Rates

Our Current Rates 

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are effective as of November 16, 2022. Fees may reduce earnings. Rates are subject to change without notice.

TierDividend RateAPY
0 to $1,0000.00%0.00%
$1,0000.30%0.30%
AccountDividend RateAPY
Member Savings (Dividends paid on account balance over $200)0.08%0.08%
IRAs - Traditional (no income limitations)0.80%0.80%
IRAs - ROTH (income limitations)0.80%0.80%
Coverdell Education Savings0.80%0.80%
Dividends are paid on a monthly basis.

A Share Savings balance of $10 is required to maintain a credit union membership.

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% or a rate of 4% – whichever is higher. 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.

Share Certificates

TermDividend RateAPY
6 Mo (500-24,999)0.50%0.50%
6 Mo (25,000-74,999)0.60%0.60%
6 Mo (75,000+)0.70%0.70%
12 Mo (1,000-24,999)0.85%0.85%
12 Mo (25,000-74,999)0.95%0.95%
12 Mo (75,000+)1.05%1.06%
24 Mo (1,000-24,999)1.00%1.01%
24 Mo (25,000-74,999)1.10%1.11%
24 Mo (75,000+)1.20%1.21%
36 Mo (1,000-24,999)1.25%1.26%
36 Mo (25,000-74,999)1.35%1.36%
36 Mo (75,000+)1.45%1.46%

A minimum deposit of $500.00 is required to open a certificate with a term of 6 months.

A minimum deposit of $1,000.00 is required to open a certificate with a term greater than 6 months.

Ninty (90) day interest penalty on early withdrawals from a 6 month certificate. One Hundred Eighty (180) day interest penalty on early withdrawals from certificates with a term greater than 6 months.

Dividends are paid monthly.

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% or a rate of 4% – whichever is higher. 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.

*NSP Credit Union is currently offering no CD specials.

Auto / RV / Boat Loans

Loan TypeTermAPR
New (2021-2022)
As Low As
APR
Used (2020 & Older)
As Low As
Car, Truck, Motorcycle, Boat, Motor Home or RV***36 Months3.25%4.25%
Car, Truck, Motorcycle, Boat, Motor Home or RV***48 Months3.75%4.75%
Car, Truck, Motorcycle, Boat, Motor Home or RV***60 Months4.25%5.25%
Car, Truck, Motorcycle, Boat, Motor Home or RV***72 Months4.75%5.75%
Car, Truck, Motorcycle, Boat, Motor Home or RV***84 Months5.25%N/A
Snowmobile, Jet Ski or ATV*** (2018 - 2022)Up to 72 Months5.25% N/A
Used Snowmobile, Jet Ski or ATV*** (2017 & Older)Up to 60 MonthsN/A6.75%
***Disclosed rate is the lowest rate available. Actual rate will be based on credit score.

Personal Loans

Loan TypeAPRTerm
Fine Line of Credit (Overdraft Protection)12.90%Up to 24 Months
Personal Signature up to $20,000***9.50%24 Months
Personal Signature up to $20,000***10.00%48 Months
Personal Signature up to $20,000***10.50%60 Months
VISA® Platinum Credit Card (No annual fee, 5 day grace period)7.90%N/A
***Disclosed rate is the lowest rate available. Actual rate will be based on credit score.

Share and CD Secured – Up to 60 Months: The annual percentage rate, which is given at the time the loan is advanced, will be the dividend rate being paid on regular shares or CD secured on the date of the advance plus 2% or a rate of 4%, whichever is higher. The share or CD balance will be pledged until the loan is repaid.

Home Equity Line of Credit

Loan TypeAPRTerm
Home Equity Line of Credit 80% LTV 10 Year Term***7.75%120 Months
Home Equity Line of Credit 80% LTV 15 Year Term***8.00%180 Months
Conventional Mortgages: Please call us at 651-228-7668, opt. 2 to hear about options for these real estate products.

***Disclosed rate is the lowest rate 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 18%. Call the credit union for more information.

Loan Discounts may be granted by selecting from two of the following three choices: (1) 0.25% discount for a BaZing checking account, (2) 0.25% discount for an active VISA® credit card through the Credit Union, or (3) 0.25% discount for autopay.