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 April 1st, 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** – Effective April 1st, 2023 | |
|---|---|
| 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 April 1st, 2023. 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** – Effective June 1, 2023 | |
|---|---|
| Tier Level | Dividend Rate / APY* |
| $500,000.00 – $1,500,000.00 | 4.18% / 4.2610% |
| $1,500,000.01 – $2,500,000.00 | 4.25% / 4.3338% |
| $2,500,000.01 – $3,500,000.00 | 4.35% / 4.4378% |
| $3,500,000.01 – $4,500,000.00 | 4.35% / 4.4378% |
| $4,500,000.01 – & Over | 4.40% / 4.4898% |
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 June 1st, 2023. 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.
| Premier Share Certificate*** | |||
|---|---|---|---|
| Dividend Rate / APY* | |||
| $1000.00 – $49,999.99 | $50,000.00 – $99,999.99 | $100,000.00 & Over | |
| 11 Months Special | 1.75% / 1.7641% | 2.00% / 2.0184% | 2.50% / 2.5288% |
*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of April 1st, 2023. 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 Premier Share Certificate, please call the Credit Union at 281-921-8500.
***Premier Share Certificate is not available for purchase via Online Banking. Please contact one of our Representative for more details on how to purchase Premier Share Certificate
| Bumper CD | |||
|---|---|---|---|
| Dividend Rate / APY* | |||
| $300,000.00 – $499,999.99 | $500,000.00 & Over | ||
| 12 Months | 2.75% / 2.7849% | 3.00% / 3.0416% | |
*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of April 1st, 2023. 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 Bumper Share Certificate, please call the Credit Union at 281-921-8500.
***Bumper Share Certificate is not available for purchase via Online Banking. Please contact one of our Representative for more details on how to purchase Bumper Share Certificate
| Momentum Share Certificate** – Effective April 1st, 2023 | |||
|---|---|---|---|
| Dividend Rate / APY* | |||
| $1000.00 – $49,999.99 | $50,000.00 – $99,999.99 | $100,000.00 & Over | |
| 3 Months Special | 4.30% / 4.3858% | 4.30% / 4.3858% | 4.30% / 4.3858% |
| 7 Months | 2.65% / 2.6824% | 2.70% / 2.7337% | 2.75% / 2.7849% |
| 13 Months | 3.75% / 3.8151% | 3.80% / 3.8669% | 3.85% / 3.9187% |
| 25 Months | 2.50% / 2.5288% | 2.55% / 2.5800% | 2.60% / 2.6312% |
| 37 Months | 2.25% / 2.2733% | 2.30% / 2.3244% | 2.35% / 2.3755% |
*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of April 1st, 2023. 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** – Effective April 1st, 2023 | ||||||
|---|---|---|---|---|---|---|
| Dividend Rate / APY* | ||||||
| $1000 – $49,999.99 | $50,000.00 – $99,999.99 | $100,000 & Over | ||||
| 6 Months | 3.70% / 3.7634% | 3.75% / 3.8151% | 3.80% / 3.8669% | |||
| 12 Months | 2.70% / 2.7337% | 2.75% / 2.7849% | 2.80% / 2.8362% | |||
| 18 Months | 2.72% / 2.7542% | 2.77% / 2.8054% | 2.82% / 2.8567% | |||
| 24 Months | 2.75% / 2.7849% | 2.80% / 2.8362% | 2.85% / 2.8875% | |||
| 36 Months | 2.80% / 2.8362% | 2.85% / 2.8875% | 2.90% / 2.9389% | |||
| 48 Months | 2.20% / 2.2223% | 2.25% / 2.2733% | 2.30% / 2.3244% | |||
| 60 Months | 2.25% / 2.2733% | 2.30% / 2.3244% | 2.35% / 2.3755% | |||
*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of April 1st, 2023. 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 | |
| 36 Months | 1.65% / 1.6625% | 1.75% / 1.7641% | 1.85% / 1.8658% |
| 48 Months | 1.75% / 1.7641% | 1.85% / 1.8658% | 2.00% / 2.0184% |
| 60 Months | 1.85% / 1.8658% | 1.95% / 1.9675% | 2.10% / 2.1203% |
*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of April 1st, 2023. 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.
| Loan Type | Maximum Term (Months) | Loan Rate |
|---|---|---|
| Personal Loan – Up to $75,000 | 84 Months | Starting as low as 7.25% |
| Signature Loan – Up to $75,000 | 84 Months | Starting as low as 7.25% |
| Premier Personal Loan $75,001-$125,000 | 84 Months | Starting as low as 7.75% |
| Premier Signature Loan $75,001-$125,000 | 84 Months | Starting as low as 7.75% |
| Semi-Secured Personal Loan – Up to $300,000 | 84 Months | Starting as low as 6.00% |
| Semi-Secured Signature Loan – Up to $300,000 | 84 Months | Starting as low as 6.00% |
| Emergency Loan – Up to $5,000 | 60 Months | 7.25% Flat Rate |
| Zero Score Loan – Up to $3,000 | 60 Months | Starting as low as 6.25% |
| Personal Line of Credit – Up to $75,000 | – | Starting as low as 8.50% |
| Low Doc Loan -Up to $25,000 | 60 Months | Starting as low as 7.75% |
| Standard Master Card | – | 11.90% APR |
| Platinum Master Card | – | 9.90% APR |
| Student Line of Credit – Up to $25,000 per academic year | 120 Months | Prime + 1.50% |
| 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 96 Months
* Maximum LTV allowed for a 96-month term will be 95% |
Starting as low as 4.75% |
| Used Auto Loan | Up to 84 months
|
Starting as low as 5.00% |
| Title Loan New Auto | Same as the new auto above | Starting as low as 5.00% |
| Title Loan Used Auto | Same as used auto above | Starting as low as 5.25% |
| New Motorcycle Loan | Up to 72 months | Starting as low as 6.75% |
| Used Motorcycle Loan | Up to 48 months | Starting as low as 7.00% |
| New RV Loan | Up to 84 months | Starting as low as 6.75% |
| Used RV Loan | Up to 72 months | Starting as low as 7.00% |
| New Commercial Auto Loan | Up to 96 months | Starting as low as 5.75% |
| Used Commercial Auto Loan | Up to 84 months | Starting as low as 6.00% |
| Term Loan | Up to 120 months | Starting as low as 6.99% |
| Business Line of Credit | The initial term is 24 months and will be renewed | Starting as low as Prime + 0.50% |
| Commercial Real Estate** | Up to 180 months | Starting as low as Prime Rate |
An additional 0.50% discount will be given to Trade Association Members on certain loan products.
A loyalty discount of 0.50% 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.
| 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 | $15.00 |
| Outgoing International Wire | $35.00 |
| 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 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 | $5.00 |
| 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 |
| Transfer Fee Per Item (Share to share draft transfer, to clear incoming items) | $5.00 |
| Outgoing IRA Transfer/Rollover | $20.00 |
| GAP | $375.00 |
| GAP Plus | $449.00 |
| 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 Standard 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 | |
|---|---|
| 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 |
| Loan Payment Late Fee (Business Loans) | $50.00 or 5% of the monthly payment, whichever is higher |
| Home Mortgage Loan Application Fee | $675.00 |
| Auto Loan – Refinance/Refinance Cash Out/Title Loan Application Fee | $35.00 |
| Student Loan (1st Loan) Loan Application Fee | $75.00 |
| Subsequent Student Loan Application Fee | $50.00 |
| Loan Cancellation/ Non- Unitization Fee* | $100.00 |
| Loan Late Payment fees (consumer loans excluding mortgage) | $25.00 |
*If a member comes back within 3 months after his approved loan was withdrawn or cancelled, Nizari PFCU will charge $100 non-refundable fee
Effective as of February 1st, 2023
| 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) | 0.13% |
| (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 |
| Breach of Warranty Check Claim Fee | $25.00 |
| Deposited Item Return Fee (per item) | $8.00 |
| Negative Balance Fee – Per Day Fee | $35.00 |
| 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 |
| 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 |
| 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 | $25.00 |
| Balance Certificate | $3.00 |
| Outgoing wire (domestic) | $15.00 |
| Incoming wire (domestic) | $10.00 |
| Incoming wire (international) | $15.00 |
| Outgoing wire (international) | $35.00 |
| Stop Payment | $15.00 |
| Returned mail due to incorrect address | $5.00 |
| Cashier’s Check | $5.00 |
| Teller’s Check | $2.00 |
| Overnight delivery | $15.00 |
| Membership Closing Fee | $10 (if closed within 90 days) |
| Checking Account Fee (Any Business providing Money Order/Money Transmitter services at their business) | $64.99 |
| Temporary Checks (First 12 Checks Free) | $2 per page |
*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.
