Rates

Savings Rates
Share Savings Rates**
Dividend Rate / APY*
$100 – $100,000 $100,000.01 & Over
Regular Shares 0.25% / 0.2502% 0.25% / 0.2504%
Business Savings  0.25% / 0.2502% 0.30% / 0.3003%
Traditional IRA 0.25% / 0.2502% 0.30% / 0.3003%
Roth IRA 0.25% / 0.2502% 0.30% / 0.3003%
Nizari College Savings 0.75% / 0.7521% 0.80% / 0.8024%
Coverdell ESA 0.75% / 0.7521% 0.80% / 0.8024%
Special Shares 0.25% / 0.2502% 0.30% / 0.3003%

* APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of December 31st, 2023. 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.

Nizari Savings Plus**
Tier Level Dividend Rate / APY*
$1,000.00 – $100,000.00 2.25% / 2.2733%
$100,000.01 – $500,000.00 2.30% / 2.3244%
$500,000.01 – $1,500,000.00 2.35% / 2.3755%
$1,500,000.01 – $4,500,000.00 3.85% / 3.9187%
$4,500,000.01 – & Over 3.95% / 4.0223%

 

Key Features
Minimum balance of $1,000.00 is required to receive the dividend
Tiered Rates (members earn more as higher balances are maintained)
Dividends are compounded and paid monthly

* APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of January 1st, 2024. Rates on schedule are subject to change from time to time. Dividend is paid monthly. No dividend will be paid if account is closed before month end. Terms and Conditions May Apply. If you have any questions or require current rates, please call the Credit Union at 281-921-8500.

Nizari Diamond Savings Rates**
Tier Level Dividend Rate / APY*
$500,000.00 – $1,500,000.00 4.18% / 4.2610%
$1,500,000.01 – $2,500,000.00 5.14% / 5.2628%
$2,500,000.01 – $3,500,000.00 5.14% / 5.2628%
$3,500,000.01 – $4,500,000.00 5.14% / 5.2628%
$4,500,000.01 – & Over 5.18% / 5.3048%

Key Features
Minimum balance of $500,000.00 is required to receive the dividend
Tiered Rates (members earn more as higher balances are maintained)
Dividends are compounded and paid monthly

* APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of January 1st, 2024. Rates on the schedule are subject to change from time to time. The dividend is paid monthly. No dividend will be paid if the account is closed before month’s end. Terms and Conditions May Apply. If you have any questions or require current rates, please call the Credit Union at 281-921-8500.

Momentum Share Certificate Rate**
Dividend Rate / APY*
$1000.00 – $49,999.99 $50,000.00 – $99,999.99 $100,000.00 – 149,999.99 $150,000.00 – $249,999.99 250,000.00 – $349,999.99 350,000.00 & Over
3 Months  4.50% / 4.5940% 4.55% / 4.6461% 4.65% / 4.7504% 4.70% / 4.8026% 4.75% / 4.8548% 4.80% / 4.9070%
7 Months  4.30% / 4.3858% 4.35% / 4.4378% 4.40% / 4.4898% 4.50% / 4.5940% 4.55% / 4.6461% 4.60% / 4.6982%
9 Months  4.45% / 4.5419% 4.50% / 4.5940% 4.55% / 4.6461% 4.60% / 4.6982% 4.65% / 4.7504% 4.70% / 4.8026%
25 Months 2.50% / 2.5288% 2.55% / 2.5800% 2.60% / 2.6312% 2.60% / 2.6312% 2.60% / 2.6312% 2.60% / 2.6312%
37 Months 2.25% / 2.2733% 2.30% / 2.3244% 2.35% / 2.3755% 2.35% / 2.3755% 2.35% / 2.3755% 2.35% / 2.3755%
Momentum Share Certificate Rate – Special**
Dividend Rate / APY*
$1000.00 – $49,999.99 $50,000.00 – $99,999.99 $100,000.00 – 149,999.99 $150,000.00 – $249,999.99 250,000.00 – $499,999.99 500,000.00 & Over
13 Months – Special 4.50% / 4.5940% 4.55% / 4.6461% 4.60% / 4.6982% 4.65% / 4.7504% 4.70% / 4.8026% 4.90% / 5.0116%

*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of February 05th, 2024. Rates on the 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 Momentum Share Certificate, please call the Credit Union at 281-921-8500.

Share Certificate Rates**
Dividend Rate / APY*
$1000 – $49,999.99 $50,000.00 – $99,999.99 $100,000 & Over
6 Months Special 4.60% / 4.6982% 4.65% / 4.7504% 4.90% / 5.0116%
12 Months  4.30% / 4.3858% 4.35% / 4.4378% 4.45% / 4.5419%
18 Months 2.82% / 2.8567% 2.87% / 2.9081% 2.92% / 2.9594%
24 Months 2.85% / 2.8875% 2.90% / 2.9389% 2.95% / 2.9902%
36 Months 2.90% / 2.9389% 2.95% / 2.9902% 3.00% / 3.0416%
48 Months 2.30% / 2.3244% 2.35% / 2.3755% 2.40% / 2.4266%
60 Months 2.35% / 2.3755% 2.40% / 2.4266% 2.45% / 2.4777%

*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of  January 1st, 2024. 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.

IRA Share Certificate**
Dividend Rate / APY*
$1000 – $49,999.99 $50,000.00 – $99,999.99 $100,000 & Over
6 Months 5.00% / 5.1162% 5.05% / 5.1685% 5.10% / 5.2209%
8 Months 5.05% / 5.1685% 5.10% / 5.2209% 5.15% / 5.2733%
12 Months 5.10% / 5.2209% 5.15% / 5.2733% 5.20% / 5.3257%
24 Months 2.85% / 2.8875% 2.90% / 2.9389% 2.95% / 2.9902%
36 Months 2.90% / 2.9389% 2.95% / 2.9902% 3.00% / 3.0416%
48 Months 2.30% / 2.3244% 2.35% / 2.3755% 2.40% / 2.4266%
60 Months 2.35% / 2.3755% 2.40% / 2.4266% 2.45% / 2.4777%

*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of January 1st, 2024. Rates on the 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 IRA Share Certificate, please call the Credit Union at 281-921-8500.

Your savings are 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 Maximum Term (Months) Loan Rate
Personal /Signature Loan – Up to $75,000 84 Months Starting as low as 7.99%
Premier Personal /Signature Loan $75,001-$150,000 84 Months Starting as low as 8.75%
Semi-Secured Personal /Signature Loan – Up to $300,000 84 Months Starting as low as 6.95%
Emergency Loan – Up to $5,000 60 Months Flat Rate 7.99%
Zero Score Loan – Up to $3,000 60 Months Starting as low as 7.25%
Personal Line of Credit – Up to $75,000 Flat Rate 9.99%
Low Doc Loan -Up to $25,000 60 Months Flat Rate 9.99%
Standard Master Card – Up to $10,000 13.90% APR
Platinum Master Card – Up to $10,000 11.90% APR
Student Line of Credit – Up to $30,000 per academic year 120 Months Flat Rate 6.25%
Post Graduate Consolidation – Up to $150,000 180 Months Starting as low as 5.75%
Share Secured Loan 72 Months
96 Months – Loan Amount $75,000+
Dividend + 2.00%
Dividend + 3.00%
Share Certificate Loan Up to the remaining terms of the CD Dividend + 2.00%
New Auto Loan – Up to $250,000 Terms

  • 36 months
  • 48 months
  • 60 months
  • 74 months
  • 84 months
  • 96 months
Starting as low as

  • 5.49%
  • 5.99%
  • 6.25%
  • 6.50%
  • 6.95%
  • 7.60%
Title Loan New Auto Same as the new auto above +0.25% to starting rates for new auto above
Used Auto Loan – Up to 250,000 Terms

  • 36 months
  • 48 months
  • 60 months
  • 74 months
  • 84 months
Starting as low as

  • 5.99%
  • 6.50%
  • 6.75%
  • 7.25%
  • 7.50%
Title Loan Used Auto Same as used auto above +0.25% to starting rates above for used auto above
New Motorcycle Loan Up to 72 months Starting as low as 7.49%
Used Motorcycle Loan Up to 48 months Starting as low as 7.99%
New RV Loan Up to 84 months Starting as low as 7.49%
Used RV Loan Up to 72 months Starting as low as 7.99%
New Commercial Auto Loan Up to 96 months Starting as low as 6.49%
Used Commercial Auto Loan Up to 84 months Starting as low as 6.99%
Term Loan Up to 120 months Starting as low as Prime +1.50%
Business Line of Credit The initial term is 24 months and will be renewed Starting as low as Prime + 2.00%
Business Credit Card Standard Master Card 14.90% APR
Commercial Real Estate** Up to 180 months Starting as low as Prime Rate + 1.00%
Commercial Real Estate** Up to 180 months Variable Rate Prime Rate + 0.50%

Interest rates; loan terms and eligibility are subject to borrowers credit scores. The above indicated rates are for credit scores 700 and above.
An additional 0.50% discount will be given to Trade Association Members on certain loan products.
A loyalty discount of 0.25% is valid on certain unsecured personal loan products.
For either of the above discount eligibility guidelines, speak to your loan officer to see if you qualify.

**For Commercial Real Estate loan rate adjustment at the end of the fixed period and balloon payment at the end of 15 years.

General Fees
Item Fee
Deposited Item Return Fee $ 30.00
Deposited Item Return Fee (Business Loans)  $45.00
Balance Certificate $3.00
Account Research Fee Per Hour (One Hour Minimum)  $25.00
Account Statement Copy Fee  $5.00
Other Document Copy Fee  $5.00
Instant Account Activity Report Fee  $2.00
Account Verification  $3.00
Outgoing Wire  $20.00
Outgoing International Wire  $40.00
Incoming Wire  $10.00
Incoming International Wire  $15.00
Photocopy Fee (Not Exceeding 5 Pages)  $1.00
Share Draft Return Fee  $30.00
ACH Return Item Fee  $30.00
Membership Opening Fee (effective 02/01/2019) $10.00
Membership / Account Closure Fee (If Closed Within 90 Days) $50.00
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 $5.00
Cashier’s Check Stop Payment  $15.00
Cashier’s Check Replace Fee  $5.00
Teller’s Check  $2.00
Overnight Delivery  $15.00
Tax Levies & Garnishments – each plus attorney fee $50.00
Paper Statement Fee  $5.00
Safe Deposit Box Late Fee  $5.00
Transfer Fee Per Item (Share to share draft transfer, to clear incoming items)  $5.00
Outgoing IRA Transfer/Rollover  $50.00
GAP  $399.00
GAP Plus $479.00
Credit Card Fees
Payment Return Fee $ 30.00
Late Fee  $25.00
Balance Transfer Fee 3%
Overlimit Fee $35.00
Cash Advance Rate (APR)  18.00%
Cash Advance Fee $5.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $50.00)
Foreign Transaction Fee 1.00% of each transaction in U.S. dollars (APR)

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
Unsecured Loans Application Fee $1,001 – $30,000 $50.00
Unsecured Loans Application Fee $30,001 – $75,000 $100.00
Unsecured Loans Application Fee $75,001 – $150,000 $150.00
Personal Line of Credit Application Fee $5,000 – $30,000 $50.00
Personal Line of Credit Application Fee $30,001 – $75,000 $100.00
Personal Line of Credit Annual Fee $99.00
Semi-Secured Application Fee $1,001 – $100,000 $50.00
Semi-Secured Application Fee $100,001 – $150,000 $100.00
Semi-Secured Application Fee $150,001 – $300,000 $150.00
Home Mortgage Loan Application Fee $675.00
Auto Loans (Includes RV’s & Motorcycles) $35.00
Student Loan (1st Loan) Loan Application Fee $75.00
Student Loan Consolidation Application Fee $1,001 – $30,000 $50.00
Student Loan Consolidation Application Fee $30,001 – $75,000 $100.00
Student Loan Consolidation Application Fee $75,001 – $150,000 $150.00
Loan Cancellation/ Non- Unitization Fee* $100.00
Loan Late Payment fees (consumer loans excluding mortgage) $25.00
Loan Payment Late Fee (Business Loans) $50.00 or 5% of the monthly payment, whichever is higher

*If a member comes back within 3 months after his approved loan was withdrawn or cancelled, Nizari PFCU will charge $100 non-refundable fee

Business Account Fees

Effective as of January 1st, 2024

MSB Checking Fees
Monthly fee based on monthly check cashing volume. Contact a representative for details Starting at $135.00
Check Deposited Each $0.15
Withdrawal fee (all withdrawals including Cash, ACHs, Checks, Transfers, and member initiated debits)  0.14%
Security Deposit required based on our analysis of your account. Additional security deposit is required if you cash IRS checks and deposit them at Nizari PFCU.
Paper Account Statement  $5.00
Paper Statement Copy  $3.00
Breach of Warranty Check Claim Fee  $25.00
Deposited Item Return Fee (per item)  $8.00
Negative Balance Fee – Per Day Fee  $35.00
MSB Annual Compliance Fee (per year per account)  $100.00
MSB Administrative Fee for Opening a New MSB Account  $150.00
Business Checking Fee
Below Balance Monthly Fee $10.00
Monthly Account Maintenance Fee $9.99
Monthly Analysis Fee if Money Order/Money Transmitter Service Provided
(
Effective November 1, 2021, for all existing and new accounts opened)
$64.99 
Every item over 100  charges @0.25
per transaction
 
Monthly ATM Analysis Fee** $10.00 per month
Enterprise Checking Fee
Below Balance Monthly Fee $15.00
Monthly Account Maintenance Fee $14.99
Monthly Analysis Fee if Money Order/Money Transmitter Service Provided
(
Effective November 1, 2021, for all existing and new accounts opened)
$64.99 
Every item over 500  charges @0.35
per transaction
 
Monthly ATM Analysis Fee** $10.00 per month
ATM Business Checking Fee
Below Balance Monthly Fee $10.00
Monthly Account Maintenance Fee $9.99
Cash Withdrawal Fees .10% per Withdrawals
Transactions more than 100 .25 per transaction
ATM Enterprise Checking Fee
Below Balance Monthly Fee $15.00
Monthly Account Maintenance Fee $14.99
Cash Withdrawal Fees .10% per Withdrawals 
Every item over 500
charges @0.35
per transaction
 
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)  $25.00
Tax Levies & Garnishments –each plus attorney fees  $50.00
Balance Certificate  $3.00
Outgoing wire (domestic)  $20.00
Incoming wire (domestic)  $10.00
Incoming wire (international)  $15.00
Outgoing wire (international)  $40.00
Stop Payment  $15.00
Returned mail due to incorrect address  $5.00
Cashier’s Check  $5.00
Cashier Check Stop Payment  $15.00
Cashier Check Replace Fee  $5.00
Teller’s Check  $2.00
Overnight delivery  $15.00
Membership / Account Closing Fee (if closed within 90 days)  $50.00
Checking Account Fee (Any Business providing Money Order/Money Transmitter services at their business)  $64.99
Monthly ATM Analysis Fee**  $10.00
Temporary Checks (First 12 Checks Free) $2 per page

*Rates and fees are subject to change from time to time.
**Business accounts that have an on-site ATM at the location. MSB check casher and/or providing money order/money transmitter accounts are excluded.

.
~All other checking account fees apply.

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