Nizari PFCU Rates


  • General Fees
  • Savings Rates
  • Loan Rates
  • Money Service Business (MSB) Fees

General Fees

Item Fee
Deposited Item Return Fee $ 20.00
Deposited Item Return Fee (Business Loans)  $45.00
Balance Certificate $3.00
Account Research Fee Per Hour (One Hour Minimum)  $20.00
Account Statement Copy Fee  $3.00
Other Document Copy Fee  $3.00
Instant Account Activity Report Fee  $2.00
Account Verification  $3.00
Outgoing Wire  $15.00
Incoming Wire  $10.00
Incoming International Wire  $15.00
Photocopy Fee (Not Exceeding 5 Pages)  $1.00
Share Draft Return Fee  $20.00
ACH Return Item Fee  $25.00
Account Closure Fee (If Closed Within 90 Days) $10.00
Stop Payment Fee $15.00
Inactive Account Fee (effective 10/1/2015) - per month $2.00
Return Mail Due to Incorrect Address $5.00
Cashier's Check $3.00
Teller's Check  $2.00
Overnight Delivery  $15.00 
Tax Levies & Garnishments - each plus attorney fee $25.00 
Paper Statement Fee  $2.00
Safe Deposit Box Late Fee  $5.00

 

Credit Card Fees
Credit Card Payment Return Fee $ 25.00
Late Fee  $25.00
Over the Credit Line Fee $35.00
Cash Advance Rate (APR)  18.00%
Cash Advance Fee: 3% of each cash advance ($5 minimum and $100 maximum on Classic Card and $200 maximum on Platinum Card) 3.00%


The fees appearing in this schedule are subject to change from time to time. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.



The Annual Percentage Yield (APY) is current as of March 31, 2017

Savings Rates
  Dividend Rate APY
  $100 - $100,000 $100,001 & Over $100 - $100,000 $100,001 & Over
Savings 0.70% 0.60% 0.7018% 0.6014%
Nizari College Savings 1.20% 1.10% 1.2054% 1.1045%
Business Savings 0.70% 0.60% 0.7018% 0.6014%
Traditional IRA 0.70% 0.60% 0.7018% 0.6014%
Roth IRA 0.70% 0.60% 0.7018% 0.6014%
Coverdell ESA 1.20% 1.10% 1.2054% 1.1045%


Share Certificate Rates*
  Dividend Rate APY
6 Months 0.80% 0.8029%
12 Months 0.90% 0.9037%
18 Months 1.00% 1.0046%
24 Months 1.35% 1.3584%
36 Months 1.50% 1.5104%
48 Months 1.65% 1.6625%
60 Months 1.98% 2.0000%


*Dividend Rate earned is accurate as of March 31st, 2017. Rates on schedule are subject to change from time to time. Early withdrawal may be subject to penalties. Terms and Conditions May Apply. If you have any questions or require current rates and information on your share certificate, please call the Credit Union at 281-921-8500.

Your savings federally insured to at least $250,000 and backed by the full faith
and credit of the United States Government.



Loan Rates

Loan Type Loan Rate
Personal Loans as low as 7.50%
Signature Loan  as low as 7.50%
New Auto Loans as low as 0.99%
Used Auto Loans  as low as 2.00%
Personal Line of Credit as low as 7.99%
Student Loan Prime + 1.50%


Money Service Business (MSB) Fees

 Effective as of April 1st, 2016

MSB Checking Fees
Monthly fee  $99.00
Check Deposited Each $0.12
Cash withdrawal fee  0.10%
(CD) Share Certificate Required based on average of last 90 days of check cashing history  2.5% or $5,000 (whichever is lower)
Paper Account Statement  $2.00
Paper Statement Copy  $3.00
Nonsufficient Funds (per item)**  $20.00
Deposited Item Return Fee (per item)  $5.00
Teller Service Fees
Change Order: Currency Straps (Each)  $0.20
Change Order: Coins Rolls (Each)  $0.05
Cash Deposited  Free
Coins Deposited  Free
General Business Service Fees
Account research fee (per hour) $20.00
Tax Levies & Garnishments –each plus attorney fees $25.00
Balance Certificate $3.00
Outgoing wire (domestic)  $15.00
Incoming wire (domestic)  $10.00 
Incoming wire (international) $15.00 
Stop Payment  $15.00
Returned mail due to incorrect address  $5.00
Cashier's Check  $3.00
Teller's Check  $2.00
Overnight delivery  $15.00
Account Closing Fee  $10 (if closed within 90 days)

*Rates and fees are subject to change from time to time.
** Nonsufficient funds and overdraft fees imposed on transactions by check (share draft), or any ACH withdrawal or transfer.
~All other checking account fees apply.




Copyright © 2015 Nizari Progressive Federal Credit Union

"APY" refers to Annual Percentage Yield
"APR" refers to Annual Percentage Rate

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