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Current Rates

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We rate match! Find a lower rate else where, have a credit score of 670 or higher, we will rate match up to a one percent difference off of our lowest rate (term has to match).

Loan Rates

Auto Loan

New Vehicle

Term Rate
1-36 months 2.90%
37-60 months 3.40%
61-72 months 3.90%

Maximum manufacturer's suggested retail price (MSRP).

Used Vehicle

Term Rate
1-36 months 2.90%
37-60 months 3.40%
61-72 months 3.90%

Maximum National Automobile Dealers Association (NADA) clean retail value.
•2019—2009 models 100 percent NADA clean retail value
•2008 and older 90 percent NADA clean retail value
•Minimum $5,000 clean retail value

Home Equity Loan

Line of Credit ($50,000 maximum)

  • First seven years: you can withdrawal and pay interest only
  • At eight years: current balance is calculated to a monthly payment to repay loan off
  • New loans after June 23, 2011: prime rate subject to change twice a year
    Current variable rate is 4.5 percent

Fixed Rate ($50,000 maximum)

Term Rate
60 months 4.75%
120 months 5.25%
180 months 6.00%

Share-Secured Loan

Term Rate
1-60 months 2.75%

Unsecured Loan

Debt Consolidation ($7,500 maximum)

Term Rate
1-48 months 15%

Signature Line of Credit ($5,000 maximum)

Term Rate
N/A 8.90%

Overdraft Protection Line of Credit ($500 maximum)

Term Rate
N/A 15%

Signature Loan ($13,000 maximum)

Amount Term Rate
$500-$4,000 1-24 months 8.9%
$4,001-$13,000 24-48 months 8.9%

Mini Loan ($750 maximum)

Term Rate
3 months 25%

Mini loans are for qualified NIU employees only. A $20 application fee applies, loan repayment is set as payroll deduction.

Share Rates


Account Type Rate*
Share Savings .01%
Club .01%

*All rates are annual percentage yield (APY).

Certificates of Deposit (CD)

Term Rate*
6 months .25%
12 months .50%

*All rates are annual percentage yield (APY).

General Account Information

Annual Percentage Yield

All rates listed are Annual Percentage Yields (APY). The APYs are correct as of December 20, 2018. The APYs do not take into account the effort of fees, if any on these accounts. Member must complete deposit of $25 in your regular share account as a condition of membership. Dividends are paid from current income and available earnings, after required reserve transfers at the end of the dividend period.

Certificate Accounts

A 90-day dividend early withdrawal penalty will be imposed for early withdrawal. Once purchased the rate of the certificate account shall remain fixed for the specified term of the certificate. Dividends are calculated by the daily balance method which applies a periodic rate to the daily balance in the account for the period. Dividends are paid at maturity. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

Share and Club Accounts

The APY listed is a prospective APY. Dividends are compounded and credited quarterly.

Variable Rate Accounts

Rates adjusted and paid quarterly on the average daily balance. $25 minimum balance required for share savings accounts. A $5 minimum balance required for club accounts.

A full disclosure is available upon request.