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Competitive rates

All rates effective as of June 30, 2017

Competitive Savings Dividend rates
Share Saving* shares .10% .10% APY
*Minimum balance of $25 to open. Fees could reduce the earnings on this account. Minimum balance of $25 must be maintained to earn APY.
Insured money mark
$1,500.00 - $25,000 Shares .20% .20% APY
$25,000 - $50,000 Shares .20% .20% APY
$50,000 and over Shares .20% .20% APY
IRA accumulator Shares .20% .20% APY
Christmas Clubs (2016) Shares .15% .15% APY
C/U Share and IRA certificates
Substantial penalty for early withdrawal.
6 month share certificate Dividend rate .25% .25% APY
1 year share certificate Dividend rate .25% .25% APY
18 month share certificate Dividend rate .45% .45% APY
2 yr share certificate Dividend rate .60% .60% APY
3 yr share certificate Dividend rate .60% .60% APY
4 yr share certificate Dividend rate .60% .60% APY
5 yr share certificate Dividend rate .60% .60% APY
NFG #2 variable share cert IRA Dividend rate .20% .20% APY
These are government insured investments. NO RISK - GREAT RATES - CALL TODAY FOR DETAILS. Cert. penalties apply to IRAs, except for over 59 1/2 years of age.
Income share certificate
Income share certificate pay dividends monthly - posted to share accounts.
6 month share certificate .25% APY
1 yr share certificate .25% APY
18 month share certificate .45% APY
2 yr share certificate .60% APY
3 yr share certificate .60% APY
4 yr share certificate .60% APY
5 yr share certificate .60% APY
NFG #2 auto loans - What a deal!
New vehicle 2016 - 2017 Up to 36 months 2.50% APR
over 36 months to 60 months 2.75% APR
0% down payment required Over 60 months to 84 months max 3.50% APR
Used vehicle 2015 or older Up to 36 months 3.00% APR
over 36 months to 54 months 3.25% APR
0% down payment required Over 54 months to 66 months max 3.75% APR
More great loan rates!
2nd mortgages and home equity Up to 60 months 3.00% APR
(80% loan to value) Over 60 months to 96 months 4.00% APR
Over 96 months to 144 months 5.50% APR
Quick equity (min $7,000 max $10,000) (max 7 yr term) 6.75% APR
Motor homes, camper trailers 48 months or less 4.50% APR
(10% down payment required) Over 48 months to 96 months max 6.00% APR
Boat loans 48 months or less 4.50% APR
(20% down payment required) Over 48 months to 84 months max 7.50% APR
Other recreational vehicles up to 60 months 9.00% APR
Signature loan Over 48 months to 96 months max 6.00% APR
Computer loan N/A N/A
Share or cert secured loans Cert rate +1% Share rate +2%
NFG #2 VISA - no annual fee 9.99% APR

*APY = annual percentage yield. APR = annual percentage rate. All rates are subject to change due to market conditions without prior notice. All shares certificates subject to early withdrawal penalty. Availability limited.

Fee Schedule

Effective May 1, 2016

Share account fees
Share NSF fee $25.00 / item
Returned item fee $25.00 / item
Deposited item return fee $25.00 / item
Share draft (checking) account fees
NSF fee $25.00 / item
Returned item fee $25.00 / item
Deposited item return fee $25.00 / item
Overdraft protection fee $40.00 / item
Stop payment fee $25.00 / request
Share draft printing fee Price vary upon style selected
Other service fees (applicable to all accounts):
Account reconciliation fee $25.00 / hour
Account research fee $25.00 / hour
Statement copy fee $3.00 / page
Money order fee $2.00 each
Copy of cleared share draft $6.00 each
PIN reset fee $5.00 / reset
Wire transfer (outgoing-international) $20.00 / transfer
Wire transfer (outgoing-domestic) $8.00 / transfer
Account reopen fee $5.00 if account is reopened within 90 days of closing
Dormant account fee $3.00 / month
No activity within 12 months and account balance is less than $100.00
Dormant bill pay fee $5.00 / month
After three months of no paid bills
Bad address fee $5.00 / statement
Card replacement fee $5.00 / card
Escheat fee $100.00 / account
Court order/legal/levy fee $35.00 / account
Account research fee $15.00 / request
Electronic funds transfer fee
Nonproprietary ATM withdrawal fee $0.50
POS service fee $0.20 per POS