Rates

Savings Rates
Share Savings Rates**
Dividend Rate / APY*
$100 – $100,000 $100,000.01 & Over
Regular Shares 0.20% / 0.2002% 0.25% / 0.2502%
Business Savings  0.20% / 0.2002% 0.25% / 0.2502%
Traditional IRA 0.20% / 0.2002% 0.25% / 0.2502%
Roth IRA 0.20% / 0.2002% 0.25% / 0.2502%
Nizari College Savings 0.70% / 0.7018% 0.75% / 0.7521%
Coverdell ESA 0.70% / 0.7018% 0.75% / 0.7521%
Special Shares 0.20% / 0.2002% 0.25% / 0.2502%

* APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of September 30th, 2020. 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 0.20% / 0.2002%
$100,000.01 – $500,000.00 0.25% / 0.2503%
$500,000.01 – $1,500,000.00 0.30% / 0.3004%
$1,500,000.01 – $4,500,000.00 0.35% / 0.3506%
$4,500,000.01 – & Over 0.67% / 0.6721%

 

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 October 1st, 2020. 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 0.35% / 0.3506%
$1,500,000.01 – $2,500,000.00 0.40% / 0.4007%
$2,500,000.01 – $3,500,000.00 0.45% / 0.4509%
$3,500,000.01 – $4,500,000.00 0.90% / 0.9037%
$4,500,000.01 – & Over 1.05% / 1.0551%

 

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 October 1st, 2020. 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.

Momentum Share Certificate**
Dividend Rate / APY*
$1000.00 – $49,999.99 $50,000.00 – $99,999.99 $100,000.00 & Over
7 Months Special 0.30% / 0.3004% 0.35% / 0.3506% 0.40% / 0.4007%
13 Months Special 0.50% / 0.5011% 0.55% / 0.5514% 0.65% / 0.6519%
25 Months 0.60% / 0.6017% 0.65% / 0.6519% 0.75% / 0.7526%
37 Months 0.65% / 0.6519% 0.70% / 0.7023% 0.80% / 0.8029%

*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of October 1st, 2020. 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 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 0.25% / 0.2503% 0.30% / 0.3004% 0.35% / 0.3506%
12 Months 0.40% / 0.4007% 0.50% / 0.5011% 0.55% / 0.5514%
18 Months 0.45% / 0.4509% 0.55% / 0.5514% 0.60% / 0.6017%
24 Months 0.50% / 0.5011% 0.60% / 0.6017% 0.70% / 0.7023%
36 Months 0.55% / 0.5514% 0.65% / 0.6519% 0.75% / 0.7526%
48 Months 0.75% / 0.7526% 0.85% / 0.8533% 0.95% / 0.9541%
60 Months 0.90% / 0.9037% 0.95% / 0.9541% 1.00% / 1.0046%

*APY = Annual Percentage Yield
**Dividend Rate earned is accurate as of  October 1st, 2020. 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 October 1st, 2020. 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 IRA 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 (Note we are temporarily not offering some of the below loan products) Loan Rate
Personal Loans Up to $75,000 5.99% Flat Rate
Signature Loan Up to $75,000  6.99% Flat Rate
Premier Personal Loans $75,001-$100,000 5.99% Flat Rate
Premier Signature Loans $75,001-$100,000 6.99% Flat Rate
Signature Premium Loan (currently not offering)
Personal Line of Credit Starting as low as 6.99%
Low Doc Loan 7.99% Fixed
Express Loan (currently not offering)
Classic Master Card 9.90% APR
Classic Platinum Card 11.90% APR
Student Loan Prime + 1.50%
Post Graduate Consolidation Variable: Prime + 1.00%
Fixed: as low as 4.99%
Share Secured Loan Dividend + 2.00%
Share Certificate Loan Dividend + 2.00%
New Auto Loans Starting as low as 1.79%
Used Auto Loans Starting as low as 1.99%
Title Loan New Auto Starting as low as 2.04%
Title Loan Used Auto Starting as low as 2.24%
New Motorcycle Loan Starting as low as 4.79%
Used Motorcycle Loan Starting as low as 4.99%
New Commercial Auto Loan Starting as low as 3.79%
Used Commercial Auto Loan Starting as low as 3.99%
Business Loan* Starting as low as Prime + 1.00%

*Rate adjustment at the end of Fixed Period.Thereafter Variable Rate 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  $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
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
Unsecured Loans Application Fee $1,001 – $30,000 $50.00
Unsecured Loans Application Fee $30,001 – $75,000 $100.00
Personal Line of Credit Application Fee $5,000 – $30,000 $50.00
Personal Line of Credit Application Fee $30,001 – $49,000 $100.00
Personal Line of Credit Annual Fee $99.00
Loan Payment Late Fee (Business Loans) $50.00 or 5% of the monthly payment, whichever is higher
Home Mortgage Loan Application Fee $500.00
Auto Loan – Refinance only 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

Business Account Fees

Effective as of October 1st, 2018

MSB Checking Fees
Monthly fee based on monthly check cashing volume. Contact a representative for details Starting at $125.00
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
ATM Business Checking Fee
Below Balance Monthly Fee $10.00
Monthly Account Maintenance Fee $9.99
Cash Withdrawal Fees – Effective August 1, 2019 for all new accounts opened on or after August 1, 2019
(All existing ATM accounts effective September 1, 2019)
.05% per Withdrawals
Transactions more than 100 .25 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
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)

*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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