualifications are not met	0.10%	0.10%

Kasasa Cash*

Dividend Rate

APY**

$0.01 – $10,000

2.472%

2.50%

$10,000.01 +

0.50%

0.50 to 2.50%

If qualifications are not met

0.10%

Kasasa Saver*	Dividend Rate	APY**
$0.01 – $10,000	0.995%	1.00%
$10,000.01 +	0.50%	0.50 to 1.00%
If qualifications are not met	0.10%	0.10%

Kasasa Saver*

Dividend Rate

APY**

$0.01 – $10,000

0.995%

1.00%

$10,000.01 +

0.50%

0.50 to 1.00%

If qualifications are not met

0.10%

Other Share Accounts	Minimum Balance	APY
Regular Shares	$5.00 – $100.00	0.05%
	$100.01 – $1,000.00	0.10%
	$1,000.00 +	0.20%
Christmas Club*	No minimum balance	0.20%
Vacation Club*	No minimum balance	0.20%
Special Savings	No minimum balance	0.20%
Morey the Moose Kids Savings	No minimum balance	0.20%
IRA Shares*	No minimum balance	0.30%

Other Share Accounts

Minimum Balance

APY

Regular Shares

$5.00 – $100.00

0.05%

$100.01 – $1,000.00

0.10%

$1,000.00 +

0.20%

Christmas Club*

No minimum balance

0.20%

Vacation Club*

No minimum balance

0.20%

Special Savings

No minimum balance

0.20%

Morey the Moose Kids Savings

No minimum balance

0.20%

IRA Shares*

No minimum balance

0.30%

Certificates*	Minimum Balance	APY
3 month certificate	$1,000.00	0.25%
6 month certificate	$1,000.00	0.50%
12 month certificate	$1,000.00	0.75%
18 month certificate	$1,000.00	0.85%
12 month Save to Win certificate	$25	0.85%
12 month Morey the Moose Kid’s Club certificate	$500.00	0.85%
12 month Simple Saver certificate	$500.00	0.75%
18 month IRA certificate	$1,000.00	0.95%
18 month Roth IRA certificate	$1,000.00	0.95%
18 month Roth Conversion IRA certificate	$1,000.00	0.95%

Certificates*

Minimum Balance

APY

3 month certificate

$1,000.00

0.25%

6 month certificate

$1,000.00

0.50%

12 month certificate

$1,000.00

0.75%

18 month certificate

$1,000.00

0.85%

12 month Save to Win certificate

$25

0.85%

12 month Morey the Moose Kid’s Club certificate

$500.00

0.85%

12 month Simple Saver certificate

$500.00

0.75%

18 month IRA certificate

$1,000.00

0.95%

18 month Roth IRA certificate

$1,000.00

0.95%

18 month Roth Conversion IRA certificate

$1,000.00

0.95%

Money Market Accounts*	Minimum Balance	APY
	$2,500.00 – $9,999.99	0.35%
	$10,000.00 – $24,999.00	0.35%
	$25,000.00 – $49,999.99	0.40%
	$50,000.00 and above	0.40%

Money Market Accounts*

Minimum Balance

APY

$2,500.00 – $9,999.99

0.35%

$10,000.00 – $24,999.00

0.35%

$25,000.00 – $49,999.99

0.40%

$50,000.00 and above

0.40%

Current Loan Rates for Natco Members

Current Savings Rates for Natco Members

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