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Loans | Savings | Certificates
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LENDING SERVICES
- Extended Terms & Vehicle Pre-approvals are available.
- Be sure to ask about our Extended Warranties & "GAP" Protection.
- Credit Life & Disability insurance is available on most loans.
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Loans
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APR*
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Autos: New to 2008
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3.49
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Calculator
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Autos: Used 2007-2004
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3.99
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Calculator
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Autos: Older Over 7 years
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4.99
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Calculator
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Motorcycles & Farm Equiptment: New
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3.99
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Calculator
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Motorcycles & Farm Equiptment: Used
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4.99
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Calculator
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Campers & Boats: New
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4.99
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Calculator
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| Campers & Boats: Used |
5.99
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Calculator
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Signature Loan
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7.99
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Calculator
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Personal Line-of-Credit
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11.50
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Calculator
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1st Mortgage: 10 Year, Fixed
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4.99
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Calculator
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1st Mortgage: 15 Year, Fixed
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5.99
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Calculator
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1st Mortgage: 20 Year, Fixed
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7.99
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Calculator
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1st Mortgage: 30 Year, ARM
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4.75
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Calculator
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Home Equity (Fixed Rate with Terms up to 10 years)
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4.50
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Calculator
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Mobile Homes
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7.49
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Calculator
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Property: Unimproved
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5.99
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Calculator
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Shared Secured (APR is added to the APY being earned by the securing shares)
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+2.50
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Calculator
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APR = Annual Percentage Rate. Rates are subject to change without notice.
*Rates are quoted "as low as" and may include a loyalty reduction of .25% by having an active New South checking account and electronic payroll deposit. Rates may very based on term and the credit union's merit-based lending policies.
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SAVINGS & CHECKING SERVICES
All deposits are federally insured up to $250,000 by the NCUA.
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Account Types
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Rate
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APY*
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TOTALLY FREE Checking
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.20
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.20
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Savings
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Primary Savings "Share Account"
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.50
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.50
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"Special" Savings & Accumulaton Accounts
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.50
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.50
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Money Market
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$ 2,500 to $ 9,999
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.65
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.65
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$ 10,000 to $ 24,999
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.65
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.65
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$ 25,000 to $ 99,999
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.75
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.75
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$100,000 or greater
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.75
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.75
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Club Accounts
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Christmas Club Balance transfersed to S-1 each Sept.30th
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2.97
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3.00
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Vacation Club Balance transfersed to S-1 each March 31st
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2.97
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3.00
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*APY = Annual Percentage Yield. Rates are subject to change without notice.
Minimum and maximum balance requirements may apply and effect the amount of interest earned. Please refer to your account agreement and truth-in-savings disclosures for complete details.
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INVESTMENT & RETIREMENT SERVICES
All deposits are federally insured up to $250,000 by the NCUA.
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Certificates
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Rate |
APY*
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Term
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6 Month
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.995
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1.00
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6
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1 Year
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1.24
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1.25
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12
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12 Month Accumulation CD
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.995
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1.00
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12
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18 Months
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1.24
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1.25
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18
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2 Year "Rate Climber" - You decide when to raise the rate
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1.24
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1.25
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24
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2 Year
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1.49
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1.50
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24
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3 Year "Rate Climber"- You decide when to raise the rate
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1.49
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1.50
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36
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3 Year
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1.73
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1.75
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36
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Let New South assist you with your retirement planning & 401K rollovers -
We have licensed investment professionals available for free consultations. Call the main office for an appointment.
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IRA's
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Traditional
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$ Up to $ 10,000
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0.75
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0.75
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$ 10,000 or greater
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.995 |
1.00 |
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12 Month IRA Certificate
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.995
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1.00
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12
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24 Month IRA Certificate
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1.48
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1.50
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24
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36 Month IRA Certificate
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1.73
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1.75
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36
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Roth
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.995
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1.00
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*APY = Annual Percentage Yield. Rates are subject to change without notice.
Minimum and maximum balance requirements may apply and effect the amount of interest earned. Please refer to your account agreement and truth-in-savings disclosures for complete details.
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