NEAFCU Rates Overview

Auto Rates New Auto Rates Model Year 2008-2010 New vehicles are defined as not previously registered and/or under 7,000 miles. 36 Months As low as 5.00% APR 48 Months As low as 5.25% APR 60 Months As low as 5.50% APR 72 Months As low as 5.75% APR Used Auto Rates Model Year 2005 - 2008 Used vehicles are defined as pre-owned and less than 70,000 miles. 36 Months As low as 5.50% APR 48 Months As low as 5.75% APR 60 Months As low as 6.00% APR Other Used Auto Rates Model Year 2002 - 2004 Other used vehicles are defined as pre-owned, more than 7 model years older than current year model, OR mileage exceeding 70,000. 36 Months As low as 6.25% APR 48 Months As low as 6.50% APR   Recreational Rates New & Used RV / Boat / Watercraft / Motorcycle / Trailer / Misc. Pricing Model Year 2002-2010 New vehicles are defined as not previously registered and/or under 7,000 miles. 36 Months As low as 5.50% APR* 48 Months As low as 5.75% APR 60 Months As low as 6.00% APR 72 Months As low as 6.50% APR   *Annual Percentage Rate. Please note that members may earn additional rate discounts: 1.  Electing Direct Deposit and/or Auto       Pay .25% 2.  Electing Payment Protection with      Credit Disability Insurance .25% 3.  Each down payment of 10%      discounts .10% up to .50% 4.  Electing for Credit Union Credit Card     .10% 5.  Electing for Share Draft Account      .10%     Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply. See a loan officer for details.

Money Market Last declared dividend rate: $2,500-$24,999 1.00 - Dividend 1.01 APY* $25,000 and up 1.50 - Dividend 1.51- APY *APY stands for Annual Percentage Yield.

Share Certificate Rates Share Certificates Members are given a variety of investment choices with our certificates from 6 to 36 months. $500 minimum investment 6 Months 1.00 - Dividend 1.00 - APY* 12 Months 1.50 - Dividend 1.51 - APY 24 Months 1.75 - Dividend 1.76 - APY 36 Months 2.25 - Dividend 2.27 - APY       *APY stands for Annual Percentage Yield.

Share Savings Rates APR APY .50 - Dividend .50 - APY* *APY stands for Annual Percentage Yield.

Christmas Club Rates APR APY 4.89- Dividend 5.00- APY* *APY stands for Annual Percentage Yield.

IRA Rates IRA Share (variable) 2.00-Dividend 2.02 - APY*   $25 min. 12 Months 1.75 - Dividend 1.76 - APY $500 min. 24 Months 2.25 - Dividend 2.27 - APY $500 min.  *APY stands for Annual Percentage Yield.

Home Rates 1st MORTGAGE 95%** AMORTIZATION 3 Year Balloon 4.00% APR 30 Years 5 Year Balloon 4.25% APR 30 Years 7 Year Balloon 4.75% APR 30 Years 10 Year Balloon 5.00% APR 30 Years 20 Year Balloon 5.99% APR 30 Years 2nd MORTAGE 85% AMORTIZATION 3 Year Balloon 6.99% APR 15 Years HOME EQUITY LINE OF CREDIT Variable Rate with 5 year draw period 6.00% APR  15 Years from last draw CONSTRUCTION  85%  AMORTIZATION Residential Only  5.99% APR 1 Year LAND ONLY 85%  AMORTIZATION 3 Year Balloon 5.99% APR  15 Years  Real Estate Loans are not subject to discounts. *LTV's between 85% and 95% require Mortgage Insurance.

Loan Rates Share and CD Secured No credit report required. Regular Shared Secured CD Secured 3% above current share savings rate, 90% LTV 2% above current pledged certificate rate, 90% LTV Signature Loans > 12 Months As low as 8.95% APR* 24 Months As low as 8.95% APR 36 Months As low as 9.5% APR 48 Months As low as 10.25% APR 60  Months As low as 10.5% APR Annual Percentage Rate. Rates are for qualified borrowers dependent upon credit score. Other restrictions may apply.  See a loan officer for details.