National Police Credit Union Interest Rates

Current as of June 1, 2018*

Savings

Share Savings Account

$100 - $2,999.99 ----- 0.03% APY**

$3,000 - $24,999.99 ----- 0.05% APY** 

$25,000+ ----- 0.09% APY**

Christmas Savers Account1 -----  0.15% APY**

Money Market Accounts

$0 - $24,999 ----- 0.25% APY**

$25,000 - $49,999 ----- 0.31% APY**

$50,000+ ----- 0.37% APY**

Restrictions apply2

Share Certificates

6 Month-Term ----- 1.05% APY**

12 Month-Term ----- 1.36% APY**

24 Month-Term ----- 1.86% APY**

36 Month-Term ----- 2.27% APY**

Restrictions apply3

IRAs

Share IRA ----- 0.50% APY**

12 Month-Term ----- 1.51% APY**

24 Month-Term ----- 2.02% APY**

36 Month-Term ----- 2.52% APY**

Restrictions apply4

Checking Account

Premium Checking ($1,000+) ----- 0.25% APY**

Standard Checking ----- 0.00% APY**

Loans and Credit Cards

Loan Rates

New Auto ----- 1.49% - 16.99% APR**

Used Auto ----- 1.49% - 17.24% APR**

Signature Loans ----- 5.90% - 17.90% APR**

New Motorcycle ----- 3.49% - 13.49% APR**

Used Motorcycle ----- 3.49% - 13.49% APR**

New Boat ----- 5.99% - 14.49% APR**

Used Boat ----- 5.99% - 14.49% APR**

Tuition Loans ----- 5.90% - 7.90% APR**

Student Loans ----- 5.90% - 7.90% APR**

Share Secured Loans (Variable Rate Adjusted Periodically) ----- 2.72% APR**

Credit Builder Loans ----- 12.90% APR** 

Mortgage Loans ----- Market Rates 

Home Equity Line of Credit (Variable Rate Adjusted Quarterly) ----- 4.75% APR**

Fixed Rate Home Equity Loans ----- 2.99% - 6.99% APR** 

Member Business Lending ----- Market Rates

Visa Cards

VISA Copper Cash Back ----- 8.90% - 16.90% APR**

VISA Blue Line Rewards ----- 10.90% - 16.90% APR**

 VISA Silver Low Rate ----- 7.90% - 16.90% APR**

VISA Classic ----- 16.90% APR**

VISA Secured ----- 14.90% APR** 

VISA Student ----- 14.90% APR** 

VISA Seasonal Credit Card ----- 16.90% APR**

Restrictions apply5

*Rates subject to change without notice. Some restrictions apply. Contact National Police Credit Union for most current rates. Dividends computed based on daily balance and paid quarterly for all share products. Dividends posted on March 31st, June 30th, September 30th and December 31st.

**APY = Annual Percentage Yield/APR = Annual Percentage Rate.



  1. Early withdrawal penalty may apply. Funds available 10/1/18.
  2. Minimum initial deposit of $2,500 required. $15 per month fee if the average daily balance falls below $2,500. Limit of 6 withdrawals or transfers per month.
  3. Minimum deposit of $2,500 required. Non Compounding Certificates are available. Contact a National Police Credit Union representative for complete details. Early withdrawal penalty may apply.
  4. The minimum initial deposit is $25 for a Share IRA, $1,000 for a Traditional and Roth IRA, and $500 for an Educational IRA.
  5. Rate applies to purchases and cash advances, no annual fee, some restrictions apply.