REGULAR SHARE ACCOUNTS
Establish your "share" of ownership

When you join NBC Employees Federal Credit Union by opening a Regular Share Account, you are establishing a cooperative "Share" of member/ownership. Your Share Account establishes your right to enjoy all other Credit Union services.

Regular Share Accounts must maintain a balance of $5 or more. Competitive dividends are earned from the date of deposit to the date of withdrawal, and are posted and compounded quarterly. Members may make up to six free withdrawals of less than $250 per month, then pay a $2 fee for each additional withdrawal. There is no limit on withdrawals of $250 or more.

In addition to savings, Regular Share Accounts can be used to make pre-authorized loan payments... ask one of our Membership Representatives for details.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
IRAs let individual wage earners save up to $2,000 a year, while deferring income taxes on that money and the dividends it earns. A wage earner with a non-working spouse may save up to $2,250.

Under current tax laws, the full tax benefit of IRAs are available to persons not covered by a qualified pension plan, to all single tax filers earning less than $25,000 a year and to joint tax filers earning combined incomes of less than $40,000 (even if they are covered by a qualified pension plan). All IRA dividends are tax-deferred, regardless of eligibility for tax deductions.

IRA Certificates including ROTH and Education are available in terms of one or three years, Ask us for more details.

NOTE:  Laws regarding IRA tax deduction eligibility may change periodically. Please consult your tax advisor for current laws and details about eligibility in your specific circumstances.

TRUTH IN SAVINGS DISCLOSURE
June 1, 1998

Truth in Savings Disclosures for Regular Share Accounts, Holiday Club Accounts, Share and IRA Certificate Accounts. Please read the Truth in Savings Disclosure information as it can change at any time.

VEHICLE LOANS
New, Used, Cars, Trucks, RVs, Motorcycles, Boats

Vehicle financing is available at the Credit Union for new and used cars, trucks, RVs, motorcycles and boats.

VEHICLE LOAN PRE APPROVAL
Most vehicle loans can be pre approved, offering members a considerable bargaining advantage during dealer negotiations.

RECREATIONAL VEHICLE LOANS
New RV Loans are available to qualified members. Ask us for current rates.

Recreational Vehicle loans include RVs. motor homes, travel trailers, campers, van conversions and boats.

For a loan application or more details, stop by the office or call:

"ALL LOAN APPLICATIONS RECEIVE A FAIR, CONFIDENTIAL REVIEW"

PERSONAL LOANS
Affordable, Convenient Loans

All members of NBC Employees Federal Credit Union are eligible to apply for affordable, convenient loans. The loan amount for which you are approved may vary based on factors such as income, and/or credit history. All loan applications receive a fair, confidential review.

SIGNATURE LOANS
Signature loans are available for fixed terms and are made solely on the personal signature of the borrower. A member may qualify for a Signature Loan of up to $15,000, based upon guidelines established by Credit Union Loan Policy.

SHARE & CERTIFICATE SECURED LOANS
Existing Share and Certificate Accounts may be used to secure loans for up to 100% of the available account balance, at 1% above the current Share rate or 2% above the Certificate rate. This is an ideal way to borrow for individual or family needs without sacrificing savings! During the period in which this type of loan is outstanding, the Share or Certificate balance securing it may not be withdrawn. And, for Certificate-secured loans, the repayment period will coincide with the Certificate term (maturity date).

HOME LOANS
Accomplish your financial goals with the equity in your home

• Borrow up to $100,000 (or 80% of appraised value, less 1st TD)
• No Points
• No Repayment Penalties
• No Annual Maintenance Fee!
• Competitive Rates
• Tax Advantages (ask your financial counselor or tax advisor for details.)

"Share Accounts... the Foundation of Credit Union Membership"

Share Certificate Accounts
Share Certificate Accounts earn higher dividends than Share Accounts in exchange for guaranteed terms of investment. Withdrawals may be made once a month without penalty, as long as the minimum balance is maintained.

You may choose your own Certificate term, any member of days from 30 to 365. A term of 30 to 60 days requires a minimum deposit of $1,000; 90 to 179 days requires a $2,500 deposit; 180 to 269 days a $5,000 deposit; and 270 to 365 days a $7,500 deposit.

There is also a Jumbo Certificate with a minimum opening deposit of $50,000 and a term of 90 to 180 days. Jumbo Certificate Accounts permit subsequent deposits and withdrawals down to the minimum balance.

CLUB ACCOUNTS
Club Accounts let you save for summer vacations or winter holidays, with your choice of a June or December maturity date. Dividends are earned at the same rate as Regular Share Accounts. Members automatically receive a check for the amount saved and dividends earned upon maturity. Club accounts renew automatically each maturity period.

SAFETY...
At NBC Employees Federal Credit Union, all member accounts are federally insured up to $100,000 by the National Credit Union Share Insurance Fund (NCUSIF), a U.S. Government Agency. In addition, IRA's are separately insured up to $100,000 by the NCUSIF.

To further secure your investments, the Credit Union maintains strict internal controls for safe and sound operations. No foreign loans, commercial loans or energy development loans are made. NBCEFCU invests primarily in YOU and your fellow member-owners, in the form of low-cost member loans.

For current rate information please call our Rate Hotline, (818) 840-4007 Ext. 3. Or view our Rates Page.
For personalized assistance opening any savings account, stop by the office or call:

NEW VEHICLE LOANS
New Vehicle Loans for cars and trucks are available in amounts up to $50,000 for 100% of the purchase price, including tax, license and Credit Union Mechanical Breakdown Insurance (MBI). Repayment terms are available up to 60 months.

USED VEHICLE LOANS
Financing for used vehicles is available in amounts up to 100% of wholesale value as determined by Blue Book guidelines. The maximum loan amount is $40,000, with repayment terms up to 60 months.

RE-FI & EQUITY LOANS
Vehicles financed with other lenders can be refinanced through NBCEFCU for up to the wholesale Blue Book value. Repayment terms are available up to 60 months, and the Credit Union generally can offer a more competitive rate.

Vehicles owned free and clear can be used as collateral for auto equity loans. Members can borrow up to 100% of the vehicle's wholesale Blue Book value, and can repay in terms up to 60 months. An auto inspection is required and the vehicle must have a California title to qualify.

PERSONAL LINE OF CREDIT
For budget flexibility and convenience, the Credit Union offers a pre approved, unsecured line-of-credit loan that can be accessed whenever a need arises. Available for up to $15,000, based on monthly income, credit history and other qualifications, it offers generally lower interest rates than bank and department-store credit cards. The revolving line-of-credit loan is an affordable choice for a variety of consumer needs, and Payroll Deduction is available as a convenient, automatic repayment option (when available through your employer).

COMPUTER LOANS
Finance the purchase of new computer equipment with this fixed-rate loan, repayable in up to 36 months at a special low rate. The maximum loan amount is $5,000 and funds may be used for any hardware or software purchase.

For a loan application or more details, stop by the office or call:

FIRST TRUST DEEDS
The Credit Union offers both fixed and adjustable-rate First Trust Deed referrals for owner-occupied homes in Southern California. Loans feature no prepayment penalties and competitive interest rates based on current market conditions. Please call for full details.

If you have any questions about Home Equity Line-of-Credit loans or would like assistance determining the best type of loan for your needs, stop by the office or call: