Interest Rates

Loan Rates

Revised: May 1, 2008

All rates subject to change

New or Used Vehicles

Fixed Rate Home Equity Loans, Motor Homes, Campers, Large Boats, Airplanes

Up To 100% Financing Available For New Purchases.

Home Equity Line of Credit

5.00% - One Year Adjustable Rate

10 Year Maximum Term

Snowmobiles, ATVs, Small Boats, Computers, Commercial Equipment*

6.99%

3 Year Maximum Term

* Longer terms available for Commercial Equipment

Unsecured Loans

Savings Secured Loans

2.00% Above Dividend Rate

Share or Term Share (Certificate) Secured

Home Mortgages

NSFCU offers a complete line of first mortgage loans including secondary market,

in-house, construction, fixed and adjustable rate loans.

Please speak to a lender for up to the minute rates and terms

Revised: July 30, 2008

All rates subject to change.

Term Share (Certificate) Accounts (1)

Term	Minimum	Savings Certificates APY² / Dividend Rate	IRA / Roth IRA Certificates APY² / Dividend Rate
6 Months	$500.00	2.25% / 2.23%	2.25% / 2.23%
12 Months	$500.00	2.25% / 2.23%	2.25% / 2.23%
18 Months	$500.00	2.50% / 2.47%	2.50% / 2.47%
24 Months	$500.00	2.50% / 2.47%	2.50% / 2.47%
36 Months	$500.00	2.90% / 2.86%	2.90% / 2.86%
48 Months	$500.00	3.10% / 3.06%	3.10% / 3.06%
60 Months	$500.00	3.40% / 3.35%	3.40% / 3.35%

All Savings/IRA Certificates compound and pay dividends monthly.

**Youth Advantage Term Share Certificate; $25.00 Minimum; Issued Through Age 21.

Money Market Term Share (Certificate) Accounts(1)

Term	Minimum	APY² / Dividend Rate	Dividend
3 Months	$10,000.00	2.25% / 2.23%	Compounded/Paid Monthly

Other Deposit Products

Account	APY² / Dividend Rate	Dividend
Advantage Checking Superior Plan Checking	.50% / .50%	Compounded/Paid Monthly Avg. Monthly Balance of $1000 to earn dividends
Share Savings	.50% / .50%	Compounded/Paid Monthly
Secondary Share Savings	.50% / .50%	Compounded/Paid Monthly
Holiday Club	.50% / .50%	Compounded/Paid Monthly
Money Market Account $2,500.00 - $9,999.99 $10,000.00–$24,999.99 $25,000.00-$49,999.99 $50,000.00-$74,999.99 $75,000.00 and greater	1.50% / 1.49% 1.60% / 1.59% 1.70% / 1.69% 1.90% / 1.88% 2.00% / 1.98%	Compounded/Paid Monthly

IRA/Roth IRA Savings

$0-$9,999

$10,00.00-$24,999.99

$25,000.00-$49,999.99
$50,000.00-$74,999.99
$75,000.00 and greater

1.50% / 1.49%

1.60% / 1.59%

1.70% / 1.69% 1.90% / 1.88% 2.00% / 1.98%

Compounded/Paid Monthly

Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

1. A penalty may be imposed for early withdrawal
2. Annual Percentage Yield