CONSUMER | BUSINESS
Consumer Loans Checking/Savings Certificates Real Estate Credit Cards

Consumer Loans

Effective Date: October 11, 2018

Vehicles

DescriptionAnnual Percentage Rate (APR)Terms
Cars & Trucks New3.69% to 18.00%48 to 84 Months
Cars & Trucks Used3.69% to 18.00%48 to 84 Months
Recreational Vehicles New5.38% to 13.19%72 to 180 Months
Recreational Vehicles Used5.38% to 13.19%72 to 180 Months
Recreational Boats New5.50% to 15.00%72 to 180 Months
Recreational Boats Used5.50% to 15.00%72 to 180 Months
Aircraft New/Used5.05% to 8.10%Up to 180 Months
Amortized up to 240 Months (1)
Motorcycles3.25% to 12.00%36 to 72 Months
Snowmachines, ATV, Jet Ski New3.25% to 12.00%Up to 48 Months
Snowmachines, ATV, Jet Ski Used3.25% to 12.00%Up to 36 Months

Lifestyle

DescriptionAnnual Percentage Rate (APR)Terms
New Computers8.35% to 12.85%Up to 36 Months
Secured SavingsSavings rate + 2%
Savings rate + 2.5%
Savings rate + 3%
Up to 36 Months
37 to 60 Months
Over 60 Months
Secured CertificateCertificate Rate +3%Term of Certificate
Quick Cash16.00%Revolving Line of Credit; Payment = 3% of Outstanding Balance
Vari-Quick12.00% (variable)
(Prime rate + 6.75%)
Revolving Line of Credit; Payment = 3% of Outstanding Balance
Signature Loans14.95% to 18.00%Up to 48 Months

All loan interest rates subject to change without notice. There may be additional third-party fees. For more information, call the loan center at 257-7283. Actual APR on some loans may be higher based on loan amount and term selected.

(1) A balloon payment for the balance owed is due 180 months from the loan date.




To View or Print Consumer Loan Rates Click Here

Savings and Checking accounts

Effective Date: September 01, 2016

Savings

DescriptionDividend RateAnnual Percentage Yield (APY)Minimum Opening BalanceMinimum Balance to Earn APYMinimum to Avoid Service FeeDividend Compounded and CreditedDividend Period
Basic Savings
$0-2,499.99
$2,500.00+
0.10%
0.10%
0.10%
0.10%
$5$100See Fee ScheduleMonthlyMonthly
Target Savings
$0-2,499.99
$2,500+
0.10%
0.10%
0.10%
0.10%
$0$100N/AMonthlyMonthly
Kids Prospector Club /
Teen Power Savings

$0-2,499.99
$2,500+
0.10%
0.10%
0.10%
0.10%
$5$100N/AMonthlyMonthly
Money Market Savings
$5,000-14,999.99
$15,000-49,999.99
$50,000.00+
0.20%
0.25%
0.30%
0.20%
0.25%
0.30%
$0
$5,000
$15,000
$50,000
$100MonthlyMonthly

IRA Savings

DescriptionDividend RateAnnual Percentage Yield (APY)Minimum Opening BalanceMinimum Balance to Earn APYMinimum to Avoid Service FeeDividend Compounded and CreditedDividend Period
Savings0.20%0.20%$0$100N/AMonthlyMonthly

Checking

DescriptionDividend RateAnnual Percentage Yield (APY)Minimum Opening BalanceMinimum Balance to Earn APYMinimum to Avoid Service FeeDividend Compounded and CreditedDividend Period
Denali Checking--$0-N/A--
Advantage0.05%0.05%$0$1,000$100MonthlyMonthly
Advantage Plus0.05%0.05%$0$1,000N/AMonthlyMonthly
Advantage Legacy0.05%0.05%$0$1,000$100MonthlyMonthly
Advantage Legacy Plus0.05%0.05%$0$1,000N/AMonthlyMonthly
Checking Plus0.05%0.05%$0$1,000$500MonthlyMonthly

Rates subject to change without notice. For additional information including current rates, yields & restrictions call Nuvision Federal Credit Union, d/b/a Denali. A division of Nuvision Credit Union at 907-257-7200 Opt. 3. Accounts at Denali. A division of Nuvision Credit Union are insured by the National Credit Union Administration up to $250,000. Please read attached disclosures.




To View or Print Deposit Rates Click Here

Truth in Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

1. Rate Information

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. All dividend bearing accounts except for Advantage Legacy Plus and Checking Plus accounts are Tiered Rate Accounts. For these accounts if the balance is within a particular tier range, the Dividend Rate and APY for that tier range will apply to the entire balance in the account. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective date shown above. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

a. Nature of Dividends.
Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are the rates and yields for the last dividend period as set forth above.

b. Compounding and Crediting.
Dividends will be compounded and credited as set forth above. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

c. Accrual of Dividends.
Dividends will begin to accrue on noncash deposits (e.g., checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

2. Balance Information

The minimum balance required to open each account and earn the stated Annual Percentage Yield is set forth above. If you do not maintain the minimum balance, you will not earn the stated Annual Percentage Yield. For all accounts, dividends are calculated using the Daily Balance method, which applies a daily periodic rate to the balance in the account each day.

3. Account Limitations

For Money Market accounts, no more than six preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.

4. Certificate Account Features

a. Special Eligibility Requirements for Member Rewards Certificates.

MRC accounts are available to members who maintain a checking account with direct deposit of payroll or other recurring deposit and a VISA check card or credit card. Household members (members of the immediate family living in the same household) of an eligible member are also eligible. Each member may have only one MRC account.

b. Account Limitations.
After your account is opened, you may not make additional deposits to a Certificate account except for the Member Rewards Certificate Account (MRC). Additional deposits may be made to the MRC account at any time, subject to the maximum balance limitation of $2,500.00.

c. Maturity.
Your Certificate account will mature on the maturity date set forth on your Account Receipt or Renewal Notice.

d. Early Withdrawal Penalty.
We may impose a penalty if you withdraw any of the principal of your Certificate account before the maturity date, according to the amounts specified below:

i. Amount of Penalty. Our penalties are on earned dividends only and are equal to the lesser of: (1) all dividends earned since purchase or (2) 90-days dividend for Certificates of 6 months, 180 days for Certificates of 12 months, 270 days for Certificates of 15 months and 18 months, 360 days for Certificates of 24 months, 450 days for Certificates of 30 months, and 540 days for IRA Certificates of 36 months.

ii. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividend that has been or would be earned at the nominal dividend rate on the account.

iii. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment or where the account is an IRA and the owner attains age 59 1/2 or becomes disabled and begins making periodic withdrawals.

e. Renewal Policy.
Certificate accounts are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

f. Nontransferable/Nonnegotiable.
Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

Certificates

Effective Date: September 24, 2018

Certificates

DescriptionDividend RateAnnual Percentage Yield (APY)Minimum Opening BalanceMinimum Balance to Earn APYMinimum to Avoid Service FeeDividend Compounded and CreditedDividend Period
6 Months
$0-24,999.99
$25,000+
0.65%
0.65%
0.65%
0.65%

$500
$25,000

$500
$25,000
-MonthlyMonthly
12 Months
$0-24,999.99
$25,000+
1.54%
1.54%
1.55%
1.55%

$500
$25,000

$500
$25,000
-MonthlyMonthly
18 Months
$0-24,999.99
$25,000+
1.89%
1.89%
1.91%
1.91%

$500
$25,000

$500
$25,000
-MonthlyMonthly
24 Months
$0-24,999.99
$25,000+
2.13%
2.13%
2.15%
2.15%

$500
$25,000

$500
$25,000
-MonthlyMonthly
30 Months
$0-24,999.99
$25,000+
2.42%
2.42%
2.45%
2.45%

$500
$25,000

$500
$25,000
-MonthlyMonthly

Member Rewards Certificate (MRC)

DescriptionDividend RateAnnual Percentage Yield (APY)Minimum Opening BalanceMinimum Balance to Earn APYMinimum to Avoid Service FeeDividend Compounded and CreditedDividend Period
12 Months
$0-2,500
1.20%1.21%
$100

$100

-

N/A

Monthly

Traditional IRA, ROTH IRA & ROTH Conv. IRA

DescriptionDividend RateAnnual Percentage Yield (APY)Minimum Opening BalanceMinimum Balance to Earn APYMinimum to Avoid Service FeeDividend Compounded and CreditedDividend Period
12 Months
$0-24,999.99
$25,000+
1.54%
1.54%
1.55%
1.55%

$500
$25,000

$500
$25,000
-MonthlyMonthly
24 Months
$0-24,999.99
$25,000+
2.13%
2.13%
2.15%
2.15%

$500
$25,000

$500
$25,000
-MonthlyMonthly
36 Months
$0-24,999.99
$25,000+
2.42%
2.42%
2.45%
2.45%

$500
$25,000

$500
$25,000
-MonthlyMonthly

Rates subject to change without notice. For additional information including current rates, yields & restrictions call Nuvision Federal Credit Union, d/b/a Denali. A division of Nuvision Credit Union at 907-257-7200 Opt. 3. Accounts at Denali. A division of Nuvision Credit Union are insured by the National Credit Union Administration up to $250,000. Please read attached disclosures.




To View or Print Deposit Rates Click Here

Truth in Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

1. Rate Information

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. All dividend bearing accounts except for Advantage Legacy Plus and Checking Plus accounts are Tiered Rate Accounts. For these accounts if the balance is within a particular tier range, the Dividend Rate and APY for that tier range will apply to the entire balance in the account. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective date shown above. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

a. Nature of Dividends.
Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are the rates and yields for the last dividend period as set forth above.

b. Compounding and Crediting.
Dividends will be compounded and credited as set forth above. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

c. Accrual of Dividends.
Dividends will begin to accrue on noncash deposits (e.g., checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

2. Balance Information

The minimum balance required to open each account and earn the stated Annual Percentage Yield is set forth above. If you do not maintain the minimum balance, you will not earn the stated Annual Percentage Yield. For all accounts, dividends are calculated using the Daily Balance method, which applies a daily periodic rate to the balance in the account each day.

3. Account Limitations

For Money Market accounts, no more than six preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.

4. Certificate Account Features

a. Special Eligibility Requirements for Member Rewards Certificates.

MRC accounts are available to members who maintain a checking account with direct deposit of payroll or other recurring deposit and a VISA check card or credit card. Household members (members of the immediate family living in the same household) of an eligible member are also eligible. Each member may have only one MRC account.

b. Account Limitations.
After your account is opened, you may not make additional deposits to a Certificate account except for the Member Rewards Certificate Account (MRC). Additional deposits may be made to the MRC account at any time, subject to the maximum balance limitation of $2,500.00.

c. Maturity.
Your Certificate account will mature on the maturity date set forth on your Account Receipt or Renewal Notice.

d. Early Withdrawal Penalty.
We may impose a penalty if you withdraw any of the principal of your Certificate account before the maturity date, according to the amounts specified below:

i. Amount of Penalty. Our penalties are on earned dividends only and are equal to the lesser of: (1) all dividends earned since purchase or (2) 90-days dividend for Certificates of 6 months, 180 days for Certificates of 12 months, 270 days for Certificates of 15 months and 18 months, 360 days for Certificates of 24 months, 450 days for Certificates of 30 months, and 540 days for IRA Certificates of 36 months.

ii. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividend that has been or would be earned at the nominal dividend rate on the account.

iii. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment or where the account is an IRA and the owner attains age 59 1/2 or becomes disabled and begins making periodic withdrawals.

e. Renewal Policy.
Certificate accounts are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

f. Nontransferable/Nonnegotiable.
Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

Real Estate Loan Rates

Effective Date: November 14, 2017

Home & Real Estate

DescriptionAnnual Percentage Rate (APR)TermsFees
Home LoansVariesVarieswww.denalifcuhomeloans.com
Equity Advantage
(Home Equity Line of Credit)
VARIABLE RATE
1st DOT:
26 Wk. T-Bill + 4.848%-5.848%
2nd DOT:
26 Wk T-Bill + 5.348%-6.348%
Revolving Line of Credit
84 Month Draw Period
180 Month Maximum Repayment Term
Floor Rate 6.00%-7.50%
.50%-1% Loan Fee
Not Less than $500
Equity Advantage
(Home Equity Line of Credit)
FIXED RATE
6.25%-7.25%
6.75%-7.75%
Revolving Line of Credit
84 Month Draw Period
180 Month Maximum Repayment Term

120 Months
180 Months
.50%-1% Loan Fee
Not Less than $500
Residential Lot/
Land Loan
8.00%-9.00%
8.50%-9.50%
9.00%-10.00%
60 Months
84 Months
144 Months
Up to 2% Loan Fee
Not Less than $500

Construction

DescriptionAnnual Percentage Rate (APR)TermsFees
Interim Construction
(Owner/Builder)
7.25%-8.75%12 Months2% Loan Fee

All loan interest rates subject to change without notice. There may be additional third party fees. For more information, call Denali Home Loans at 257-1601. Actual APR on some loans may be higher based on loan amount and term selected.


To View or Print Real Estate Rates Click Here

VISA Credit Cards

Effective Date: October 11, 2018

Credit Card

Visa CardAnnual Percentage Rate (APR)Variable-rate Information Your APR may varyTermsFees
Platinum Visa Card10.75%Add
5.50%
to the Prime Rate*
Revolving Line of Credit
Payment = 3% of Monthly Balance or $20 whichever is greater.
Annual -0-
Late Payment $15
Gold Visa Card12.75%Add
7.50%
to the Prime Rate*
Revolving Line of Credit
Payment = 3% of Monthly Balance or $20 whichever is greater.
Annual -0-
Late Payment $15
Classic Visa Card15.25%Add
10.00%
to the Prime Rate*
Revolving Line of Credit
Payment = 3% of Monthly Balance or $20 whichever is greater.
Annual -0-
Late Payment $15
Secured Visa Card15.25%Add
10.00%
to the Prime Rate*
Revolving Line of Credit
Payment = 3% of Monthly Balance or $20 whichever is greater.
Annual $15
Late Payment $15

All loan interest rates subject to change without notice. There may be additional fees.

For current information, call us at 907-257-7200 Opt. 3.

* The periodic rate and Annual Percentage Rate may change on the first day of each billing cycle based on the index rate published on the last business day of the prior billing cycle.


To View or Print Credit Card Rates Click Here