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Loans | Savings | Certificates
Rates effective 09-09-2009
| Loans |
*APR |
Term |
Calculator |
| |
AS LOW AS
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| 2009-2010 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 36 Months*** |
3.50 |
36 |
Calculator |
| 2009-2010 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 48 Months*** |
4.25 |
48 |
Calculator |
| 2009-2010 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 60 Months*** |
4.50 |
60 |
Calculator |
| 2009-2010 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 72 Months*** |
4.75 |
72 |
Calculator |
| 2009-2010 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 84 Months*** |
5.50 |
84 |
Calculator |
| 2004-2009 Car, Truck, Motorcycle, Boat, Motor Home or RV 36 Months*** |
3.75 |
36 |
Calculator |
| 2004-2009 Car, Truck, Motorcycle, Boat, Motor Home or RV 48 Months*** |
4.50 |
48 |
Calculator |
| 2004-2009 Car, Truck, Motorcycle, Boat, Motor Home or RV 60 Months*** |
4.75 |
60 |
Calculator |
| 2004-2009 Car, Truck, Motorcycle, Boat, Motor Home or RV 72 Months*** |
5.75 |
72 |
Calculator |
| 2003 & Earlier Car, Truck, Motorcycle, Boat, Motor Home or RV 36 Months*** |
6.50 |
36 |
Calculator |
| 2003 & Earlier Car, Truck, Motorcycle, Boat, Motor Home or RV 48 Months*** |
7.50 |
48 |
Calculator |
| New Snowmobile, Jet Ski or ATV 0-60 Months Up To $20,000*** |
7.75 |
60 |
Calculator |
| Used Snowmobile, Jet Ski or ATV 0-48 Months Up to $15,000*** |
8.75 |
48 |
Calculator |
| Fine Line of Credit (Overdraft Protection) - *** |
12.90 |
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| Personal Signature up to $25,000.00 - 24 Months*** |
11.00 |
24 |
Calculator |
| Personal Signature up to $25,000.00 - 25 to 48 Months*** |
12.00 |
48 |
Calculator |
| Personal Signature up to $25,000.00 - 49 to 60 Months*** |
13.00 |
60 |
Calculator |
| VISA® Classic Credit Card (No annual fee, 25 day grace period) |
9.90 |
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| Stock Secured 75% of Stock Value - Up to 30 Months*** |
9.00 |
30 |
Calculator |
| Stock Secured 75% of Stock Value - 31 to 60 Months*** |
10.50 |
60 |
Calculator |
| Share and CD Secured - Up To 60 Months - See Below |
|
60 |
Calculator |
| Home Equity Line-of-Credit 80% LTV 10 Year Term*** |
**4.00 |
120 |
Calculator |
| Home Equity Line-of-Credit 80% LTV 15 Year Term*** |
**4.25 |
180 |
Calculator |
| Home Equity Closed-End 80% LTV 5 Year Term*** |
6.75 |
60 |
Calculator |
| Home Equity Closed-End 80% LTV 10 Year Term*** |
7.25 |
120 |
Calculator |
| Home Equity Closed-End 80% LTV 15 Year Term*** |
7.75 |
180 |
Calculator |
| Conventional Mortgages (Please call us at 651-229-2226 or 1-800-730-2626) |
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Calculator |
Share and CD Secured Advances: The Annual Percentage Rate will be the dividend rate being paid on regular Shares or the Certificate on the date of the advance plus 2%. You must keep the Shares or Certificate on deposit until the loan amount has been repaid. The Annual Percentage Rate you receive will be on the Disbursement Receipt given to you at the time the loan is taken.
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*APR is Annual Percentage Rate.
** Indicates Variable Rate.
*** Disclosed rates are the lowest rates available, actual rate will be based on credit score.
Rates are subject to change without notice. All loans are subject to credit approval.
Home loans may be subject to closing costs and appraisals.
Variable rate Home Equity loans are based on the Wall Street Journal Prime Rate.
Max APR 14%. Call the credit union for more information.
Loan Discounts may apply as follows: .25% discount for an active VISA® Credit card and
a .25% discount for an active Draft Account with N.S.P. St. Paul Credit Union.
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Rates effective 12-01-2009
|
Savings
|
Interest Rate
|
APY*
|
Term
|
|
Regular Shares
|
0.25
|
0.25
|
n/a
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| Bee"R"Saver (Ages 0-11) |
4.41 |
4.50 |
n/a |
| Super Saver Bee (Ages 12-14) |
4.41 |
4.50 |
n/a |
|
*APY is Annual Percentage Yield.
Rates are subject to change without notice.
Dividends are paid on a monthly basis.
A Share Savings balance of $10 is required to maintain a credit union membership.
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Rates effective 02-01-2010
| Certificates |
Interest Rate |
APY* |
Term |
| 6 Months |
0.90 |
0.90 |
6 |
| 12 Months |
1.29 |
1.30 |
12 |
| 24 Months |
1.53 |
1.55 |
24 |
| 36 Months |
1.93 |
1.95 |
36 |
| 60 Months |
2.37 |
2.40 |
60 |
| IRA Traditional 18 Months |
1.44 |
1.45 |
18 |
| IRA Traditional 24 Months |
1.53 |
1.55 |
24 |
| IRA Traditional 36 Months |
1.93 |
1.95 |
36 |
| IRA Roth |
1.44 |
1.45 |
n/a |
| IRA Educational |
1.44 |
1.45 |
n/a |
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*APY is Annual Percentage Yield. Rates are subject to change without notice.
A minium deposit of $500.00 is required to open a certificate with a term of 6 months.
A minimum deposit of $1000.00 is required to open a certificate with a term greater than 6 months.
Forty five day interest penalty on early withdrawals from a 6 month certificate.
Ninety day interest penalty on early withdrawals from certificates with a term greater than 6 months.
Dividends are paid monthly.
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