Savings Rates - as of 6/1/20

savings table
Type of AccountVariable Dividend RateAPY*Minimum Balance to Earn APY
Regular & Youth Shares0.01%0.01%$5 Adults /$5 Youth
Youth Savers Pro/Age 0 thru 110.01%0.01%$5.00
Youth Savers Pro/ Age 12 thru 220.01%0.01%$5.00 Rate requires Checking Acct
IRA0.01%0.01%None
Saver's Edge0.01%0.01%None
Saver's Edge0.01%0.01%$5,000.00
Saver's Edge0.01%0.01%$25,000.00
Saver's Edge0.01%0.01%$50,000.00
Saver's Edge0.01%0.01%$75,000.00
SmartSaver IRA0.01%0.01%None
SmartSaver IRA0.01%0.01%$5,000.00
SmartSaver IRA0.01%0.01%$25,000.00
SmartSaver IRA0.01%0.01%$50,000.00
SmartSaver IRA0.01%0.01%$75,000.00
Club Accounts0.01%0.01%None
MyFree Checking0.00%0.00%$10 to open; Debit Card; Valid e-mail address; Share Savings Account

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APY= Annual Percentage Yield. Rates are subject to change without notice. Important Notes: Fees could reduce the earnings on accounts. View a listing of current fees imposed by the Credit Union. There is a $10 minimum balance to open a checking account. On variable rate accounts the rate may change after the account is opened. Variable rates are accurate as of the date shown immediately above the respective rate table or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date shown immediately above the respective rate table.

Certificate Rates - as of 5/1/20

certificate table
RateAPYRateAPY
6 Months0.20%0.20%0.10%0.10%
12 Months0.40%0.40%0.30%0.30%
18 Months0.40%0.40%0.30%0.30%
24 Months0.40%0.40%0.30%0.30%
36 Months0.70%0.70%0.60%0.60%
48 Months0.70%0.70%0.60%0.60%
60 Months0.70%0.70%0.60%0.60%

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APY= Annual Percentage Yield. Rates are subject to change without notice. Important Notes: Fees could reduce the earnings on accounts. View a listing of current fees imposed by the Credit Union. On variable rate accounts, the rate may change after the account is opened. Variable rates are accurate as of the date shown immediately above the respective rate table or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date shown immediately above the respective rate table. 1) Relationship Certificate Rate requires a Share Account, a Certificate Account, a Checking Account with monthly Direct Deposit of $250 or more, plus a Loan Balance of $5,000 or more, in order to earn the Relationship Rate. IRA Certificate Accounts qualify for the Relationship Rate. $500.00 minimum opening balance for Coverdell Education Savings Account Certificates.A penalty may be charged for early withdrawal from Certificates. Contact a Service Representative for further information about applicable fees and terms. For current information, please call 516.742.4900.

3 One time Bump-up option during the term to change the dividend rate to the then current rate of the 24 Month or 36 Month Regular Certificate, as applicable. Request must be made in writing prior to maturity date.

Fixed $1,000 min***** Compounded Daily, Offer available 10/22/2018 through 12/21/2018.

 

Credit Card Rates - as of 4/27/20

credit_card table
Type of AccountAPR*Monthly Payment
Visa Platinumas low as 7.750%(sup)1(/sup)3% of balance, $25 min.
Visa Platinum Plusas low as 8.750%(sup)1(/sup)3% of balance, $25 min.
Secured Credit Cardas low as 9.490%3% of balance, $25 min.

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*APR = Annual Percentage Rate. 1Rate shown requires Direct Deposit OR AutoPay. Minimum line of credit $500; maximum line of credit $40,000. Get 1.75% APR fixed for the first 12 months, then the prevailing VISA Platinum Plus rate, which is variable and based on the Wall Street Journal Prime Rate plus a margin, based on creditworthiness, on the last business day of the month with a cap of 17.9%. Get 0% APR on all balance transfers for the first 12 months, then the prevailing VISA Platinum Plus rate. A 3% fee applies to all balance transfers. Minimum balance transfer is $1,000. All loan applications underwritten based on credit worthiness and other criteria. Nassau Financial’s cumulative unsecured loan &/or line of credit limit maximum is $40,000. rate offers subject to change without notice.


 

 

Consumer Loan Rates - as of 7/13/20

consumer table
Type of AccountMaximum TermAPR*
Signature Line of CreditN/Aas low as 7.500%
Signature Loan24-60 Monthsas low as 6.750%
Solar Loansup to 120 Monthsas low as 4.750%
Share Securedup to 120 Months3.5% + current Dividend Rate
Share Certificate Secured6 to 60 Months3.5% + Dividend Rate being earned on Certificate
New Auto (up to 90 % LTV)60 Monthsas low as 2.70%
New Auto (up to 90 % LTV)72 Monthsas low as 2.90%
New Auto (up to 90 % LTV)84 Monthsas low as 3.20%
New Auto (up to 90 % LTV)96 Monthsas low as 3.60%
Used Auto (up to 90 % LTV)60 Monthsas low as 2.85%
Used Auto (up to 90 % LTV)72 Monthsas low as 3.05%
Used Auto (up to 90 % LTV)84 Monthsas low as 3.35%
New Boat24 to 60 Monthsas low as 4.120%
New Boat72 Monthsas low as 4.240%
New Boat84 Monthsas low as 4.370%
Used Boat24 to 60 Monthsas low as 4.620%
Used Boat72 Monthsas low as 4.740%
Used Boat84 Monthsas low as 4.870%
New RV24 to 60 Monthsas low as 4.000%
New RV72 Monthsas low as 4.200%
New RV84 Monthsas low as 4.500%
Used RV24 to 60 Monthsas low as 4.200%
Used RV72 Monthsas low as 4.500%
Used RV84 Monthsas low as 4.950%
Extended New Boat120 Monthsas low as 4.490%
Extended New Boat180 Monthsas low as 4.620%
Extended New Boat240 Monthsas low as 4.740%
Extended Used Boat120 Monthsas low as 4.990%
Extended Used Boat180 Monthsas low as 5.120%
Extended Used Boat240 Monthsas low as 5.240%
Extended New RV120 Monthsas low as 5.500%
Extended New RV180 Monthsas low as 6.250%
Extended New RV240 Monthsas low as 6.500%
Extended Used RV120 Monthsas low as 5.900%
Extended Used RV180 Monthsas low as 6.500%
Extended Used RV240 Monthsas low as 6.900%
Motorcycle24 to 60 Monthsas low as 4.990%
Auto Refinanceup to 60 days payment deferral.(sup)5(/sup)

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New & Used Auto Loan Disclaimers
*APR=Annual Percentage Rate. All loan types, rates, terms and offers are based on applicant's credit history and are decisioned based on creditworthiness and other criteria. Other rates and terms available. Certain restrictions apply. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rate offers quoted, Terms & Conditions may change at anytime. Minimum loan amount on 96-month term is $50,000. Vehicles with commercial plates cannot be financed as a consumer auto loan. To qualify as new, vehicle must be current model year or one-year prior model with less than 5,000 miles. Auto Loan rates assume LTV 90% or less.
Boat Loan Disclaimers
*APR=Annual Percentage Rate. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms, as listed at NassauFinancial.org. New boat must be current model year or prior model year, untitled/undocumented. Used boat model cannot be more than 7 years old. Rates are subject to change without notice.
RV Loan Disclaimers
*APR=Annual Percentage Rate. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms, as listed at NassauFinancial.org. New RV must be current model year or prior model year, untitled/undocumented, with less than 5,000 miles. Used RV model cannot be more than 7 years old. Rates are subject to change without notice.
Signature Loan Disclaimers
*APR=Annual Percentage Rate. Offer for new signature loans (personal loans) at Nassau Financial only. Rate includes discounts for Auto Pay & Direct Deposit. Rates may be higher without AutoPay & Direct Deposit. Refinancing or payoff of outstanding balances at Nassau Financial is prohibited. All loan types, rates, terms and offers are based on applicant's credit history. Minimum loan amount is $1,000; maximum loan amount is $40,000. Nassau Financial’s cumulative unsecured loan &/or line of credit balance maximum is $40,000. Rate offer quoted, Terms & Conditions may change at any time.
Signature Line of Credit Disclaimers
*APR=Annual Percentage Rate. Rate includes discounts for Auto Pay & Direct Deposit. Rates may be higher without AutoPay & Direct Deposit. All loan types, rates, terms, and offers are based on applicant's credit history. **Minimum line amount is $500. Nassau Financial’s cumulative unsecured loan &/or line of credit balance maximum is $40,000. Rate offer quoted, Terms & Conditions may change at any time.
Solar Loans Disclaimers
*APR=Annual Percentage Rate. Rate includes discounts for Auto Pay & Direct Deposit. Other financing options available through NassauFinancial.org including home equity loans and lines of credit. Based on combined loan amounts. Rates, terms and conditions subject to change without notice. Offers of credit subject to credit history and other criteria.
Auto Refinance Disclaimers
*APR=Annual Percentage Rate. Vehicle loans at Nassau Financial are not eligible. Minimum loan amount is $5,000 and assumes discounts for Auto Pay & Direct Deposit. No further discounts apply. Rates assume LTV of 90% or less. 5) 60-day loan payment deferment will start from the day the loan is funded subject to credit approval. Interest accrues during the 60-day deferment. Term restrictions apply. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms. The minimum amount financed for the new auto 96-month term is $50,000. To qualify as new, vehicle must be current model year or one-year prior model with less than 5,000 miles. Vehicles with commercial plates cannot be financed as a consumer auto loan.
 
Membership open to those who live, work, worship, volunteer, or go to school in Nassau County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Shared Savings Account is required for membership.

Home Equity Rates - as of 7/1/20

real_estate table
Type of AccountMaximum TermAPR*
Home Equity Line-of-Credit(sup)1(/sup) (10-year access period)300 MonthsAs low as 1.75% fixed(sup)1(/sup) for 12 months, then Variable as low as Prime minus .25% for Life(sup)2(/sup)
 

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*APR = Annual Percentage Rate. Terms, Rates, and Conditions subject to change without notice. Stated rates are based on credit worthiness and other criteria. ²No closing cost option requires a minimum draw of $30,000 at funding. Closing costs must be paid back if the line is closed within the first 3 years, including internal refinances. Minimum draw at funding and a minimum balance of $30,000 must be kept for at least 12 months. If the balance falls below $30,000 during the first 12 months, the introductory rate reverts to Prime Rate plus a margin. Members do not qualify for the introductory rate if they already had an introductory rate on a HELOC at Nassau Financial within the past three (3) years. Base rate is Prime Rate minus .25 and requires Auto Transfer AND Direct Deposit. Rate floor is 4% and Maximum Rate (Ceiling) is 18%. Minimum line amount is $25,000 and maximum line amount is $250,000. Maximum CLTV is 75%. Subject property must be the primary residence of the applicant and located in New York State. Fixed Rate Option (FRO) available during draw period: Minimum amount is $10,000. Maximum term is 60 months. Three fixed rate advances maximum at one time during draw period. Fee of $75 per advance. FRO rates differ from HELOC rates and are based on credit report status at time of request, and other criteria. Credit reports re-pulled after 60 days and subject to new rate and re-approval. Other details may apply.

Offers subject to change without notice. Membership is open to those who live, work, worship, go to school, or volunteer in Nassau County, NY. 

First Mortgage Loan Rates - as of 5/20/2020

first_mortgage table
Type of AccountTermRateAPR*PointsInterest Type
Fixed Mortgage30 Years2.875%2.934%0Fixed
Fixed Mortgage20 Years2.875%2.961%0Fixed
Fixed Mortgage15 Years2.500%2.610%0Fixed
Fixed Mortgage10 Years2.500%2.662%0Fixed
5/6 mos ARM30 Years2.375%2.688%0Adjustable
Jumbo Mortgage Loanclick Get Started below for a personalized quote request

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For Jumbo Mortgage Rates or a personalized quote, click Get Started.

*APR=Annual Percentage Rate. APR is based on Conventional loan assuming the highest credit rating. Rates are subject to change without notice. Loans are for owner occupied primary residences in New York State only. Co-ops are not eligible. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Final rate depends upon several factors, including but not limited to, your credit history and the loan to value ratio. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rates and points can be locked only after your completed loan application is received.

Deposits - as of 12/1/19

business_deposit table
Type of Share AccountDividend RateAnnual Percentage Yield (APY)Fixed/VariableMinimum Balance to Earn APYCompounding
Shares: Regular0.20%0.20%Variable$5.00Quarterly
Business Money Market0.20%0.20%VariableNoneMonthly
0.50%0.50%Variable$5,000.00Monthly
0.60%0.60%Variable$25,000.00Monthly
0.74%0.75%Variable$50,000.00Monthly
0.74%0.75%Variable$75,000.00Monthly
Premier Checking0.05%0.05%Variable$750.00Monthly
Premier Checking Non-Profit0.05%0.05%Variable$750.00Monthly
Business CheckingNon-interest bearingNon-interest bearingN/AN/AN/A

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APY= Annual Percentage Yield. Rates are subject to change without notice. Note: Fees could reduce the earning on accounts. On variable rate accounts the rate may change after the account is opened. There is no minimum balance to open a consumer checking account. Variable rates are accurate as of the last dividend declaration date of June 20,2018 or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of July 1, 2018. Contact a Service Representative for further information about applicable fees and terms. For current information, please call 1-800-216-2328.  Minimum balance of $100 to open Premier and Business Checking Accounts; no minimum to open Business Non-Profit Checking Accounts. Minimum average daily balance.  

Certificates - as of 12/4/19

business_certificate table
Type of Share AccountDividend RateAnnual Percentage Yield(APY)Fixed/VariableMinimum Balance to Earn APYCompounding
6 Month Regular.995%1.000%Fixed$1,000.00Daily
12 Month Regular1.490%1.500%Fixed$1,000.00Daily
18 Month Regular1.637%1.650%Fixed$1,000.00Daily
24 Month Regular1.833%1.850%Fixed$1,000.00Daily
24 Month (br)Bump-up(sup)4(/sup)1.587%1.600%Variable$1,000.00Daily
36 Month Regular2.030%2.050%Fixed$1,000.00Daily
36 Month (br)Bump-up(sup)4(/sup)1.784%1.800%Variable$1,000.00Daily
48 Month Regular2.079%2.100%Fixed$1,000.00Daily
60 Month Regular2.225%2.250%Fixed$1,000.00Daily

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APY= Annual Percentage Yield. Rates are subject to change without notice. Note: Fees could reduce the earnings on accounts. On variable rate accounts the rate may change after the account is opened. Variable rates are accurate as of the last dividend declaration date of June 20, 2018 or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of July 1, 2018.  Relationship Certificate Rate requires a Share Account, a Certificate Account, a Checking Account with monthly Direct Deposit of $250 or more, plus a Loan Balance of $5,000 or more, in order to earn the Relationship Rate. IRA Certificate Accounts qualify for the Relationship Rate. Contact a Service Representative for further information about applicable fees and terms. For current information, please call 1-800-216-2328. A penalty may be charged for early withdrawal from Share Certificates. 1 One time option during the term to change the dividend rate to the then current rate of the 24 Month or 36 Month Regular Certificate as applicable. Written request prior to certificate maturity required.

Loans & Lines of Credit - as of 4/11/18

business_loans table
TYPE OF LOANTerm% Above IndexAPRFixed/Variable/AdjustableMonthly Payment Per $1000
Fixed Rate Term Loan(br)(Up to $50,000)Up to 60 MonthsN/ACall for RateFixed - On the date the loan closes at the then Prime(sup)1(/sup) rate plus the margin.Depends on term. Call for quote.
Business Line of Credit(br)(Up to $50,000)N/AVariesCall for RateVariable(sup)1(/sup)3% of loan bal. min. $20.00
Business Overdraft Line of Credit(br)(Up to $5,000)N/AVariesCall for RateVariable(sup)1(/sup)3% of loan bal. min. $20.00
Visa Business Credit Card(br)(Up to $50,000)N/AVariesCall for RateVariable(sup)1(/sup)3% of loan balance min. $15.00

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APR= Annual Percentage Rate. Rates are subject to change without notice. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. The ANNUAL PERCENTAGE RATE (APR) you receive is based on your credit worthiness. Please ask a representative for the rate you qualify for. 1 The Wall Street Journal Prime Rate, plus margin, for the life of the loan, adjustable monthly with a cap of 17.9% APR. The Wall Street Journal Prime Rate is set on the last business day of the month with a cap of 17.9%.