Rates

Savings Rates
Share Savings Rates**
Dividend Rate APY*
$100 – $100,000 $100,000.01 & Over $100 – $100,000 $100,000.01 & Over
Regular Shares 1.00% 1.10% 1.0038% 1.1045%
Business Savings  1.00% 1.10% 1.0038% 1.1045%
Traditional IRA 1.00% 1.10% 1.0038% 1.1045%
Roth IRA 1.00% 1.10% 1.0038% 1.1045%
Nizari College Savings 1.50% 1.60% 1.5085% 1.6096%
Coverdell ESA 1.50% 1.60% 1.5085% 1.6096%
Special Shares 1.00% 1.10% 1.0038% 1.1045%

* APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of June 30th, 2018. Rates on schedule are subject to change from time to time. Terms and Conditions May Apply. If you have any questions or require current rates, please call the Credit Union at 281-921-8500.

Share Certificate Rates** –  Effective July 03rd, 2018
Dividend Rate APY*
$1000 – $49,999.99 $50,000.00 – $99,999.99 $100,000 & Over $1000 – $49,999.99 $50,000.00 – $99,999.99  $100,000 & Over
6 Months 1.05% 1.15% 1.20% 1.0551% 1.1561% 1.2066%
12 Months 1.75% 2.00% 2.25% 1.7641%  2.0184% 2.2733%
18 Months 1.45% 1.55% 1.60% 1.4597% 1.5611% 1.6118%
24 Months 1.55% 1.65% 1.75% 1.5611%  1.6625% 1.7641%
36 Months 1.65% 1.75% 1.85% 1.6625%  1.7641% 1.8658%
48 Months 1.75% 1.85% 2.00% 1.7641%  1.8658% 2.0184%
60 Months 2.40% 2.60% 2.80% 2.4266%  2.6312% 2.8362%

*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of July 03rd, 2018. 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.

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Loan Rates
Loan Type Loan Rate
Personal Loans as low as 8.00%
Signature Loan  as low as 8.00%
New Auto Loans as low as 1.99%
Used Auto Loans  as low as 2.49%
Personal Line of Credit as low as 7.99%
Student Loan Prime + 1.50%
Post Graduate Consolidation Prime + 1.50%
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.

Loan Fees
Loan Fees
Loan Payment Late Fee $20.00
Loan Payment Late Fee (Business Loans) $50.00
Home Mortgage Loan Processing Fee $350.00
Money Service Business (MSB) Fees

Effective as of July 1st, 2018

MSB Checking Fees
Monthly fee based on monthly check cashing volume. Contact a representative for details Starting at $150.00
Check Deposited Each $0.15
Withdrawal fee (all withdrawals including Cash, ACHs, Checks, Transfers, and member initiated debits)  0.12%
(CD) Share Certificate required based on our analysis of your account. Additional share certificate is required if you cash IRS checks and deposit them at Nizari PFCU.
Paper Account Statement  $2.00
Paper Statement Copy  $3.00
Nonsufficient Funds (per item)**  $20.00
Deposited Item Return Fee (per item)  $8.00
Teller Service Fees
Change Order: Currency Straps (Each) 2% of total
Change Order: Coins Rolls (Each) 2% of total
Cash Deposited Free
Coins Deposited 2% of total
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.

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