Image for Rates page
Home > Rates

Rates

Savings and Checking Rates

Dividend Declaration Date August 12, 2020

savings_checking_rates table
Account NameMinimum BalanceDividend RateAPY
Regular, Primary, Holiday Club$5 - $249.000.00%0.00%
$250 - $4,9990.10%0.10%
$5,000 - $9,9990.15%0.15%
$10,000 - $24,9990.20%0.20%
$25,000 - $49,9990.25%0.25%
$50,0000.25%0.25%
Star Savers (0-12 Years Old) or EverGreen(13-17 Years Old)$5 - $249.000.10%0.10%
$250 - $4,9990.10%0.10%
$5,000 - $9,9990.15%0.15%
$10,000 - $24,9990.20%0.20%
$25,000 - $49,9990.25%0.25%
$50,0000.25%0.25%
Noble Primary & Perks Checking$2500.00%0.00%
Noble Perks Plus Checking$00.25%0.25%
Money Market Advantage$2,5000.05%0.05%
$10,0000.10%0.10%
$50,0000.15%0.15%
$100,0000.15%0.15%
$500,0000.15%0.15%
Loyalty Money Market (member for 20 or more years)$2,5000.30%0.30%
$10,0000.35%0.35%
$50,0000.40%0.40%
$100,0000.40%0.40%
$500,0000.40%0.40%
Reverse Money Market$1001.49%1.50%
$25010.99%1.00%
$5,0000.50%0.50%
$7,5000.25%0.25%
$10,0000.10%0.10%

Share and IRA Certificate Rates

Dividend Declaration Date August 12, 2020

share_ira_rates table
Account NameMinimum BalanceDividend RateAPY
3-5 Months$5000.20%0.20%
$10,0000.25%0.25%
$50,0000.30%0.30%
$100,0000.35%0.35%
$250,0000.35%0.35%
6-11 Months$5000.35%0.35%
$10,0000.40%0.40%
$50,0000.40%0.40%
$100,0000.50%0.50%
$250,0000.50%0.50%
1-2 Years$5000.60%0.60%
$10,0000.65%0.65%
$50,0000.65%0.65%
$100,0000.70%0.70%
$250,0000.70%0.70%
2 Years$5000.85%0.85%
$10,0000.90%0.90%
$50,0000.95%0.95%
$100,0001.00%1.01%
$250,0001.00%1.01%
2 Years Three Wishes$5000.75%0.75%
$10,0000.80%0.80%
$50,0000.85%0.85%
$100,0000.90%0.90%
$250,0000.90%0.90%
3 Years$5001.05%1.06%
$10,0001.10%1.11%
$50,0001.10%1.11%
$100,0001.15%1.16%
$250,0001.15%1.16%
19 Months$5000.60%0.60%
$10,0000.65%0.65%
$50,0000.65%0.65%
$100,0000.70%0.70%
$250,0000.70%0.70%
29 Months$5000.85%0.85%
$10,0000.90%0.90%
$50,0000.95%0.95%
$100,0001.00%1.01%
$250,0001.00%1.01%
IRA Money Market$1000.35%0.35%
$10,0000.40%0.40%
$50,0000.45%0.45%
$100,0000.50%0.50%
IRA Share Certificate 3-5 Months$1000.25%0.25%
$10,0000.30%0.30%
$50,0000.35%0.35%
$100,0000.40%0.40%
IRA Money Market$1000.40%0.40%
$10,0000.45%0.45%
$50,0000.45%0.45%
$100,0000.50%0.50%
IRA Share Certificate 1-2 Years$1000.65%0.65%
$10,0000.70%0.70%
$50,0000.70%0.70%
$100,0000.75%0.75%
IRA Share Certificate 2 Years$1000.90%0.90%
$10,0000.95%0.95%
$50,0001.00%1.00%
$100,0001.05%1.06%
Health Savings Accounts$50 - $2,4990.10%0.10%
$2,500 - $4,9990.25%0.25%
$5,000 - $9,9990.50%0.50%
$10,000+1.00%1.01%

Note:

  1. APY is Annual Percentage Yield.
  2. Certificate rates are fixed for the term selected unless otherwise indicated.
  3. Dividends on all Share Certificates compounds monthly.
  4. Members' accounts are insured by the National Credit Union Administration (NCUA) up to $250,000.
  5. Total Noble CU deposits per member is limited to a maximum of $2,000,000.

A penalty will be imposed for withdrawals before maturity. Member's accounts are insured by the National Credit Union Association. If you have any questions or need current rate information on your accounts, please call (559) 252-5000.

Rates subject to change.

NCUA

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.

Loan Rates

August 12, 2020

loan_rates table
Loan TypeFinancing AvailableTerm in MonthsAPR(sup)*(/sup) Rates as low as
New Auto2019 or newerUp to 60 months2.49%
72 months - Min loan amount $15k2.74%
84 months - Min loan amount $20k2.99%
Used Auto2011 - 2018 model yearsUp to 60 months2.74%
with less than 115k miles72 months - Min loan amount $15k2.99%
Up to 84 months - Min loan amount $20k3.24%
New RV/Boat/Motorcycle2020 year modelUp to 72 months - Min loan amount $15k on 72 months only5.70%
RV (Max Amount $100k)Up to 84 months - Min loan amount $20k5.95%
Motorcycle & Boat (Max Amount $75k)Up to 120 months - Min loan amount $25k6.20%
Used RV/Boat/Motorcycle2011 - 2019 year modelsUp to 72 months - Min loan amount $15k on 72 months only6.45%
RV (Max Amount $100k)Up to 84 months - Min loan amount $20k6.70%
Motorcycle & Boat (Max Amount $75k)Up to 120 months - Min loan amount $25k6.95%
Other Secured Vehicle (max $100k)2005 - 2010 or 115k to 150k milesUp to 60 months6.95%
Other Secured RV (max $100k)/Boat/Motorcycle (max $75k)2005 - 2010 or 115k to 150k milesUp to 60 months8.70%
Personal LoanMax loan $15k, Min loan $15k for any term above 60 monthsUp to 24 months8.40%
Up to 36 months8.90%
48 to 84 months9.40%
MyRewards VisaUp to $15kOpen9.90%
MyRewards Loyalty Club Visa(sup)**(/sup)Up to $15kOpen8.90%
Share Secured Visa PlatinumMax limit $2,500.00Open13.99%
Checking OverdraftMin limit $500, Max $15k. Amt determined by CUN/A13.50%
Share SecuredUp to 100% of Available BalanceUp to 60 months3% Over Dividend
Certificate SecuredMax 100% of Available FundsBalloon Pmt due on maturity of Share Certificate3.00% plus Dividend Rate
Fixed EquityMax $200k for Primary Residence & Second Homes. Max $49k for Investment PropertyUp to 240 mo. for Primary Residence and up to 180 mo.for Secondary Homes & Investment Property5.99% to 11.49%
Home Equity Loan Variable Rate Line of CreditMax $200 for Primary Residence & Second Homes. Max $49k for Investment Property10 Year Draw Period3.25% to 8.75%

*APR = Annual Percentage Rate.  All rates displayed are the lowest rates. Actual rate will be based on credit qualification, model year and term of loan. 

The “As low as” rate quoted for auto loans is based on the model year, credit history and term.

**The MyRewards Loyalty Visa Credit Card is offered to members who have been a member of the credit union for at least 20 years.

For Equity Premium Line Variable Rate Line of Credit loans, there is a 10 year draw period and a repayment period of up to 180 months.

General information:  Rates are subject to change without notice.  If you have any questions, please call the credit union at (559) 252-5000 or (800) 613-2328.  To apply for a loan, you can apply over the phone, fax your loan application to (559) 437-2175.