NAECU is here to help you in any way we can! Should you have any accessibility issues with our site please call us during business hours at 256-534-2423 and we will personally assist you with anything you need.
NAECU logo

Our Auto Loan Rates are typically much lower than those at the dealerships. Currently, our auto rates are as low as 5.50% APR for up to 72 months. Compare and save!  

Savings Dividend Rates

Apply Now (opens in new window)

Account Type Dividend Rate APY Rate
LAST DIVIDEND DECLARATION DATE: March 31, 2025
Share Accounts
$100 minimum balance
0.25% 0.25%
Club Accounts 0.25% 0.25%
Round Up Accounts (Debit Card Transactions)
$0.01-$2,500.00
2.25% 2.25%
Round Up Accounts (Debit Card Transactions)
$2,500.01 and above
.25% .25%
Super Shares Account
Rate based on Average Daily Balance over Period of $2,000 to $9,999.99
1.45% 1.46%
Super Shares Account
Rate based on Average Daily Balance over Period of $10,000 to $49,999.99
1.50% 1.51%
Super Shares Account
Rate based on Average Daily Balance over Period of $50,000 and above
1.65% 1.66%
PROSPECTIVE DIVIDEND RATE & APY: June 30, 2025
Share Accounts
$100 minimum balance
0.25% 0.25%
Club Accounts 0.25% 0.25%
Round Up Accounts (Debit Card Transactions)
$0.01-$2,500.00
2.25% 2.27%
Round Up Accounts (Debit Card Transactions)
$2,500.01 and above
.25% .25%
Super Shares Account
Rate based on Average Daily Balance over Period of $2,000 to $9,999.99
1.45% 1.46%
Super Shares Account
Rate based on Average Daily Balance over Period of $10,000 to $49,999.99
1.50% 1.51%

Super Shares Account

Rate based on Average Daily Balance over Period of $50,000 and above

1.65%1.66%

PROSPECTIVE DIVIDEND RATE & APY: OCTOBER 31, 2025
Christmas Club Account 0.75% 0.75%
Christmas Club Last Declared Dividend Rate & APY for October 31, 2024 0.85% 0.85%