Rates
Share Accounts
Share Draft Accounts
Share Certificates
Special Share Certificates
IRA Certificates
Coverdell ESAs
Roth IRAs
Roth Conversions
Jumbo Certificates
Loan Rates
Financial Calculators
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Rates effective as of
December 21, 2011
Share Account Rates*
Account |
Minimum Balance |
Dividend
Rate |
APY |
Regular |
$25 |
.20% |
.20% |
Christmas |
none |
.40% |
.40% |
Vacation |
$25 |
.40% |
.40% |
Share Draft Account Rates*
Account |
Minimum Balance |
Dividend
Rate |
APY |
Express |
none |
none |
none |
First Class |
$400 |
.15% |
.15% |
Priority |
$5,000 |
.15% |
.15% |
Share Certificate Rates*
Term |
Minimum Balance |
Dividend
Rate |
APY |
3 Months |
$2,000 |
0.40% |
0.40% |
6 Months |
$2,000 |
0.55% |
0.55% |
12 Months |
$2,000 |
0.75% |
0.75% |
18
Months |
$2,000 |
0.85% |
0.85% |
24 Months |
$2,000 |
1.00% |
1.00% |
30
Months |
$2,000 |
1.05% |
1.06% |
Special Share Certificate Rates*
Term |
Minimum Balance |
Dividend
Rate |
APY |
6 Months |
$500 |
0.45% |
0.45% |
12 Months |
$500 |
0.65% |
0.65% |
IRA Certificate Rates
Term |
Minimum Balance |
Dividend
Rate |
APY |
*Share |
none |
0.55% |
0.55% |
12
Months |
$2,000 |
0.75% |
0.75% |
18
Months |
$2,000 |
0.85% |
0.85% |
24 Months |
$2,000 |
1.00% |
1.00% |
30
Months |
$2,000 |
1.05% |
1.06% |
Coverdell ESA Rates
(formerly Educational IRA)
Term |
Minimum Balance |
Dividend
Rate |
APY |
*Share |
none |
0.55% |
0.55% |
12
Months |
$500 |
0.75% |
0.75% |
18 Months |
$500 |
0.85% |
0.85% |
24
Months |
$500 |
1.00% |
1.00% |
30
Months |
$500 |
1.05% |
1.06% |
Roth IRA Rates*
Term |
Minimum Balance |
Dividend
Rate |
APY |
*Share |
none |
0.55% |
0.55% |
12
Months |
$2,000 |
0.75% |
0.75% |
18
Months |
$2,000 |
0.85% |
0.85% |
24
Months |
$2,000 |
1.00% |
1.00% |
30
Months |
$2,000 |
1.05% |
1.06% |
Jumbo Certificate Rates*
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Jumbo Certificates available at negotiable rates. Please contact the credit union at 871-4221
for further information.
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Loan Rates*
Loans |
Approximate
Term** |
APR* |
Auto - New |
up to 72 months |
5.75% - 11.25% |
Auto - New |
up to 60 months |
5.25% - 10.75% |
Auto - Used |
up to 72 months |
6.25% - 11.75% |
Auto - Used |
up
to 60 months |
5.75%
- 11.25% |
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Terms on used vehicles will be
based on amount financed.
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Motorcycle
New or Used |
up to 60 months |
6.25% - 11.25% |
Watercraft
New or Used |
up to 60 months |
7.25% - 13.25% |
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Terms on used watercraft will be
based on amount financed. |
Trailer/Recreational Vehicles |
Motor Homes
New |
up to 120 months |
7.25% - 12.75% |
Motor Homes
Used |
up to 96 months |
7.75% - 13.25% |
Recreational Vehicles- New |
up to 96 months |
7.25% - 12.75% |
Recreational
Vehicles- Used |
up to 60 months |
7.75% - 13.25% |
Equipment Loans |
Lawn Equipment
New |
up to 36 months |
8.25% - 13.75% |
Lawn Equipment
Used |
up to 24 months |
8.75% - 14.25% |
Tractors
New |
up to 60 months |
8.25% - 13.75% |
Tractors
Used
|
up to 48 months |
8.75% - 14.25% |
Computer |
up to 36 months |
10.25% -14.75% |
Line of Credit or Signature Loan |
up to 24 months |
10.00%
- 17.00% |
up to 36 months |
10.00% - 17.00% |
Share Secured |
-- |
3% above current share rate |
VISA Platinum |
9.00% - 16.00% |
Home Loans |
Please contact our Mortgage Department for current rates and more information about our home loans at 871-4221.
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Dividends are earned from the day of deposit to
day of withdrawal and compounded monthly.
For more information on any of our accounts
please contact our member service department
at (615) 871-4221 or 1-800-298-8878.
You can also email your questions to us
through our Feedback Page.
Your Savings federally insured to at least $250,000
and
backed by the full faith and credit of the United States Government.
National Credit Union Administration, A U.S. Government Agency.
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©Copyright 2011 Nashville Post Office Credit Union
All Rights Reserved.
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*All share and share draft accounts are variable rate accounts and the rate may change after the account is opened. Fees or other conditions could reduce the earnings on the account.
Minimum balance must maintain to avoid a monthly service charge of $ 5.00.
On Priority Checking, the $5000.00 balance may be in a share or certificate account.
APY=Annual Percentage Yield
*Substantial penalty for early withdrawal.
*Substantial penalty for early withdrawal except when changing to a regular
certificate. No additional deposits allowed until end of term.
*This is a variable rate account and the rate may change after the account is opened. Substantial penalty for early withdrawals.
*This is a variable rate account and the rate may change after the account is opened. Substantial penalty for early withdrawals.
*This is a variable rate account and the rate may change after the account is opened. Substantial penalty for early withdrawals.
*Substantial penalty for early withdrawals.
** Term is based on amount
financed.
All loan rates stated as APR (Annual Percentage Rate)
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