APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of July 18, 2018. Fees may reduce earnings. Rates are subject to change without notice.

Kasasa Cash*Learn More

Tier Dividend Rate APY
0 to $7,500 1.98% 2.00%
$7,500+ 0.10% 2.00% to 0.22%
Qualifications not met 0.05% 0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 bill pay or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking
  • Have at least one Direct Deposit

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning really high dividends and nationwide ATM fee refunds the very next month.

Savings Accounts

Account Dividend Rate APY
Member Savings (Dividends paid on account balance over $200) 0.08% 0.08%
IRAs 0.80% 0.80%
Coverdell Education Savings 0.80% 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 CertificatesLearn More

Term Dividend Rate APY
6 Months 0.30% 0.30%
12 Months 0.40% 0.40%
24 Months 0.65% 0.65%
36 Months 1.00% 1.00%
60 Months 1.75% 1.76%
IRA Traditional 18 Months 0.80% 0.80%
IRA Traditional 24 Months 1.00% 1.00%
IRA Traditional 36 Months 1.40% 1.41%

 

A minimum 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 (45) day interest penalty on early withdrawals from a 6 month certificate. Ninety day (90) 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 not currently offering any CD specials.

Auto/RV/Boat LoansLearn More

Loan Type Term APR
New (2017-2018)
APR
Used (2016 & Older)
Car, Truck, Motorcycle, Boat, Motor Home or RV*** 36 Months 2.25% 3.00%
Car, Truck, Motorcycle, Boat, Motor Home or RV*** 48 Months 2.75% 3.50% 
Car, Truck, Motorcycle, Boat, Motor Home or RV*** 60 Months 3.25% 4.00%
Car, Truck, Motorcycle, Boat, Motor Home or RV*** 72 Months 3.75% 4.50%
Car, Truck, Motorcycle, Boat, Motor Home or RV*** 84 Months  4.25% N/A
Snowmobile, Jet Ski or ATV*** (2014 - 2018) Up to 72 Months 4.25% (2014 and Newer) N/A
Used Snowmobile, Jet Ski or ATV*** (2013 & Older) Up to 60 Months N/A 5.50% (2013 & Older)

 

***Disclosed rate is the lowest rate available. Actual rate will be based on credit score.

Personal LoansLearn More

Loan Type APR Term
Fine Line of Credit (Overdraft Protection) 12.90% Up to 24 Months
Personal Signature up to $20,000*** 8.50% 24 Months
Personal Signature up to $20,000*** 9.00% 48 Months
Personal Signature up to $20,000*** 9.50% 60 Months
VISA® Classic Credit Card (No annual fee, 25 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 CreditLearn More

Loan Type APR Term
Home Equity Line of Credit 80% LTV 10 Year Term*** 5.75% 120 Months
Home Equity Line of Credit 80% LTV 15 Year Term*** 6.00% 180 Months

 

Conventional Mortgages: Please call us at 651.229.2226 or 651.229.5545

***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 Kasasa checking account, (2) 0.25% discount for an active VISA® credit card through the Credit Union, or (3) 0.25% discount for autopay.