Share Rates

Share Accounts
Term	Minimum	Compounding	Dividend Rate	APY*	W/D Allowed
Daily	$5.00	Quarterly	0.10	0.10	Yes
* Annual Percentage Yield
Dividends are compounded quarterly, from date of deposit to date of withdrawal. Dividends are paid quarterly and computed on a full share of $5.00.
Account must remain open through the end of the quarter to receive the quarterly dividend.
Club Accounts
Term	Minimum	Compounding	Dividend Rate	APY*	W/Ds Allowed
Daily	$0.00	Quarterly	0.10	0.10	Yes
* Annual Percentage Yield
Dividends are compounded quarterly, from date of deposit to date of withdrawal. Dividends are paid quarterly and computed on a full share of $5.00.
Account must remain open through the end of the quarter to receive the quarterly dividend.
Checking Account
Term	Minimum	Compounding	Dividend Rate *	APY	W/Ds Allowed
N/A	$0.00	N/A	0.00	0.00	Yes
No monthly service fee - No per-check charges
- No minimum balance * Account does not earn dividends.
Share Certificate Account
Term	Minimum	Compounding	Dividend Rate	APY*	W/Ds Allowed
30-60	1,000.00	Monthly	0.20	0.20	Yes**
90 - 179	2,500.00	Monthly	0.25	0.25	Yes**
180 - 269	5,000.00	Monthly	0.25	0.25	Yes**
270 - 365	7,500.00	Monthly	0.30	0.30	Yes**
* Annual Percentage Yield. ** 1 withdrawal per month allowed down to minimum.
Liquid Jumbo Certificate
Term	Minimum	Compounding	Dividend Rate	APY*	W/Ds Allowed
90 - 180	50,000.00	Monthly	0.35	0.35	Yes**
* Annual Percentage Yield. ** Additions or withdrawals ( down to minimum ) may be made at any time during the month.
High Yield Certificate
Term	Minimum	Compounding	Dividend Rate	APY*	W/Ds Allowed
9 Months	10,000.00	Monthly	0.40	0.40	No**
* Annual Percentage Yield ** No additions or withdrawals allowed
Early withdrawal penalty will be 30 days loss of dividends.
High Yield Jumbo Certificates
Term	Minimum	Compounding	Dividend Rate	APY*	W/Ds Allowed
6 Months	50,000.00	Monthly	0.45	0.45	No**
12 Months	50,000.00	Monthly	0.50	0.50	No**
* Annual Percentage Yield ** No additions or withdrawals allowed.
Early withdrawal penalty will be 30 days loss of dividends.
IRA / Roth IRA / Education Share Certificate Account
Term	Minimum	Compounding	Dividend Rate	APY*	W/Ds Allowed
12 Months	$1.00	Monthly	0.80	0.80	Yes***
36 Months	$1.00	Monthly	1.00	1.00	Yes***
* Annual Percentage Yield. Early withdrawal penalty will be up to 30 days loss of dividends (or 90 days on 36 month term).
Notes for All Certificate Accounts: Dividends are calculated monthly and at maturity and can be compounded or transferred.
Additions to regular share certificates may be made at maturity only.

Loan Rates

Share Secured
Loan Amounts	Annual Percentage Rate	Maximum Term
100% of Available Balance	Adjustable	144 Months
Minimum monthly payment of $20.00. APR is 1% Above Share Rate
Certificate Secured
Loan Amounts	Annual Percentage Rate	Maximum Term
100% of Available Balance	2% Above Cert. Rate	12 Months
Loans must mature by the Certificate maturity date.
New Vehicle
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
$1,000 to $100,000	2.50	36 Months
$1,000 to $100,000	2.95	60 Months
$15,000 to $100,000	3.95	72 Months
$ 30,000 to $100,000	4.95	84 Months
Any car purchased new within six months of the purchase date, will qualify for the New Auto Rate.
Loans may include tax, license and service contract or CU Mechanical Breakdown Insurance Policy (MBI).
* Your rate may vary based on credit score.
Used Vehicle
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
$1,000 to $75,000	2.50	36 Months
$1,000 to $75,000	2.95	60 Months
$15,000 to $75,000	3.95	72 Months
Loans may include tax and license if purchase price is less than 100% of base retail Blue Book.
In addition, you may include a service contract or CU Mechanical Breakdown Insurance Policy (MBI).
* Your rate may vary based on your credit score.
New Recreational Vehicle
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
$1,000 to $100,000	2.50	36 Months
$1,000 to $100,000	2.95	60 Months
$15,000 to $100,000	3.95	72 Months**
$30,000 to $100,000	4.95	84 Months**
Any car purchased new within six months of the purchase date, will qualify for the New Auto Rate.
Loans may include tax, license and service contract or CU Mechanical Breakdown Insurance Policy (MBI).
* Your rate may vary based on your credit score. ** Up to 90% financing, including tax and license on new recreational vehicles.
Used Recreational Vehicle
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
$1,000 to $75,000	2.50	36 Months
$1,000 to $75,000	2.95	60 Months
$15,000 to $75,000	3.95	72 Months
Maximum amount of loan not to exceed 100% of wholesale value.
* Your rate may vary based on your credit score
New Motorcycle
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
$500 to $25,000	2.50 to 3.95	36 to 72 Months
Up to 90% financing.
* Your rate may vary based on your credit score.
Used Motorcycle
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
$500 to $20,000	2.50 to 3.95	36 to 72 Months
Maximum amount of loan not to exceed 100% of wholesale value.
* Your rate may vary based on credit score.
Signature
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
Up to $15,000	10.9	Up to 48 Months
Loan amounts of less than $5,000, maximum term 36 months.
* Your rate may vary based on credit score.
Line of Credit
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
Up to $15,000	9.9	Up to 48 Months
Pre-approved line-of-credit loans will speed up your loan request. As part of our annual review a credit report will be run to validate your credit standing.
* Your rate may vary based on credit score.
VISA Card
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
Up to $25,000	9.9	Revolving
Fixed rate - no annual fee 25-day grace period for purchases. Minimum monthly payment of 3%. A Visa limit increase request may result in a higher rate on new activity and exsisting balances.
* Your rate may vary based on credit score
Secured VISA
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
Up to $5,000	12.9	Revolving
Fixed rate - no annual fee 25-day grace period for purchases. Minimum monthly payment of 3%
* Your rate may vary based on credit score.
Computer
Loan Amounts	Annual Percentage Rate	Maximum Term
	As Low As *
Up to $5,000	9.90	Up to 36 Months
Collateral considered: computer, related hardware & software.
* Your rate may vary based on credit score.
Real Estate: 1st Trust Deed
NBCUEFCU has a 1st Trust Deed mortgage loan program with competitive rates.
Members can apply for a 1st mortgage by visiting our Mortgage Center @ www.nbcuefcu.varris.com
Real Estate: Home-Equity LOC
Maximum Loan	Annual Percentage Rate	Up To
$1,000 - $150,000	*Prime	240 Months
	Lowest rate 4%
Owner occupied. Loan $ = appraised $x70% less encumbrances. Open-end rate may change 1st day of January and July.
*As of December 16 th , 2008 - Prime Rate = 3.25%
Real Estate: Closed-End
Maximum Loan	Annual Percentage Rate	Up To
$ 5,000 - 75,000	6.5%	120 Months
$25,000 - 150,000	7.0	240 Months
Owner occupied. Loan $ = appraised $x75% less encumbrances.